金融学院知识库

区块链技术以其去中心化、不可篡改、智能合约等诸多特点与优势引起了人们的广泛兴趣与研究。由于信用证本身就是建立在互信基础上的结算方式，利用区块链对其进行赋能将会提升信用证的结算效率，保证贸易结算的安全，所以将区块链技术引入信用证结算将是一个有意义的探索。

目前，中国的钢铁进口贸易结算依然主要使用传统的信用证结算方式，存在着效率低下、欺诈风险环生等缺点。论文以钢铁行业中的B公司为例，探索利用区块链赋能信用证的新型贸易结算方式。论文首先对区块链、信用证的相关理论与文献进行了详细阐述，在此基础上，通过分析传统信用证结算方式提出将区块链技术赋能信用证，改进目前信用证所存在的短板，对目前B公司在铁矿石进口贸易结算中存在的手续繁多、时间冗长、内容繁琐、信用证结算积弊重重、面临新冠肺炎疫情冲击等困境进行剖析的基础上，提出利用区块链+信用证为B公司贸易结算纾困的诸多设想，如全程无纸化，降低信用证使用风险，减少人员接触，提升贸易结算效率等

Blockchain technology has aroused widespread interest and research due to its many characteristics and advantages such as decentralization, immutability, and smart contracts. Since the letter of credit itself is a settlement method based on mutual trust, the use of blockchain to empower it will improve the efficiency of letter of credit settlement and ensure the safety of trade settlement, so the introduction of blockchain technology into letter of credit settlement will be A meaningful exploration.

At present, my country's steel import trade settlement still mainly uses traditional letter of credit settlement, which has disadvantages such as low efficiency and high risk of fraud. The paper takes B company in the steel industry as an example to explore a new type of trade settlement method that uses blockchain to empower letters of credit. The thesis first elaborates the relevant theories and literature of blockchain and letter of credit. On this basis, it proposes that blockchain technology can be used to empower the letter of credit by analyzing traditional letter of credit settlement methods to improve the current shortcomings of letter of credit. Based on the analysis of the complicated procedures, lengthy time, cumbersome content, accumulated drawbacks in the settlement of letters of credit, and the impact of the new crown pneumonia epidemic in the current iron ore import trade settlement of company B, it proposes to use blockchain+ Letters of credit are many ideas for company B’s trade settlement relief, such as paperless the whole process, reducing the risk of using letters of credit, reducing personnel contacts, and improving the efficiency of trade settlement.