摘要
供应链金融依托核心企业信用能够在一定程度上缓解供应链上下游中小企业的融资问题,因此备受关注。由于其与区块链技术有着密切联系,近年来许多商业银行纷纷将区块链技术融入供应链金融业务之中,为业务发展注入新的动能。区块链技术不仅能够使商业银行供应链金融业务的信息传递更为畅通、风险管理能力和业务效率大幅提升,同时也会产生一些消极影响。商业银行只有以打造“区块链+供应链金融”模式为核心,采取正确对策,才能充分发挥区块链技术的积极作用,尽力克服其消极影响,真正推动供应链金融业务持续发展。
Supply chain finance relying on core enterprise credit can alleviate the financing problems of the upstream and downstream small and medium-sized enterprises in the supply chain to a certain extent, so it has attracted much attention.Due to its close connection with blockchain technology, many commercial banks have integrated blockchain technology into supply chain financial business in recent years, injecting new momentum into business development. Blockchain technology can make the information transmission of commercial banks’ supply chain financial business more smooth, the risk management capability and business efficiency greatly improved, meanwhile it has some negative effects. Only by taking the “blockchain + supply chain finance”model as the core and taking correct countermeasures can commercial banks give full play to the positive role of blockchain technology, try their best to overcome its negative effects, and truly promote the sustainable development of supply chain financial business.
作者
林德发
陈语嫣
LIN Defa;CHEN Yuyan(School of Economics,Tianjin University of Commerce,Tianjin 300134,China)
出处
《天津商业大学学报》
2023年第1期25-31,共7页
Journal of Tianjin University of Commerce
基金
天津市哲学社会科学规划项目“银行过度风险承担视角下我国逆周期监管机制优化研究”(TJYYWT19-019)。
关键词
区块链技术
供应链金融业务
商业银行
智能合约
blockchain technology
supply chain financial business
commercial banks
smart contract
