Platform-Led Digital Supply Chain Finance: Optimizing Pricing and Risk Control in Cross-Border E-Commerce Supply Chains

Abstract

Cross-border e-commerce (CBEC) growth creates financial constraints for manufacturers, balancing limited production and pricing flexibility. E-commerce platforms evolve into coordinators of financing, risk control, and pricing, using digital tools like big data, blockchain, and AI credit scoring to enhance risk and capital management. This study uses a Stackelberg model, with the platform as leader, to analyze sales and financing mechanisms. Four financial scenarios compare pricing and profit strategies under different capital conditions. In capital-constrained settings, platform-led Digital Supply Chain Finance (DSCF) boosts profits by cutting prices, expanding supply, and raising commissions. In capital-sufficient cases, costs may limit gains, showing constraint-driven adaptation. Platform strategies shape manufacturer behavior, emphasizing their role in CBEC. This study offers insights for intelligent financing and sustainable development.