基于区块链的供应链金融模式创新

Innovation of supply chain financial model based on blockchain

当前基于区块链的供应链金融模式的应用中存在:没有完全去中心化,业务流程和传统供应链金融相比变化小,智能合约应用不足等问题。为解决这些不足,提出了一种新的基于区块链的供应链金融模式。该模式摒弃传统的业务流程,不再完全依赖供应链核心企业的信用进行融资,提高了企业的融资效率,并提供了一个融资交易平台,极大地促进了相关融资交易的市场化,降低了企业融资成本。同时,该模式还通过大量的智能合约的采用,降低了由于人工参与而产生的风险。

At present,there are some problems in the application of blockchain-based supply chain finance model,such as incomplete decentralization,small changes in process compared with traditional supply chain finance,and insufficient application of smart contracts.To solve these problems,a new supply chain finance model based on blockchain is proposed.This mode abandons the traditional business process and no longer completely relies on the credit of the core enterprises in the supply chain for financing,which improves the financing efficiency of enterprises.It also provides a financing transaction platform,which greatly promotes the marketization of relevant financing transactions and reduces the financing costs of enterprises.At the same time,the model also reduces the risks caused by human participation through the adoption of a large number of smart contracts.