Study on Incentive Mechanism of Electronic Warehouse Receipt Financing Mode in Online Supply Chain Finance

Abstract

We take the electronic warehouse receipt business patterns of online supply chain finance as the research object, and based on the perspective of moral risk prevention and adverse selection, with the goal of maximizing the overall benefits of supply chain, we focus on the incentive mechanism between banks and B2B platform and its own logistics enterprises. By constructing the expected profit function, the optimal profit function of the bank and the B2B platform can be deduced, which can directly stimulate the B2B platform and its own logistics enterprises, so as to prevent the moral hazard of the B2B platform. The relevant parameters are assigned and some parameters are simulated and analyzed by MATLAB. Therefore, we get the variation trends of related functions and the influencing factors, and verify the incentive model has certain practical value. Through the establishment of incentive mechanism we find that it is very useful for reducing the risk of principal-agent and credit bank. Risk reduction will greatly improve the enthusiasm of B2B platforms and their own logistics enterprises.