互联网信用支付对零售商库存决策的影响研究

Study on the Impact of Internet Credit Payment on Retailer's Inventory Decision

互联网信用支付能够帮助对商品有高期望但自身预算有限的消费者立即购买到心怡的商品。本文在考虑消费者行为的基础上研究了零售商提供互联网信用支付对零售商的最优订货量以及期望利润的影响。首先,分别构建了零售商在面临随机市场需求时选择提供和不提供互联网信用支付的利润函数,给出了在两种情况下零售商的最优订货量的解析解。其次,运用灵敏度分析分别研究了市场违约率、消费者的期望和预算、日服务费率等对零售商最优订货量和期望利润的影响。结果表明,零售商在对商品定价时需要综合考虑最优订货量和期望利润,因为获得最优订货量的零售价格不一定使得零售商获得最大期望利润。此外,当提供互联网信用支付时,日服务费率和违约金费率都存在着临界阈值,使得高于临界值时零售商选择提供互联网信用支付比不提供互联网信用支付获得更多的利润。本文最后以京东白条为算例,对不提供和提供互联网信用支付的最优订货量和期望利润进行了对比分析。

The rapid development of Internet technology has driven the rise of the online retail market.Consumer shopping behavior and habits have undergone significant changes.Using Internet credit payments,consumers with high expectations for products but limited budgets can immediately purchase their favorite products.By providing Internet credit payments,online retailers attract potential consumers with early consumption needs to increase sales and seize market share in financial services.More and more retailers are launching Internet credit payments to activate the potential of consumer demand.Considering consumer behavior,this study investigates the impact of Internet credit payments provided by retailers on their optimal order quantity and expected profit.Firstly,based on consumers'budgets and expectations,the probabilities of consumers immediately purchasing goods and purchasing goods through Internet credit payments were constructed.Considering the stochastic conditions of market demand,profit functions are constructed under two scenarios:retailers providing Internet credit payment products and not providing them.The optimal order quantity of retailers in two scenarios is calculated.Secondly,sensitivity analysis was applied to investigate the effects of market default rate,consumer expectations and budgets,and daily service rates on the optimal order quantity and expected profit of retailers.The results indicate that retailers need to comprehensively consider the optimal order quantity and expected profit when pricing goods,as the retail price under the optimal order quantity may not necessarily lead to the maximum expected profit.When providing Internet credit payments,retailers should not design the installment payment period too short.In addition,there are critical thresholds for daily service rates and penalty rates.When it exceeds the threshold,retailers can earn more profits by providing Internet credit payments.Finally,this study used JD Baitiao as an example to compare and analyze the optimal order quantity and expected profit under two scenarios:not providing and providing Internet credit payment.This study provides a theoretical basis for exploring the impact of Internet credit payments on retailers'optimal inventory decisions.