产能过剩下``京东白条''的供应链模型分析
Analysis of Supply Chain Model of ``Jingdong Baitiao'' Under Overcapacity
”京东白条''是基于供应链关系的消费信贷,将供应链中金融行为从供应链企业延伸至最终消费端.运用产能过剩刻画供过于求市场环境下的激烈竞争,构建了京东白条模式下的供应链模型,分析了随机需求下零售商信用与消费者信用对产能过剩供应链的作用规律,深入探究金融行为通过供应链关系对实体经济的影响.研究发现:产能过剩降低供应链的效益及效率;零售商信用无法刺激需求也无法改善供应链绩效,其实质是供应链内部的资金融通,无法化解产能过剩;而类似于京东白条模式的消费者信用能有效化解产能过剩,同时能增强供应链捕捉市场机会的能力.研究为消费金融的实施提供了理论支撑.
``Jingdong Baitiao'' is a consumer credit based on the relationship of supply chain, which extends the financial behavior in the supply chain from the supply chain corporation to the final consumer. This paper uses overcapacity to depict the fierce competition when oversupply, builds a supply chain model under the ``Jingdong Baitiao'' mode, analyzes the rules of retailer credit and consumer credit on the excess capacity supply chain under stochastic demand, and explores the impact of financial behavior on the real economy through the supply chain. The results show that overcapacity reduces the profit and efficiency of the supply chain. Retailer credit can neither stimulate demand nor improve supply chain performance. Its essence is the financing within the supply chain, which can not resolve the overcapacity. However, the consumer credit can effectively reduce overcapacity, and it can enhance the ability of supply chain to capture market opportunities. This study provides a theoretical support for the implementation of consumer finance.
产能过剩 / 商业信用 / 京东白条 / 供应链模型. {{custom_keyword}} /
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