摘要
近年来国家高度重视中小企业的融资问题,由于中小企业抗风险能力差、信息不对称、担保难度大等原因,融资受限已经成为阻碍中小企业持续发展的瓶颈。优化中小企业的融资模型、改善融资现状,已经成为中小企业的迫切需求。文章在分析中小企业融资难关键原因的基础上,运用区块链技术的特性以及银行信贷、供应链金融和数字化金融平台的相关理论,构建了“基于区块链技术的银企间信贷服务”“基于区块链技术的供应链金融”“基于区块链技术的金融服务平台”三种模式,为中小企业融资难问题的解决开辟了新思路。
In recent years,the state has attached great importance to the fi nancing of small and medium-sized enterprises.Due to the poor anti-risk ability of small and medium-sized enterprises,asymmetric information,and the difficulty of guarantees,fi nancing constraints have become a bottleneck hindering the sustainable development of small and medium-sized enterprises.Optimizing the fi nancing model of small and medium-sized enterprises and improving the status quo of fi nancing have become urgent needs of small and medium-sized enterprises.Based on the analysis of the key reasons for the fi nancing difficulties of small and medium-sized enterprises,this paper uses the characteristics of blockchain technology and the relevant theories of bank credit,supply chain fi nance and digital fi nancial platform to construct three modes:bank enterprise credit service based on blockchain technology,supply chain finance based on blockchain technology and financial service platform based on blockchain technology,which open up a new way to solve the fi nancing problem of small and medium-sized enterprises.
作者
浦心怡
张庆民
代润霞
PU Xinyi;ZHANG Qingmin;DAI Runxia(School of Accounting,Nanjing University Of Finance&Economics;School of Management Science and Engineering,Nanjing University Of Finance&Economics)
出处
《中国商论》
2021年第12期121-123,共3页
China Journal of Commerce
基金
江苏“隐形冠军”企业的形成机制及发展模式调查研究——以苏南地区中小型企业为例(202010327037Z),项目负责人:代润霞
南京财经大学大学生创新创业训练计划项目资助。
关键词
中小企业
融资
区块链
供应链金融
金融服务平台
small and medium-sized enterprises
fi nancing
blockchain
supply chain fi nance
fi nancial service platform
