This paper discusses the pricing strategies of manufacturers and retailers under the financing strategy of “bank loan + delayed payment” in a dual-channel supply chain of retailers with bilateral financial constraints and analyzes the impacts of carbon abatement cost coefficients and different loan interest rates on the supply chain. Through the Stackelberg game model and numerical simulation, it is found that the increase of carbon abatement cost and the increase of loan interest rate will negatively affect the carbon abatement behavior and overall financial performance of enterprises. As bank lending rates increase, producers' financing costs increase, which limits their ability to invest in low-carbon technologies, leading to a decrease in carbon reduction rates and market demand, and creating a chain reaction between costs, prices, and profits. In addition, retailers can maximize profits more effectively by adopting an autonomous pricing strategy rather than a uniform pricing strategy. Autonomous pricing strategies allow retailers to respond flexibly to changes in market demand and their own cost structures, thereby improving market adaptability and profitability.