摘要
区块链技术的迅猛发展,为缓解小微企业的融资难提供了一种新思路。在分析区块链技术特点的基础上,通过建立数理与博弈模型,探究区块链技术对小微企业的融资影响。研究发现,对于小微企业来说,区块链技术的使用成本较高,会进一步加重小微企业的资金负担,增加小微企业的融资成本。因此,应进一步降低区块链技术的研发和使用成本,提供技术支持,降低使用门槛,进而发挥区块链技术对小微企业融资贷款的积极作用。
The rapid development of blockchain technology provides a new way to alleviate the financing difficulties of small and micro enterprises.On the basis of the analysis of characteristics of blockchain technology,the impact of blockchain technology on the financing of small and micro enterprises was explored by establishing mathematical and game models.The study finds that for small and micro enterprises,the cost of blockchain technology is higher,which will further increase the financial burden of small and micro enterprises and aggravate the high financing cost of small and micro enterprises.Therefore,we should further reduce the cost of research and development and use of blockchain technology,provide technical support,reduce the threshold of use,and then play a positive role of blockchain technology in financing loans for small and micro enterprises.
作者
许贤丽
盛红有
胡艳
XU Xianli;SHENG Hongyou;HU Yan(Department of Finance,Anhui Business College,Wuhu,Anhui 241002,China)
出处
《成都师范学院学报》
2019年第11期54-59,共6页
Journal of Chengdu Normal University
基金
安徽商贸职业技术学院三平台两基地项目“双创背景下区块链金融对实体经济影响研究”(2019ZDF01)
安徽省社会科学创新发展研究课题攻关项目“融入长三角区域研发联盟模式下的芜湖市自主创新能力研究”(2018cx027)
关键词
区块链
小微企业
融资
博弈
blockchain
small and micro enterprises
financing
game
