金融学院知识库

近年来，区块链的应用受到的关注度越来越高，然而，人们对区块链的讨论和分析大多还停留在概念层面上，从数字资产、智能合约到自治社会，业界虽然对区块链的应用前景充分肯定，但是，考虑到技术开发的成熟问题，区块链目前的大多数成熟应用还都只是数字货币，其他领域的应用尚处于区块链的模型开发阶段或是结合区块链在某一领域的小型测试阶段。结合供应链金融的区块链技术是中国金融领域的一个热门细分市场，有很多应用在国内正在实施或试验中。区块链技术不论在金融产品层面还是金融行业层面的应用都需要有理论去支撑，全面清晰地对“区块链+供应链金融”的相关理论和实践加以进行总结，才能更好地推动“区块链+供应链金融”促进实体经济的发展。
区块链的应用领域有很多，供应链金融是其中之一。供应链金融属于金融创新业务，它主要根据供应链上的核心企业，为核心企业的上下游相关企业提供金融服务的一种模式，目的是为了解决中小企业融资难、融资贵等问题。供应链金融这一概念已经提出多年并且付诸实践，但是在供应链金融的实际运用的过程中，还存在着一些限制供应链金融发展的问题，如信息的不透明性、贸易的不可靠性以及信用不可传递等，而区块链技术具有不可篡改性、可追溯性、去中心化的优点，对于解决供应链金融中的这些问题将会有较大的帮助。
本文通过梳理相关文献，首先介绍了区块链的核心技术与区块链的技术类型以及供应链金融的含义、分类。其次结合区块链技术在供应链金融应用的现状，分析出区块链技术能够解决供应链金融中的相关风险，利用区块链技术能够提升供应链金融中的结算与管理效率，从而为供应链金融带来创新应用价值，再根据“区块链+供应链金融”在实践中的应用情况，得出两者的结合能够在一定的程度上缓解供应链上中小企业融资压力，给供应链中的各企业赋能，使其能够得到长久的发展。最后，对进一步提升区块链在供应链金融中的应用提出针对性的建议。

In recent years, the application of block chain by the attention of more and more high, however, the discussion and analysis of block chain is mostly at the conceptual level, from digital assets, intelligent contracts to autonomous society, although the industry application prospect for block chain fully affirmed, but, considering the mature technology development, chain blocks are also the most mature application digital currency, other areas of application is still in the chain model development phase or in combination with the block chain in a certain field of small test phase. Blockchain technology combined with supply chain finance is a hot market segment in China's financial sector, and many applications are being implemented or tested in China. The application of blockchain technology in both financial products and financial industry requires theoretical support. Only by comprehensively and clearly summarizing relevant theories and practices of "blockchain + supply chain finance" can we better promote the development of "blockchain + supply chain finance" to promote the development of the real economy.
There are many applications of blockchain, and supply chain finance is one of them. Supply chain finance is a financial innovation business. It mainly provides financial services to the upstream and downstream related enterprises of the core enterprises based on the core enterprises in the supply chain, aiming to solve the financing difficulties and expensive financing problems of small and medium-sized enterprises. The concept of supply chain finance has been put forward and put into practice for many years, but in the process of the practical application of supply chain finance, there are some limitations of supply chain finance development problems, such as information opacity, unreliability of trade and credit shall not transfer, etc., and block chain technology is not tampered with, traceability, the advantages of decentralization, It will be of great help to solve these problems in supply chain finance.
By reading supply chain finance and blockchain relevant literature, this paper first introduces the core technology and the types of blockchain as well as the meaning and classification of supply chain finance. Secondly, combined with the current status of the application of blockchain technology in supply chain finance, it can solve the supply chain finance risks , at the same time,use of blockchain technology can improve the efficiency of settlement and management in supply chain finance, so as to bring innovation and application value for supply chain finance, then based on the application of "blockchain + supply chain finance" in practice, it is concluded that the combination of the two can relieve the financing pressure of small and medium-sized enterprises in the supply chain to a certain extent. Finally, this paper puts forward some suggestions to further improve the application of blockchain in supply chain finance.