区块链技术引入供应链金融的发展模式、困境与建议

The Development Models and Challenges of the Introduction of Block ChainTechnology into Supply Chain Finance and Corresponding Suggestions

通过对区块链技术进行分析,发现相较于传统供应链金融模式,“区块链+供应链金融”在突破信息不对称、拓宽信用辐射范围、提升融资效率与降低融资成本以及防范金融风险等方面更具有优势。但长远看也存在信息化门槛过高和交易真实性难以验证等困境。为此提出加强政策帮扶、提升监管水平和完善法律法规等建议,以帮助区块链技术红利真正落地延续,最大限度发挥出供应链金融效率,服务好实体经济。

The analysis of block chain technology has found that compared to traditional model of supply chain finance,“block chain+supply chain finance”has more development advantages in breaking through information asymmetry,expanding the scope of credit radiation,improving financing efficiency and decreacing costs,and preventing financial risks.But in the long run,it will also face challenges such as high information barriers and difficulty in verifying the authenticity of transactions.Based on this,corresponding suggestions are made,such as strengthening policy assistance,improving regulatory level,and improving laws and regulations,so as to help the implementation and continuation of block chain technology dividends,maximize the efficiency of supply chain finance development,and well serve the real economy.