运用区块链技术破解小微企业融资难题分析

Analysis on How to Use Blockchain Technology to Solve the Financing Problem of Small and Micro Enterprises

小微企业是我国经济创新发展的源泉,对促进就业、稳定社会、增加税收有着重要作用。由于信息不对称,商业银行无法通过数据实现对小微企业信用肖像的精准刻画,商业银行惜贷现象严重。区块链技术的发展为完善小微企业贷款风险管理提供了契机,在小微企业贷前调查、贷中监测和贷后管理中均能发挥有效作用。当前,“区块链+小微企业融资”主要有两种模式:供应链金融模式和贸易金融区块链平台模式。

Small and micro enterprises are the source of China's economic innovation and development,and play an important role in promoting employment,stabilizing society and increasing tax revenue.Due to the asymmetry of information,commercial banks cannot accurately depict the credit portrait of small and micro enterprises through data,so the phenomenon of commercial banks reluctant to lend is greatly serious.The development of blockchain technology provides an opportunity to improve the loan risk management of small and micro enterprises,and it can play an effective role in pre-loan investigation,in-loan monitoring and post-loan management.At present,there are two main modes of“blockchain+small-micro enterprise financing”:supply chain finance mode and trade finance blockchain platform mode.