区块链视角下小微型物流企业金融服务平台构建与风险防控研究
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摘要
两年来,作为科技创新热点的区块链已逐步成为当下热门的高科技词汇,在金融圈掀起一股风潮。首先从小微型物流企业的重要性、物流金融的兴起以及区块链的应用入手,对物流金融与区块链进行理论溯源;在此基础上分别从小微型物流企业存在的问题以及融资方式的选择来剖析其融资难的原因;然后通过分析金融服务平台与传统金融的区别,对小微型物流企业金融服务平台的经营范围予以界定,据此构建"区块链+物流金融"平台的业务模式;最后通过区块链技术实现平台业务风险的预测与控制以及对整个物流体系的监管。
For the past two years, the blockchain as Sci-tech hotspot has gradually separated from Bitcoin,and it has become the hot high-tech word setting off a wave in finance circle. This paper starts from the significance of small and micro logistics enterprises, rise of logistics finance and application of blockchain, traces the theoretical source of logistics finance and blockchain; on this basis, this paper analyzes the difficult financing reason from the problems of small and micro logistics enterprises and selection of financing mode; defines the operational scale of the financial service platform of small and micro logistics enterprises by analyzing the difference between financial service platform and traditional finance, and builds business mode of"blockchain + logistics finance"platform; finally, it can realize the prediction and controlling of platform business risk and the supervision of the whole logistics system by blockchain technology.
For the past two years, the blockchain as Sci-tech hotspot has gradually separated from Bitcoin,and it has become the hot high-tech word setting off a wave in finance circle. This paper starts from the significance of small and micro logistics enterprises, rise of logistics finance and application of blockchain, traces the theoretical source of logistics finance and blockchain; on this basis, this paper analyzes the difficult financing reason from the problems of small and micro logistics enterprises and selection of financing mode; defines the operational scale of the financial service platform of small and micro logistics enterprises by analyzing the difference between financial service platform and traditional finance, and builds business mode of"blockchain + logistics finance"platform; finally, it can realize the prediction and controlling of platform business risk and the supervision of the whole logistics system by blockchain technology.
引文
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[3]刘银伦,韩汪洋.基于物联网信息平台的物流金融风险管理[J].中国物流与采购,2015(19):72-73.
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[5]洪怡佳.基于物流金融的P2P互联网金融模式研究[J].商场现代化,2017(9):77-78.
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[7]宋文鹏,王振燕.区块链在众筹平台中的应用[J].信息技术与标准化,2017(3):28-30.
[8]杨丽丽,王蓉蓉,吕林.区块链技术在股权交易平台中的应用研究[J].时代金融,2017(30):124.
[9]唐少艺.我国小微型物流运输企业发展中问题及对策研究[J].现代商贸工业,2016(28):28-29.
[10]田野.小微型企业物流融资模式研究[D].重庆:重庆交通大学硕士学位论文,2015.
[11]郭永珍.区块链对互联网金融发展的重塑与挑战分析[J].商业经济研究,2017(2):169-171.
[12]庄晔.区块链技术对金融业的主要潜在影响[N].环球市场信息导报,2016-05-25.
[13]丁瑞泽.基于风险价值的金融风险管理研究[J].中国集体经济,2018(15):58-59.
[14]孙成娇.关于互联网金融流动性风险防控的研究[D].北京:首都经济贸易大学硕士学位论文,2018.
[15]杨艳萍.基于商业银行视阈下区块链技术的应用与风险防控[J].现代商业,2018(11):67-68.
[16]华智超.金融风险防控应更及时[N].长江日报,2017-09-06(006).