基于区块链技术的供应链金融与中小企业融资瓶颈研究

Research of Supply Chain Finance Based on Blockchain Technology and SMEs Financing's Barriers

经济发展新常态下中小企业的持续健康发展是"供给侧改革"中的重要一环。然而,我国中小企业发展一直面临着融资难、融资贵的困境。近年来,供应链金融已然成为缓解中小企业融资困境的重要途径,但也存在着较多制约其进一步发展的问题。本文从传统供应链金融下中小企业融资所遇到的现实瓶颈出发,结合区块链技术及创新优势,探讨其重塑供应链金融的耦合点,以期更好地实现普惠金融。同时,对区块链技术应用于供应链金融的风险进行分析,并提出了相应的应对策略。

Under the new normal of economic development,the sustainable and healthy development of SMEs is an important part of＂supply-side reform＂. However,our SMEs always face the difficulties of financing and high price of financing. In recent years,supply chain finance has become an important way to alleviate the financing difficulties of SMEs,but there are still many problems restricting its further development. Based on the real bottleneck of SMEs＇ financing under the traditional supply chain financial,this article analyzes the blockchain technology and its innovative advantages,which reshape the coupling point of supply chain finance in order to achieve inclusive finance. It also analyzes the risk that is the application of blockchain technology to supply chain finance at the same time and puts forward the corresponding coping strategies.