区块链环境下基于应收账款模式的供应链金融博弈研究

Research on Supply Chain Finance Game Based on Accounts Receivable Model in Blockchain Environment

首先梳理了区块链技术的引入对供应链金融应收账款融资方式业务流程的影响,然后运用博弈思想探究融资各主体的均衡选择,对比区块链引入前后博弈各方的收益.研究发现供应链金融融资平台引入区块链后将会降低企业违约的概率、强化各参与主体向博弈的均衡点(合作,守约,守约)靠拢、增加博弈各方的收益,在博弈的均衡点下各方达到了共赢状态.同时,银行适当提高放贷率的行为会增加供应链上的总收益.

This article first sorts out the impact of the introduction of blockchain technology on the business processes of supply chain financial receivables financing methods,and then uses game theory to explore the balanced choice of the main players in the supply chain,and compares the benefits of the parties to the game before and after the introduction of blockchain.The study finds that after blockchain is introduced in a supply chain financing platform,a corporate default probability may be reduced,various parties draw close to a balance point(cooperation and keeping promises)of a game,and gains of various parties are increased,so that various parties achieve a win-win status at the balance point of the game.At the same time,the behavior of banks to properly increase the lending rate will increase the total revenue in the supply chain.