区块链技术对供应链金融的优化效应研究——基于多案例分析

Research on the Optimization Effect of Blockchain Technology on Supply Chain Finance—Based on Multi Cases Analysis

摘要: 近年来金融科技的发展和创新呈现爆发性的增长，诸如AI、云计算、5G技术、区块链等金融科技产品逐渐渗透进社会生活的方方面面，为其他领域的发展和效率提升提供了动力和能量。其中因为区块链技术具有去中心化、全交易数据上链、数据不可篡改、数据公开透明、数据来源可追溯等特点，应用的最重要领域之一就是供应链金融。在中国高质量发展的进程中，供应链作为社会生产流通过程中的整体网链结构，其畅通稳定对于整个社会经济的运行有着重要的作用。供应链金融以核心企业为中心，解决上下游资金融通问题，为经济快速高效运转提供重要的金融保障。然而传统供应链金融存在诸多痛点，而区块链赋能下的供应链金融可以使全链融资风险可控，融资高效。文章从区块链技术有效解决上述困境的方法和内在逻辑出发，介绍三种从不同角度应用该技术的企业类型并对应列举具体案例，最后对未来的区块链赋能供应链金融的发展方向提出建议。

Abstract: In recent years, the development and innovation of financial technology have witnessed explosive growth. Financial technology products, such as artificial intelligence, cloud computing, 5G technology, blockchain, have gradually penetrated into all aspects of social life, providing power and energy for the development and efficiency improvement of other fields. Because blockchain technology has the characteristics of decentralization, full transaction data on the chain, data can not be tampered with, data is open and transparent, and data sources can be traced, one of the most important areas of application is supply chain finance. In the process of China’s high-quality development, the supply chain, as the overall network chain structure in the process of social production and circulation, plays an important role in the smooth and stable operation of the entire social economy. With core enterprises as the center, supply chain finance solves the problem of upstream and downstream financing and provides an important financial guarantee for rapid and efficient economic operation. However, there are many pain points in traditional supply chain finance, and supply chain finance enabled by blockchain can make the whole chain financing risk controllable and financing efficient. Starting from the methods and internal logic of the blockchain technology to effectively solve the above difficulties, this paper introduces three types of enterprises that apply the technology from different perspectives and lists specific cases accordingly. Finally, it puts forward suggestions on the development direction of blockchain enabled supply chain finance in the future.