卢悦-区块链在供应链金融中的应用研究.docx

本科论文本科论文摘要近年来中小企业的融资难、融资贵等问题频出，供应链金融作为中小企业的新兴融资渠道逐渐成为企业和银行的重点关注对象。但供应链金融在我国推行数年，业务规模并没有突破性的增长。因供应链本身属于一复杂网络体系，自身存在信息不对称、传递效率低、信用风险评估困难等弊端阻碍着它的发展也制约了中小企业的融资。现阶段，人口红利时代已经过去，技术红利时代正在到来。区块链作为最近两年兴起的新兴技术能够有效弥补供应链金融的这些缺陷，能够让信息传达完整和对称。区块链技术为供应链金融的充分发展提供了技术基础，供应链金融的发展进一步推动了区块链商业化应用。两者相辅相成，共同促进我国经济在转型时期的发展。本文首先论述了区块链的概念、特点和分类，接着描述当前供应链金融业务的定义和发展现状，针对现有供应链金融业务的发展瓶颈，提出区块链技术融入供应链金融的必要性结论。通过研究区块链融入供应链金融的应用中，发现存在着一定的风险。因此，本文最后提出相关建议以促进区块链技术在供应链金融中普遍应用。关键字：区块链，供应链金融，应用AbstractInrecentyears,thefinancingofsmallandmedium-sizedenterprisesisdifficultandexpensive.Asanewfinancingchannelforsmallandmedium-sizedenterprises,supplychainfinancehasgraduallybecomethefocusofenterprisesandbanks.However,thesupplychainfinancehasbeenimplementedinChinaforseveralyears,andthebusinessscalehasnotbeenabreakthroughgrowth.Becausethesupplychainitselfbelongstoacomplexnetworksystem,itsowndisadvantagessuchasasymmetricinformation,lowefficiencyoftransmission,anddifficultyincreditriskassessmenthinderitsdevelopmentandrestrictthefinancingofsmallandmedium-sizedenterprises.Atthisstage,theeraofpopulationdividendhaspassed,andtheeraoftechnologydividendiscoming.Block-chain,asanemergingtechnologyinrecenttwoyears,caneffectivelymakeupforthesedefectsofsupplychainfinance,andcanmakeinformationtransmissioncompleteandsymmetrical.Block-chaintechnologyprovidesthetechnicalbasisforthefulldevelopmentofsupplychainfinance,andthedevelopmentofsupplychainfinancefurtherpromotesthecommercialapplicationofblock-chain.TheycomplementeachotherandjointlypromotethedevelopmentofChina'seconomyinthetransitionalperiod.Thispaperfirstdiscussestheconcept,characteristicsandclassificationofblock-chain,andthendescribesthedefinitionanddevelopmentstatusofthecurrentsupplychainfinancialbusiness.Inviewofthedevelopmentbottleneckof