区块链架构下供应链金融创新模式研究

Research on the Innovation Mode of Supply Chain Finance under the Blockchain Framework

供应链金融多属间接金融,是涉及三个或三个以上机构之间的借款行为,对信用的构造要求更为精密和立体化。区块链作为供应链金融的基础性技术,对信用机制的革命,将对供应链金融产生重大影响。文章基于供应链金融与区块链技术的基本概念,对区块链与供应链金融的匹配性、区块链结合供应链金融的应用框架进行了介绍,在此基础上,分析了基于区块链的供应链金融的创新模式,将提高供应链金融效率,促进金融商业模式的创新而扩大市场总量,实现供应链中小企业融资的便利性与低成本。

Supply chain finance is mostly indirect finance,which involves the borrowing behavior among three or more institutions,and requires more precise and three-dimensional credit structure.As the basic technology of supply chain finance,blockchain's revolution on credit mechanism will have a significant impact on the supply chain finance.Based on the basic concepts of supply chain finance and blockchain technology,this paper introduces the matching of blockchain and supply chain finance,and the application framework of blockchain combined with supply chain finance.On this basis,the paper analyzes the innovation mode of supply chain finance based on blockchain,which will improve the efficiency of supply chain finance,promote the innovation of financial business mode and expand the total market,and realize the convenience and low cost of supply chain financing for small and medium-sized enterprises.