摘要
供应链金融发展已有很多年,但仍不能满足中小企业和实体经济发展的需求。传统供应链金融存在诸多痛点,包括:交易真实性难以辨别、监管成本高;远离核心企业的中小微企业融资难融资贵;金融机构业务覆盖面窄;供应链产业链生态不稳,核心企业供应链管理亟待提升等。区块链是一种去中心化技术,易溯源难篡改,适用于多个交易方需要高度互信的业务场景,天然适合解决供应链金融的痛点。基于问题导向,将区块链在供应链金融的应用称为“区块链+供应链金融”,研究了区块链技术解决供应链金融发展痛点的应用模式,对供应链金融应用区块链技术的典型案例进行了深入分析,阐明了区块链在供应链金融中的功能和作用。研究表明,“区块链+供应链金融”能有效缓解中小微企业融资难融资贵问题,对发挥供应链金融生态的协同效应、服务实体经济高质量发展具有重要意义。
Supply chain finance has been developed for many years,but it still cannot meet the needs of SMEs and real economy development.There are many pain points in traditional supply chain finance,including:the transaction authenticity is difficult to distinguish,and the supervision cost is high;the medium,small and micro enterprises far away from the core enterprises are difficult to bofinanced and the cost is expensive;the business coverage of financial institutions is narrow;the supply chain industry chain ecology is unstable,and the supply chain management of the core enterprises needs to be improved urgently.Blockchain is a decentralized technology,which is easy to trace and difficult to tamper with.It is applicable to business scenarios where multiple transaction parties need high mutual trust,and is naturally suitable for solving the pain points of supply chain finance.Based on the problem orientation,this paper calls the application of blockchain in supply chain finance as“blockchain+supply chain finance”,studies how blockchain technology solves the development pain points of supply chain finance,analyzes the typical case of Bubi blockchain technology in supply chain finance,and expounds the function and role of blockchain in supply chain finance.The research shows that“blockchain+supply chain finance”can effectively alleviate the problem of financing difficulty and expensive financing for small,medium and micro enterprises,and has great significance for giving play to the synergistic effect of supply chain finance ecology and serving the high-quality development of real economy.
作者
吴志峰
田惠敏
WU Zhi-feng;TIAN Hui-min(China Development Bank,Beijing 100033)
出处
《供应链管理》
2024年第5期5-21,共17页
SUPPLY CHAIN MANAGEMENT
