区块链金融模式服务小微企业融资研究综述与展望

Literature Review and Prospects of Blockchain Financial Model for Serving Small and Micro Enterprises

区块链技术在金融行业的应用为小微企业融资这一“世界性难题”提供了解决的可能,如何运用区块链更好地服务小微企业融资已经成为理论界和实务界共同关注的热点。通过梳理大量文献可以发现,已有的研究重点探讨了区块链金融模式的技术基础、理论机理以及区块链在小微金融风控、征信、获客等典型场景中的应用,总结了区块链赋能小微金融业务的优势和不足,提出了促进区块链等金融科技创新服务小微企业融资的对策建议。展望下一步的研究方向,可以在定性研究和案例分析的基础上,探索收集一手资料开展定量研究,并将区块链应用拓展到更多的金融新业态,丰富小微融资服务体系。

The application of blockchain technology in the financial industry provides the possibility to solve the“global problem”of small and micro enterprise financing.How to use blockchain to better serve the financing of small and micro enterprises has become a hot topic in the theoretical and practical circles.Through combing a large number of literature,we can find that the existing research focuses on the technical basis,theoretical mechanism and application of blockchain in small and micro financial risk control,credit investigation,customer acquisition and other typical scenarios,summarizes the advantages and disadvantages of blockchain enabling small and micro financial business,and puts forward countermeasures and suggestions to promote financial technology innovation such as blockchain to serve the financing of small and micro enterprises.Looking forward to the next research direction,we can explore and collect first-hand data to carry out quantitative research on the basis of qualitative research and case analysis,and expand the application of blockchain to more new financial formats to enrich the small and micro financing service system.