基于区块链的信用多级流转若干问题研究

Research on Several Problems of Multi-level Credit Transfer Based on Blockchain

基于区块链的信用多级流转是商票保贴的数字化形式,是在线供应链金融的重要发展趋势。信用多级流转平台是开展供应链金融服务的信息中介,其数字债权凭证的转让不同于P2P网贷中的债权转让,也不是代币发行融资,而是为了给供应链上的小微企业提供合法、合规的保理等供应链金融服务。数字债权凭证将与数字票据融合,信用多级流转体系也将融入央行数字票据交易系统。

The multi-level credit based on blockchain is a digital form of discount Commitment to commercial acceptance bills, which is an important development trend of online supply chain finance. The multi-level credit transfer platform is an information intermediary for carrying out supply chain financial services. The transfer of digital credit certificates is different from the transfer of credits in P2 P online loans, nor is it the financing of token issuance, but to provide legal and compliant factoring financing for small and micro enterprises on the supply chain. The digital credit certificate will be integrated with the digital bill, and the multi-level credit transfer system will also be integrated into the central bank digital bill trading system.