区块链技术在供应链金融中的应用

On the Role of Blockchain Technology in Supply Chain Finance

以区块链技术为基础,供应链各参与方共同搭建一个联盟链,形成生态圈。在这个联盟链上,各方可以共享一个透明可靠的信息平台、追溯流程,也可以基于区块链数据开展供应链金融、精准营销等业务。供应链金融应用区块链技术后,可解决核心企业不愿提供信用背书的难题,构建各方共享的联盟平台,智能调整剩余可用的授信额度,通过智能合约实现按时还款和结算,整合商流、物流、信息流、资金流等数据,保证数据的安全性和业务的透明可视化,实现应收账款确权,进行质押物及其价格管理,加强风险管理,完善资金流监控。基于区块链技术的供应链金融大大简化了烦琐的纸质申请流程,促进了相关环节的信用、征信业务,提升了系统的社会效益和经济效益。

Taking blockchain technology as the basis,all participants of the supply chain establish a Consortium Blockchain,and form the ecosphere.In this Consortium Blockchain,all the participants can carry out such operations as supply chain finance and targeted marketing.With the blockchain based supply chain,we can solve the problem of core enterprises’credit endorsement,establish a sharing allied platform,intelligently adjust the residual line of credit,realize on time payment and settlement with the help of smart contract,integrate such data as business flow,material flow,information flow and capital flow,guarantee data safety and business transparency and visuality,realize the authentic right of receivables,manage the pledge and the price of that,enhance risk management,and perfect supervision on capital flow.Blockchain based supply chain finance simplifies the application process,promotes credit and credit investigation related business,and improve the social and economic benefits of this system.