Abstract: Based on a secondary supply chain composed of fresh agricultural product suppliers and e-commerce platforms, taking into account the behavior of suppliers and e-commerce providing fresh-keeping services and financing services respectively, establishes the Stackelberg game model under the e-commerce financing and bank financing models, and discusses the optimal operation strategy of the e-commerce financing model compared with the bank financing model and its impact on the profits of fresh suppliers and e-commerce by means of comparative analysis with or without the introduction of cost-sharing contracts, and using the method of comparative analysis to explore the optimal operational strategy of the e-commerce financing model compared to the bank financing model and its impact on the profitability of fresh food suppliers and e-commerce platforms. The results of the study show that when the interest rate of e-commerce and bank interest rate meet a certain relationship, the fresh food suppliers can get the best financing model by judging the qualifying conditions; the cost-sharing contract can bring better preservation efforts and profits to the fresh food supply chain system; when the loan interest rate and cost-sharing ratio meet a certain range at the same time, the fresh food suppliers can get better profits by choosing one of the financing models. Finally, the rationality and validity of the proposed model are analyzed by numerical experiments and conclusions are drawn.