中文摘要：

资金约束的零售商面临供应风险时,供应链供货中断,外部银行如何提供融资服务是值得研究的问题。在随机市场需求且受供应链成员努力行为因素的影响下,建立了供应链外源融资（银行贷款）订货模型,研究了零售商最优生产决策以及银行最优利率问题,分析了零售商初始资金对融资利率与产品订货决策的影响。研究发现,零售商的订货量、努力水平都是关于初始资金的增函数,而银行的利率水平随着初始资金的增大先增大后减小。

英文摘要：

When the capital-constrained retailer faces the supply risks,supply chain may be interrupteds with lack of supplies.Then,it become worthwhile studying the optimal financing service offered by an external bank.When the demand is stochastic and affected by the effect level of effort factors of supply chain members,this paper establishes supply chain external financing（i.e.,banking loans）ordering models,in order to examine the optimal production decision of the retailer and the optimal interest rate of the bank.Moreover,we analyze the effects of retailer＇s start-up funds on both the financing interest rates and product ordering quantity.We find that both the ordering quantity and the effort level of the retailer will increase as the start-up funding increases,while the interest level of the bank will increase first and then decrease as the start-up funding increases.