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供应链金融下中小企业零售商采购决策模型优化 Title:OptimizationofPurchasingDecisionModelforSmallandMedium-sizedRetailersinSupplyChainFinance Introduction: Supplychainfinancehasemergedasacrucialtoolforsmallandmedium-sizedenterprises(SMEs),particularlyretailbusinesses,toefficientlymanagetheirworkingcapitalandenhancetheirpurchasingdecisions.Theabilitytooptimizethepurchasingdecisionmodelinsupplychainfinancecanhelptheseretailersimprovetheirprofitability,reducecosts,andincreasecustomersatisfaction.ThispaperaimstoexaminethechallengesfacedbySMEretailbusinessesinpurchasingdecisionsandproposesanoptimizedmodeltoaddressthesechallengeseffectively. ChallengesinPurchasingDecisions: SMEretailbusinessesoftenfaceseveralchallengesintheirpurchasingdecisions,whichcanhindertheiroperationalefficiencyandprofitability.Thesechallengesinclude: 1.Limitedfinancialresources:SMEsusuallyhavelimitedfinancialresourcestoinvestinpurchasingactivities,leadingtolimitedpurchasingpoweranddifficultyinnegotiatingfavorabletermswithsuppliers. 2.Inaccuratedemandforecasting:Inaccuratedemandforecastingcanresultinunderoroverstocking,leadingtolostsalesandincreasedholdingcosts. 3.Lackoftransparencyinthesupplychain:Inefficientsupplychainmanagement,lackofreal-timedata,andpoorcoordinationwithsupplierscanleadtoinformationasymmetryandinefficienciesintheprocurementprocess. OptimizationofPurchasingDecisionModel: Toaddressthesechallenges,anoptimizedpurchasingdecisionmodelforSMEretailersinsupplychainfinancecanbedeveloped,incorporatingthefollowingkeyelements: 1.Data-drivendemandforecasting:Byusinghistoricalsalesdata,markettrends,andcustomerbehavioranalysis,SMEscanimprovetheaccuracyofdemandforecasting.Thiscanhelpinmanaginginventorylevels,avoidingstockouts,andreducingholdingcosts. 2.Collaborativesupplierrelationship:EstablishingastrongcollaborativerelationshipwithsuppliersiscrucialforSMEretailers.Thiscanbeachievedthrougheffectivecommunication,sharingofreal-timedata,andjointbusinessplanning.Suchcollaborationcanleadtobetternegotiationoutcomes,reducedle

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