区块链在供应链金融中的应用前瞻

The Prospective Research of Blockchain Technology in Supply Chain Finance

区块链技术具有公开透明可验证、不可伪造篡改、可跟踪溯源等特性,能够有效优化供应链金融业务中存在的问题。文章以浙商银行的应收款链平台、中国宝武的“通宝”平台为例进行分析,它们的共同点是有能够支持对核心企业信用进行分享的“通证(Token)”。传统供应链金融存在授信对象范围较窄、对信息整合有局限、交易过程监管困难等问题。区块链技术的特性,如开放性、去中心化、可溯源、智能合约等,可以较好地解决这些问题。区块链在供应链金融领域应用的核心部分是基于底层技术实现通证的应用,通过联盟链发放该链独有的通证,将核心企业的应收账款通证化,区块链技术及通证一定程度上解决了供应链金融中的痛点问题,对传统供应链金融进行改造升级,把我国供应链金融引导到新的阶段。区块链传递核心企业信用,更好地实现信用穿透,建立更完善的信任机制,在一定程度上帮助解决中小企业融资难融资贵问题。

Blockchain technology has the characteristics of openness transparency,verifiability,non-forgery and tampering and traceability,which can effectively optimize the problems existing in the supply chain financial business.This paper analyses the accounts receivable chain platform of Zheshang Bank and China Baowu’s“Token”platform,and finds that both of them have“Token”that can support the sharing of core enterprise credit.This paper believes that traditional supply chain finance has problems such as narrow scope of credit,the limitation of information integration,and the limitation of the supervision of the transaction process.The characteristics of blockchain technology,such as openness,de-neutralization,traceability,smart contracts,etc,can solve these problems well,the core part of the application of blockchain in the field of supply chain finance is to realize the application of tokens based on the underlying technology.Through the alliance chain,the unique token of the chain is issued to tokenize the accounts receivable of core enterprise,blockchain technology and tokens solve the pain points in supply chain finance,transform and upgrade traditional supply chain finance,and guide my country's supply chain finance to a new stage.By transfer core enterprise credit,better achieve credit penetration,establish a more perfect trust mechanism,to a certain extent blockchain can help to solve the financing difficult and expensive problem of small and medium-sized enterprises.