在零售商的信贷消费需求受金融企业的信贷服务水平影响的情形下,研究了由一个制造商、一个零售商和一个金融企业组成的卖方消费信贷系统的协调问题.运用动态博弈理论分别建立了集中式决策模型、分散决策模型、收益共享契约模型以及收益共享与成本共担的联合式契约模型,研究表明所设计的收益共享与成本共担的联合契约有效解决了传统的收益共享模型无法实现系统协调的问题,并给出了实现系统协调时的收益共享比率与努力成本分担比率,以及实现系统利润在零售商和制造商之间任意分配的参数范围.最终通过数值分析验证了所提出的协调契约模型的有效性.%Considering credit consumption demand of retailer mainly depending on credit service level of financial enterprise, we studied the coordination of the seller's consumer credit system composed of a manufacturer, a retailer and a financial enterprise. Dynamic game theory is applied to establish the centralized decision model of seller's consumption credit, the decentralized decision model, the revenue sharing decision model and the joint contract model with revenue sharing and cost sharing model. The study shows that the joint contract of revenue sharing and cost sharing effectively solves the problem that the traditional revenue sharing model cannot achieve the system coordination, and the ratio of revenue sharing and effort cost sharing which can coordinate the seller's consumption credit are provided, as well as gives the range of parameters that allow system profit to be arbitrarily assigned between retailers and manufacturers. Finally, a numerical example is used to verify the effectiveness of the proposed coordination contract.
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