绿色信贷优惠对企业产品定价及供应链绩效的作用机制

Impact mechanism of green credit concessions on enterprise productpricing and supply chain performance

针对绿色信贷背景下不同绿色企业的运营决策和供应链绩效表现问题,构建银行主导的银行-零售商-制造商三层主从博弈模型,探索绿色信贷优惠对企业产品定价和供应链绩效的作用机制,论证绿色信贷优惠对银行盈利、企业绿色转型以及实现整体经济效益和环境效益一致性的积极影响.研究发现,银行绿色贷款优惠会导致绿色产品批发价和零售价的降低,从而促进绿色产品需求增加,而一般产品价格不受影响但需求减少.企业的绿色转型需要一定的绿色市场基础,当绿色市场较小时,绿色信贷优惠可以促使绿色产品更早地占领市场,此时,绿色信贷优惠在促进企业绿色转型方面发挥了更大的作用.在特定条件下,绿色信贷优惠可以增加总利润、消费者剩余和社会福利,同时降低环境影响,但仅具有显著环境改善作用的绿色产品才能实现帕累托改进.

To investigate the operational decision-making and supply chain performance issues among green enterprises within the context of green credit,this paper constructs a three-tiered Stackelberg game model involving a bank,a retailer,and a manufacturer,investigates the impact mechanism of green credit concessions on product pricing and supply chain performance,and demonstrates the positive impact of preferential green credit on bank profitability,corporate green transformation,and achieving the consistency of overall economic and environmental benefits.It is discovered that green loan concessions lead to a reduction in the wholesale and retail prices of green products,thereby increasing demand for green products,while nongreen product prices are not affected but demand decreases.Besides,the green transformation of enterprises requires a certain green market foundation,and green credit incentives play a greater role in promoting the green transformation of enterprises by allowing green products to occupy the market earlier when the green market is still small.Under specific conditions,offering preferential interest rates for green products can increase total profit,consumer surplus,and social welfare while reducing environmental impact.However,only green products with significant environmental improvements can result in Pareto improvements.