Cross‐border trade is also changing and innovating. Electronic payment has become the core application of modern cross‐border e‐commerce. However, although electronic payment has brought convenience and efficiency to enterprises and social life, there are also many problems in transaction information security. These problems not only hinder the development of electronic payment but also bring hidden dangers to people’s property security. Therefore, an encryption algorithm of e‐commerce was proposed, and its algorithm security and risk control mode was further studied by means of case analysis, empirical analysis, and comparative analysis. Experimental data show that blockchain technology is a breakthrough. The aim of the study is to explore its application in specific circumstances and strive to make the new e‐payment mode in line with international standards.

By designing credit contracts with inversely related interest rates and collateral, banks can overcome the problems of adverse selection and moral hazard when there is an informational asymmetry in competitive credit markets. One salient result points out that, if borrowers’ insufficient endowments of wealth cause a binding collateral constraint, a credit rationing equilibrium arises because of collateral’s inability to achieve perfect sorting. The purpose of this paper is to examine the consequences of government loan guarantees on equilibrium credit contracts and economic welfare. More specifically, the effects of loan guarantees on interest rates, collateral, and credit rationing were studied. Our results suggest that government loan guarantees should target high-risk entrepreneurs. Loan guarantees targeting high-risk entrepreneurs reduce a pledge of collateral in credit contracts, drop social cost, and increase economic welfare. Under the circumstances that borrowers’ insufficient wealth causes a binding collateral constraint, loan guarantees targeting high-risk entrepreneurs alleviate the problem of credit rationing and improve economic welfare.

With the birth of the Internet, information and data can flow in both directions, and, after that, it has spread to thousands of households. On this basis, e-commerce was also born, and it took a very short time from the field that no one cared about at the beginning to the hot focus field now. The development of e-commerce has broadened the sales channels of farmers, which has further increased the sales benefits of fruits and other agricultural products, conformed to the development of the times, and further supplemented the sales of fruits and other agricultural products. Based on the use of embedded microprocessors, this paper constructs an e-commerce system integrating sales and logistics. Based on the logistics model in the e-commerce platform, an e-commerce logistics identification model is constructed to measure the e-commerce logistics service level of agricultural products such as fruits. The article analyzes the sales and transportation methods of fruits and other agricultural products. Through a detailed analysis of the traditional e-commerce system, the e-commerce sales system has been optimized and improved by combining the reference cases and the data obtained from the Internet, especially in the aspect of logistics transportation. According to the data experiments in this article, it is shown that, after using the data formula for calculation, the best plan for transporting fruits and other agricultural products can be obtained. In the calculation result of the formula, the cost of delivery without considering customer satisfaction is 586 yuan, and the average delivery time of the vehicle is 5.625 hours, but the average satisfaction is only 78.5%. Compared with customer satisfaction, although the cost is about 15 yuan more and the delivery time is a few minutes longer, the customer satisfaction is about 21% higher than the customer satisfaction without considering the customer. Based on the optimized and transformed e-commerce system, this article will further improve the e-commerce platform for fruits and other agricultural products.

This paper utilized a three-stage dynamic game to analyze the conflicts of interest between stakeholders caused by firm heterogeneity. We show that the higher the degree of heterogeneity, the higher the sales delegation incentive given. The firm’s heterogeneity scale will cause industry profit, union utility, consumer surplus and manager bonus conflicts of interest. Furthermore, the intensity of conflict is lower between the industry and the union than between the industry and consumer and between the industry and manager if the degree of heterogeneity is relatively small.

This study established a two-stage dynamic game strategy to analyze how the planned quota and price of masks were set and why mask manufacturing firms on the national mask team (NMT) in Taiwan evaded the plan. Plan evasion occurred when the NMT decided to produce less than the quota set by the government, even though they were incentivized and able to produce more. Taiwan’s experience shows that through the collection of masks and the Name-Based Mask Rationing System, the people’s right to procure masks can be guaranteed; however, to promote market transaction efficiency, the government should adopt a lower quota for the collection of masks and allow firms to freely sell them in the market after they complete their plans. The self-interest of the government played a key role in inducing plan evasion.

In this study, under the existence of unilateral cross-border environmental pollution in two regions, a complete information dynamic game theory is constructed to discuss the environmental policy (recycling fee and treatment subsidy) formulation of the central government by two local governments. As a result, it was found that the spillover effect will reduce the level of social welfare. At the same time, the intervention of the central government and the adoption of policies tailored to local conditions will be conducive to the improvement of social welfare.