系统管理学报

Journal of Systems & Management ›› 2026, Vol. 35 ›› Issue (1): 17-27.DOI: 10.3969/j.issn.2097-4558.2026.01.002

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Supply Chain Decision-Making in Fresh E-Commerce Payment Period: A Comparison of Order Financing and Immediate Payment Mode

WU Xiaoli1, CHEN Yingjing1, ZHUANG Wanyu1, KOU Qi2   

  1. 1. School of Business Administration, South China University of Technology, Guangzhou 510640, China; 2. Department of Electronic Business, South China University of Technology, Guangzhou 510006, China
  • Received:2024-03-14 Revised:2024-05-13 Online:2026-01-28 Published:2026-02-12

基于生鲜电商支付账期的供应链决策研究：订单融资与现付现结模式比较

吴晓黎1，陈盈静1，庄婉瑜1，寇淇2   

  1. 1. 华南理工大学 工商管理学院，广州 510640；2. 华南理工大学 电子商务系，广州 510006
  • 基金资助:
    国家自然科学基金资助项目（71971088）

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Abstract: To address the issue of insufficient capital investment in production and preservation in rural cooperatives due to the impact of fresh e-commerce payment period. A supply chain is constructed, consisting of a financially constrained rural cooperative and a financially sufficient fresh e-commerce and the optimal operations and financing strategies of both parties under three modes are analyzed: unconstrained centralized decision-making mode, order financing mode with payment period and immediate payment mode with shared preservation costs. The findings show that in the order financing mode, rising bank loan interest rates prompts the cooperative to reduce preservation technology investment to ease financial pressure, and the optimal pricing varies depending on market size. In the immediate payment mode, fresh e-commerce bearing more preservation costs can incentivize the cooperative to increase preservation technology investment, thus improving profits for both parties. Compared to the order financing mode, the immediate payment mode is more effective in motivating the rural cooperative to increase preservation technology investment. Especially when the preservation costs borne by fresh e-commerce is more than half, the cooperative’s preservation technology investment level can reach or exceed the centralized decision-making. When choosing a mode, setting a lower cost-sharing proportion for preservation helps guide both parties in the supply chain to choose the immediate payment mode, realizing a win-win situation.

Key words: fresh e-commerce supply chain, preservation technology investment, payment period, order financing, immediate payment

摘要： 针对生鲜电商支付账期较长导致农村合作社生产与保鲜资金投入不足的问题，本文构建了一个由资金充足的生鲜电商与资金受限的农村合作社组成的供应链模型，探讨了在无资金约束的集中决策、有账期的订单融资和保鲜成本分摊的现付现结3种模式下，生鲜供应链双方的最优运营与融资策略。研究发现：在订单融资模式下，贷款利率上升会促使合作社减少保鲜技术投入以缓解资金压力，而其最优定价也会随市场规模的变化而调整；在成本分摊的现付现结模式下，生鲜电商承担更高比例的保鲜成本，能够激励合作社增加保鲜技术投入，进而提高双方利润。相较于订单融资模式，现付现结模式更能促进合作社提升保鲜技术投入，尤其当生鲜电商承担的保鲜成本占比超过一半时，合作社的保鲜技术投入水平可达到甚至超过集中决策情形。在模式选择方面，设定较低合作社的保鲜成本分摊比例，能够引导供应链双方选择现付现结模式，从而实现供应链双赢。

关键词: 生鲜电商供应链, 保鲜技术投入, 支付账期, 订单融资, 现付现结

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