基于区块链技术的供应链金融体系优化研究
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摘要
近些年,供应链金融为中小企业融资和发展提供了极大的助力,但是由于供应链系统本身存在的问题,使供应链金融发展陷入了瓶颈状态。本文通过分析供应链金融和"区块链+供应链金融"平台发展现状,并针对平台出现的问题,开创性地将基于区块链技术的供应链金融平台分为权限管理、授信管理、合约管理和溯源追踪四个模块,对其进行优化设计,以充分利用区块链技术特点,保障交易、数据的真实性和共享性,扩大供应链金融服务对象,实现供应链全覆盖。最后通过分析该平台可能出现的风险,提出相关建议。
In recent years, supply chain finance has provided great help for the financing and development of small and medium-sized enterprises. However, due to the problems of the supply chain system itself, the development of supply chain finance has fallen into a bottleneck state. This paper analyzes the development status of supply chain finance and "blockchain plus supply chain finance" platform. For the problems that arise on the platform, this paper creatively divides the supply chain financial platform that based on blockchain technology into four modules including rights management, credit management, contract management and traceability tracking, and further optimizes their design, which are aimed at making full use of the characteristics of blockchain technology, ensuring the authenticity and sharing of transactions and data, expanding service objects of supply chain finance, and achieving full supply chain coverage. Finally, through the analysis of the possible risks of the platform, this paper makes relevant recommendations.
In recent years, supply chain finance has provided great help for the financing and development of small and medium-sized enterprises. However, due to the problems of the supply chain system itself, the development of supply chain finance has fallen into a bottleneck state. This paper analyzes the development status of supply chain finance and "blockchain plus supply chain finance" platform. For the problems that arise on the platform, this paper creatively divides the supply chain financial platform that based on blockchain technology into four modules including rights management, credit management, contract management and traceability tracking, and further optimizes their design, which are aimed at making full use of the characteristics of blockchain technology, ensuring the authenticity and sharing of transactions and data, expanding service objects of supply chain finance, and achieving full supply chain coverage. Finally, through the analysis of the possible risks of the platform, this paper makes relevant recommendations.
引文
[1]吴俊.区块链技术在供应链金融中的应用——基于信息不对称的视角[J].物流技术,2017,36(11).
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[13]陈启农,周宇润.关于大型国企供应链金融模式的思考[J].上海金融,2018(2).
[2]Swan M..Blockchain thinking:the brain as a decentralized autonomous corporation[J].IEEE Technology and Society Magazine,2015,34(4).
[3]Iansit M.,Lakhani K.R..The truth about blockchain[J].Harvard Business Review,2017(1).
[4]Francisco K.,Swanson D.. The supply chain has no clothes:technology adoption of blockchain for supply chain transparency[J].Logistics,2018,2(1).
[5]温远征.基于区块链技术供应链金融发展的思考[J].三峡大学学报:人文社会科学版,2017(S1).
[6]宋华.基于产业生态的供应链金融的创新趋势[J].中国流通经济,2016(12).
[7]金檀顺子,雷霆.银行应用区块链的前景、挑战和对策建议[J].新金融,2017(7).
[8]吴俊.区块链技术在供应链金融中的应用——基于信息不对称的视角[J].物流技术,2017,36(11).
[9]马小峰,杜明晓,余文兵,王意.基于区块链的供应链金融服务平台[J].大数据,2018,4(1).
[10]万海霞,孙旭.农产品供应链金融信用体系框架设计[J].开放导报,2017(6).
[11]董鹏,周志帅,汤林云.区块链进军医药供应链金融[J].新理财,2018(5).
[12]深圳发展银行.供应链金融:新经济下的新金融[M].上海:上海远东出版社,2009.
[13]陈启农,周宇润.关于大型国企供应链金融模式的思考[J].上海金融,2018(2).