摘要
区块链技术可以有效缓解供应链金融产生的信用风险。通过分析供应链金融信用风险的类型及影响因素,阐述区块链技术在供应链金融信用风险管理中的应用优势,具体探讨应收账款融资模式、预付账款融资模式和存货融资模式下区块链技术的融合和应用。结果表明区块链技术的应用能够降低供应链金融信用风险发生的概率,切实解决供应链上下游中小企业的融资需求,促进区块链技术与实体经济的融合,对于供应链金融的持续稳定发展具有一定的现实意义。
Blockchain technology can effectively mitigate the credit risk arising from supply chain finance. By analyzing the types and influencing factors of credit risks in supply chain finance, this paper expounds the application advantages of blockchain technology in credit risk management of supply chain finance, and specifically discusses the integration and application of blockchain technology under accounts receivable financing mode,prepayment financing mode and inventory financing mode. The result shows that the application of blockchain technology can reduce the probability of credit risk in supply chain finance, effectively solve the financing needs of small and medium-sized enterprises in the upstream and downstream of the supply chain, and promote the integration of blockchain technology and real economy, which has certain practical significance for the sustainable and stable development of supply chain finance.
作者
冯珊珊
李永梅
Feng Shanshan;Li Yongmei(Department of Economics and Management,Loliang University,Loliang 033001,Shanxi,China;Credit Management Section,Loliang City Central Sub-branch of the People’s Bank of China,Laliang 033000,Shanxci,China)
出处
《征信》
北大核心
2022年第2期59-65,共7页
Credit Reference
基金
国家自然科学基金项目(71871040)
山西省社科联重点课题研究项目(SSKLZDKT2021137)
吕梁市软科学研究项目(2021RKX-1-37)。
关键词
区块链技术
供应链金融
信用风险管理
融资模式
blockchain technology
supply chain finance
credit risk management
financing mode
