Abstract: It is necessary to provide reliable information when enterprises want to apply for bank loans. The bank can choose to believe part or all of the information, and then provide different interest rates.In this paper, problems those relationship between credible information and bank lending rates and effect that the corresponding decision makes on supply chain which included the borrowing enterprise are studied. By constructing a level two supply chain model including vendor, retailer and bank, supply chain financial situation which exists demand payment of money retailers is depicted. According to the situation that the bank uses all the information or part of the information provided by retailer, Stackelberg game theory, the robust newsboy method and the mini-max method are introduced to get the bank's optimal interest rates decision and the impact of supply chain operation. Research shows that the bank uses the part of the information could not increase their income effectively, but it has very significant influence to supply chain operation efficiency.

Key words: part of the information credible, loan interest rate, robust decision, supply chain operation