基于“区块链+供应链金融”背景下的中小企业融资创新问题研究

Research on financing innovation of SMEs under the background of "blockchain+supply chain finance"

中小企业作为国民经济支柱之一,所获得的贷款支持却与其重要性不成正比,中小企业融资困难、融资成本高的困境由来已久。传统供应链金融可以一定程度上缓解中小企业融资难问题,但其也存在局限性。文章认为将区块链技术引入供应链金融中,形成“区块链+供应链金融”的双链合一融资模式,可以有效突破供应链金融原本的困境,对解决中小企业融资难的问题有一定的现实意义.

As one of the pillars of the national economy,small and medium-sized enterprises(SMEs)have been suffering from financing difficulties and high financing costs for a long time.Traditional supply chain finance can alleviate the financing problem of SMEs to a certain extent,but it also has limitations.In this paper,the technology of blockchain is introduced into supply chain finance to form the financing mode of“blockchain+supply chain finance(SCF)”,which can effectively break through the original predicament of SCF,it is of practical significance to solve the financing problem of SMEs.