摘要
随着我国贸易规模的不断上升、贸易种类多样化以及贸易产品结构的持续优化,导致企业对贸易融资的需求扩大,银行考虑中小企业规模小、还款能力差、监管成本过高等因素往往拒绝其贸易融资信贷申请。区块链技术具有不可篡改、去中心化的特征,为我国银行贸易融资业务发展带来新的发展契机。本文通过梳理我国贸易融资现状与现存问题,分析区块链技术解决贸易融资问题的机制,并对比银行、中下企业上链前后的应用效果。结果表明,当引入区块链后,银行能降低业务风险、增加客户粘性,中小企业融资门槛和融资成本都有所降低。
With the continuous increase of China's trade scale, the diversification of trade types and the continuous optimization of trade product structure, resulting in the expansion of enterprises' demand for trade finance, banks often refuse trade finance credit applications for small and medium-sized enterprises considering factors such as small scale, poor repayment ability and high regulatory costs. Blockchain technology has the characteristics of immutability and decentralization, which brings new development opportunities for the development of China's bank trade finance business. This paper analyzes the mechanism of blockchain technology to solve trade financing problems by sorting out the current situation and existing problems of trade finance in China, and compares the application effects of banks and middle and lower enterprises before and after going to the chain. The results show that when blockchain is introduced, banks can reduce business risks, increase customer stickiness, and reduce the financing threshold and financing cost of small and medium-sized enterprises.
作者
程超其
彭廷
CHENG Chaoqi;PENG Ting(School of Economics and Management,Hubei University of Technology,430068,Wuhan,Hubei,China)
出处
《特区经济》
2023年第8期60-63,共4页
Special Zone Economy
关键词
贸易融资
区块链技术
成本
风险
TradeFinance
Blockchain Technology
Cost
Risk