金融学院知识库

  在2020年5月召开的全国两会上，代表及委员们高度重视了区块链的应用问题，提及了区块链技术在征信系统、医疗卫生、供应链金融、电子商务、物流等领域的应用价值，并提议将区块链产业纳入国家“十四五规划”，加速推进区块链的行业应用，同时提议要进一步推动区块链在基础研究、行业标准以及关键技术等方面的突破。随着区块链技术不断与实体经济的融合，政府也应积极部署区块链在企业中的应用战略，实现数字化发展。

  在我国经济发展总量中，中小企业占比逐年提升，发挥着日益重要的作用，但融资难、融资贵问题仍较为突出，抵押品不足、信用数据匮乏、银行难以对中小企业建立有效的信用模型和风险防控措施等系列问题成为其发展的枷锁。如何有效缓解中小企业融资困境，使其更好地促进我国经济高质量发展，成为政府和社会各界重点解决的问题。

  本文在对中小企业的融资现状和融资模式等内容归纳总结的基础上，引入区块链技术，对我国中小企业在供应链融资过程中存在的困境和区块链技术在供应链金融领域的相关应用优势进行了系统分析，并以农业银行e链贷的实际应用为例，深入探讨了“区块链+供应链金融”在转变中小企业传统融资模式、促进中小企业健康发展方面的特殊优势和积极作用。最后，结合我国经济社会发展实际，对如何进一步加快区块链技术在金融领域特别是中小企业融资方面的高质量应用提出了建设性意见。

  At the national two sessions held in May 2020, the representatives and members attached great importance to the application of blockchain, mentioned the application value of blockchain technology in credit reference system, health care, supply chain finance, e-commerce, logistics and other fields, and proposed that the blockchain industry should be included in the national "fourteenth five year plan" to accelerate the industrial application of blockchain. At the same time, it was proposed to further develop the blockchain industry step by step to promote the breakthrough of blockchain in basic research, industry standards and key technologies. With the continuous integration of blockchain technology and real economy, the government should also actively deploy the application strategy of blockchain in enterprises to achieve digital development.

  In China's total economic development, the proportion of small and medium-sized enterprises has increased year by year, playing an increasingly important role. However, the problems of financing difficulty and expensive financing are still prominent. A series of problems, such as insufficient collateral, lack of credit data, banks' difficulty in establishing effective credit models and risk prevention and control measures for small and medium-sized enterprises, have become the shackles of their development. How to effectively alleviate the financing difficulties of small and medium-sized enterprises and make them better promote the high-quality development of China's economy has become a key problem to be solved by the government and all sectors of society.

  On the basis of summarizing the current financing situation and financing mode of small and medium-sized enterprises, this paper introduces the blockchain technology, systematically analyzes the difficulties of small and medium-sized enterprises in the process of supply chain financing and the related application advantages of blockchain technology in the field of supply chain finance, and takes the practical application of E-Chain loan of Agricultural Bank of China as an example, deeply discusses the "blockchain + supply chain finance" has special advantages and positive role in transforming the traditional financing mode of small and medium-sized enterprises and promoting the healthy development of small and medium-sized enterprises. Finally, combined with the reality of China's economic and social development, this paper puts forward some constructive suggestions on how to further accelerate the high-quality application of blockchain technology in the financial field, especially in the financing of small and medium-sized enterprises.