区块链技术融入融资担保增信的通道及其路径研究

Research on the Channel and Path of the Integration of Blockchain Technology into the Credit Enhancement of Financing Guarantee

区块链技术具有去中心化、分布式记账、集体维护以及不可篡改等显著优势,能够为担保机构的风险识别、风险控制、项目管理、业务创新等方面带来新的发展契机,甚至可能颠覆现行唯抵(质)押论的金融信贷模式,为担保机构带来纯信用担保的新兴发展模式,在一定程度上可以直接破解当前中小微企业、"三农"项目融资难融资贵问题。最大化发挥区块链技术在融资担保增信方面的作用,需要政府引导、担保行业协会协调、所有担保公司参与,建立起协同机制,共同构建"区块链+担保"的智能金融生态圈。

Blockchain technology has significant advantages,such as decentralization,distributed accounting,collective maintenance,and non-tampering.It can bring new opportunities for the development of the guarantee institutions’risk identification,risk control,project management,and business innovation,and even it may subvert the current financial credit model that is only pledged,and bring the emerging development model of pure credit guarantee for guarantee institutions.To a certain extent,it can directly solve the problem of difficult financing of current small,medium and micro enterprises and the three rural issues.In order to maximize the role of blockchain technology into the credit enhancement of the financing guarantee,it is necessary to require the government guidance,the coordination of guarantee industry associations,and the participation of all guarantee companies to establish a collaborative mechanism,and the last aim is to build a smart financial ecosystem about the"blockchain+guarantee".