Fin-tech赋能供应链金融助力中小企业融资研究——以浙江省衢州市实践为例

The Research of Fin-tech Empowers Supply Chain Finance to Help Small and Medium-sized Enterprisesx Financing—Take the Practice in Quzhou City,Zhejiang Province as an Example

发展供应链金融对缓解中小企业融资困境具有十分重要的意义。核心企业信用无法传递、金融政策难以穿透、信用价值链构建不足等问题已成为传统供应链金融发展的障碍。本文结合浙江省衢州市的实践经验,通过Fin-tech(金融科技)的大数据、区块链、人工智能等技术,探索供应链金融发展新模式,并提出完善供应链金融发展的政策建议,有效助力中小企业融资。

The development of supply chain finance is of great significance to alleviating the financing difficulties of small and medium-sized enterprises.There are problems such as core corporate credit cannot be passed on,financial policies are difficult to penetrate,and the establishment of a credit value chain is insufficient which have become obstacles to the development of traditional supply chain finance.Based on the practical experience of Quzhou City,Zhejiang Province,this paper explores new models of supply chain finance development through big data,block-chain,artificial intelligence(Al)and other financial technologies,and proposes policy recommendations for improving the development of supply chain finance to effectively assist small and medium-sized enterprises'financing.