Three-party Decision-making of Supply Chain Enterprises under Reverse Factoring Financing Mode

In view of the supply chain enterprise default and product quality problems caused by information asymmetry in real life, a supply chain system composed of suppliers, manufacturers and Banks is established to discuss the quality decision model under the receivables reverse factoring financing mode. Firstly, the optimal lending rate space of financial institutions is obtained through evolutionary game analysis, when the evolutionary stability strategy of supply chain enterprises is (compliance, compliance). Then, the manufacturer's quality evaluation level and the supplier's quality prevention level under the optimal profit are derived by using the maximum principle. The results show that reverse factoring financing can solve the financing difficulties of SMEs and ensure the quality of products. At last, an example analysis is used to prove the conclusion.