{"title":"Optimal retail pricing, interest rate, and interest allocation ratio decisions in an online platform-assisted financing system","authors":"Dianyao Kang , Mingming Leng","doi":"10.1016/j.orl.2025.107268","DOIUrl":null,"url":null,"abstract":"<div><div>We examine an online financing system involving a platform, a bank, and a retailer, in which the bank makes the optimal interest rate decision before the bank-platform negotiation for the interest allocation ratio (scenario 1) or after the interest allocation ratio negotiation (scenario 2). We find that the retailer's sales and profits in scenario 1 are higher than those in scenario 2. Moreover, if the referral fee rate increases, the system-wide profit and the system efficiency for scenario 1 increase but those for scenario 2 decrease.</div></div>","PeriodicalId":54682,"journal":{"name":"Operations Research Letters","volume":"60 ","pages":"Article 107268"},"PeriodicalIF":0.8000,"publicationDate":"2025-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Operations Research Letters","FirstCategoryId":"91","ListUrlMain":"https://www.sciencedirect.com/science/article/pii/S016763772500029X","RegionNum":4,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q4","JCRName":"OPERATIONS RESEARCH & MANAGEMENT SCIENCE","Score":null,"Total":0}
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Abstract
We examine an online financing system involving a platform, a bank, and a retailer, in which the bank makes the optimal interest rate decision before the bank-platform negotiation for the interest allocation ratio (scenario 1) or after the interest allocation ratio negotiation (scenario 2). We find that the retailer's sales and profits in scenario 1 are higher than those in scenario 2. Moreover, if the referral fee rate increases, the system-wide profit and the system efficiency for scenario 1 increase but those for scenario 2 decrease.
期刊介绍：
Operations Research Letters is committed to the rapid review and fast publication of short articles on all aspects of operations research and analytics. Apart from a limitation to eight journal pages, quality, originality, relevance and clarity are the only criteria for selecting the papers to be published. ORL covers the broad field of optimization, stochastic models and game theory. Specific areas of interest include networks, routing, location, queueing, scheduling, inventory, reliability, and financial engineering. We wish to explore interfaces with other fields such as life sciences and health care, artificial intelligence and machine learning, energy distribution, and computational social sciences and humanities. Our traditional strength is in methodology, including theory, modelling, algorithms and computational studies. We also welcome novel applications and concise literature reviews.
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