Introduction of Platform Credit Services and Fee Rate Strategies Considering Payment Preference
FENG Jiali
LIU Hongwei
LIN Qiang
LIU Xiaoqian
Abstract：In the context of e-commerce supply chains,taking the no-credit case as the benchmark model,this study incorporates a consumer payment choice model to characterize payment preference.Decision models for credit service introduction are then developed under scenarios with and without payment preference.The Karush-Kuhn-Tucker(KKT)condition and backward induction are used to derive the optimal decisions for all scenarios.The impact of consumers'payment preference behavior on the introduction of credit services and its fee rate strategy of e-commerce platform is explored through comparative analysis.Furthermore,based on the consideration of payment preference,the study innovatively explores two additional scenarios:differentiated default rates and a combined payment mode of"cash+credit".Results show that:1)In the credit-service scenario without payment preference,the e-commerce platform introduces credit services when the trouble cost is low;when the default rate is high or both the default rate and the trouble cost are low,an interest-charging strategy is adopted;otherwise,a subsidy strategy is adopted.2)In the credit-service scenario with payment preference,only consumers with sufficient budgets choose the credit services introduced by the platform when the pain-of-paying coefficient for cash is high and the trouble cost is low,even if the platform only adopts an interest-charging strategy.3)Under the condition that is more conducive to consumers using credit payment,the higher the total demand under payment preference,the greater the possibility of achieving a win-win situation for both parties in the e-commerce supply chain.4)Differentiated default rates do not change the platform decisions regarding credit introduction and fee rate strategies;however,in the combined payment scenario,as the proportion of cash payment gradually decreases,the platform shifts from an interest-charging strategy to a subsidy one.
Keywords：e-commerce supply chaincredit servicepayment preferencefee rate strategycombination payment
Publication Date：2025-12-31
Online Publishing Date：2026-01-16(First online date of this platform, not the publication date of the document)
Pages：15( 122-136 )