金融学院知识库

                                                  摘 要
       对于中小企业一直以来面临的融资困境，近年来国家出台了多项扶持政策来
缓解，创新发展供应链金融就是其中重要的举措之一。然而实践过程中，供应链
金融依然存在信用传导不畅、信息不对称、合同造假等融资痛点，区块链的技术
开发及其加密技术、信息不可逆等优势，天然的适用于供应链金融实践，尤其能
够对传统供应链金融应收账款融资提供优化的解决方案。
       基于此，本文运用文献研究与案例对比分析研究方法，探究区块链技术在应
收账款融资业务中的具体应用。首先，本文总结了目前我国供应链金融应收账款
融资的发展状况以及区块链技术在供应链金融应收账款融资中的应用情况，针对
传统供应链金融应收账款融资业务存在的问题，分析区块链技术在解决传统应收
账款融资问题中的优势。其次，引入中企云链与平安银行 SAS 平台双案例，分
析了其现阶段的发展模式及产品特征，通过案例对比分析总结出两个平台在平台
客群规模与资金成本优势、平台主要产品、资产重复质押、业务模式与融资方式
这几个方面的异同点，并总结出各自平台发展的制约因素与优势之处。最后通过
总结全文，得出中企云链与平安银行 SAS 平台案例具有典型性和示范性，能够
为其他企业拓展供应链金融业务提供借鉴。并基于以上理论分析与案例对比分
析，针对目前区块链技术应用于供应链金融应收账款融资的发展现状，提出完善
配套监管政策和法律法规、完善专业型人才培养体系、打造行业联盟、加强风险
监管等对策建议，助力区块链技术在供应链金融应收账款融资的发展中发挥更大
的作用。
关键词：区块链技术 应收账款融资 云链平台 SAS 平台

Abstract

          For small and medium-sized enterprises have been facing the
financing dilemma, in recent years, the state has issued a number of
support policies to alleviate, innovative development of supply chain
finance is one of the important measures. Practice, however, supply chain
finance remain poor credit conduction, information asymmetry, contract
fraud and other financing pain points, block chain technology
development and the advantages of the irreversible encryption technology,information, natural is suitable for the supply chain finance practice,especially to provide optimization on the traditional supply chain
financial accounts receivable financing solutions.
          Based on this, this paper uses literature research and case
comparative analysis to explore the specific application of blockchain
technology in accounts receivable financing business. First of all, this
paper summarizes the current development status of supply chain finance
accounts receivable financing and block chain technology in the
application, aiming at problems existing in the traditional supply chain
financial accounts receivable financing business, analysis of block chain
technology advantages in solving the problem of traditional accounts
receivable financing. Secondly, the two cases of Cloud chain of Chinese
enterprises and SAS platform of Ping An Bank are introduced to analyze

their development mode and product characteristics at the present stage.
Through comparative analysis of the cases, the similarities and
differences of the two platforms are summarized in terms of platform
customer base size and capital cost advantage, main products of the
platform, repeated pledge of assets, and participation in multi-party
win-win. And summed up the constraints and advantages of their

platform development. Finally, by summarizing the whole paper, it is concluded that the case of Chinese enterprise cloud chain and PING An Bank SAS platform is typical and exemplary, which can provide reference for other enterprises to expand supply chain finance business. Based on the above theoretical analysis and comparative analysis of cases, and in view of the current development status of the application of blockchain technology in supply chain finance receivables financing, countermeasures and suggestions are proposed to improve supporting regulatory policies and laws and regulations, improve the professional talent training system, build industry alliances, strengthen risk supervision and other countermeasures. To help block chain technology play a greater role in the development of supply chain finance receivables financing.
Key words: block chain technology; accounts receivable financing; cloud
chain platform; SAS platform