Research On Agricultural Product Supply Chain Decision Under Different Financing Modes

Agriculture is one of the important basic industries in China and plays a vital role in economic development.With the rapid development of China's agriculture,the financing problem of farmers in the agricultural product supply chain is becoming increasingly serious.It is manifested by the long production cycle of agricultural products and the relatively large amount of input of production materials in the early stage,which leads to huge financial pressures on farmers.At the same time,the production of agricultural products is affected by natural disasters,which makes the agricultural product supply chain have a strong production uncertainty,which greatly increases the difficulty for farmers to obtain financing.The financing of farmers has become a key problem that plagues the rapid development of China's agricultural product supply chain.Exploring the financing of farmers is of great significance to improve the efficiency of the agricultural product supply chain.Based on the analysis of the research status of agricultural product supply chain financing at home and abroad,based on the agricultural product supply chain theory,supply chain financing theory,and the Steinberger game theory,a systematic analysis of agricultural product supply chain financing was carried out to clarify the bank's participation financing model and e-commerce The main body and process of the supply chain operation when participating in the financing model,and by analyzing the development status of agricultural product supply chain financing,it is found that there are problems such as slower capital recovery,lack of credit information,and difficult moral hazard control in the agricultural product supply chain under the bank's participation in the financing model..Under the e-commerce participation financing model,the agricultural product supply chain has problems such as slow financing development,high financing operation costs,and lack of funding sources.To solve the above problems,a cooperative financing model for e-commerce and banks was proposed.By constructing Steinberg game models under different financing modes,the optimal decisions and optimal profits of each member of the supply chain under different financing modes are obtained,and the optimal financing decisions of e-commerce and farmers are obtained through comparative analysis.On this basis,the above models were simulated and analyzed using Matlab simulation tools,and it was found that when farmers' production was constrained by funds,when the bank's interest rate was fixed and the e-commerce's interest rate was higher,the e-commerce's profit was lower than the bank's participation in financing The profits of farmers are higher than those of banks participating in financing.And verified that when the bank interest rate is less than a certain threshold,under the cooperative financing model of ecommerce and banks,the optimal profits of e-commerce and farmers are higher than the other two models.E-Commerce and banks cooperate in financing,which not only solves the problem of lack of funds for e-commerce,but also solves the problem that banks have difficulty controlling the financing risk of agricultural product supply chains.Actively promoting cooperative financing between e-commerce and banks is conducive to providing the efficiency of the agricultural product supply chain,thereby achieving the purpose of efficient development of the agricultural product supply chain.