| SMEs(Small and medium-sized enterprises)are the main force for the development of the real economy in China.However,due to the lack of credit,at present SMEs are facing the problem of financing,which causes the development of SMEs extremely difficult.In this environment,industry and academia are committed to improving the ability of financial services to the real economy to solve the financing constraints of SMEs.In order to solve the financing requirement of SMEs,this thesis builds a supply chain financial credit network with a blockchain architecture.And then,the thesis selects receivables financing sub-networks as the research object according to the correlation analysis theory,and uses the technical characteristics of the blockchain to develop a solution based the credit network with four mechanisms,such as credit evaluation mechanism,credit digitization mechanism,credit sharing mechanism and credit supervision mechanism.Simulation analysis shows that the research results of this thesis can give more credit for SMEs,and effectively realize the digitization,inclusiveness and supervision of credit.The thesis’ s innovation mainly includes the following aspects:(1)Building a game model and analyzing the applicability of blockchain technology in improving supply chain financial credit.First,the thesis uses the game theory analyzes traditional supply chain finance to obtain a credit enhancement path,and then the thesis uses the blockchain’s autonomous constraint mechanism to study the agreement between the blockchain technology and the credit enhancement path from two aspects of economic incentives and penalty for breach of contract,and finally achieve the three innovative transformations of the game theory.Theses researches provided a rationality analysis for the construction of a blockchain supply chain financial credit network,and also established the research direction of incentives and punishment for the further realization of the credit mechanism.(2)Research on supply chain financial credit network with blockchain architecture.The credit network is the foundation for the realization of the credit mechanism.Based on this point,the thesis takes the multi-network multi-consensus group model as the theoretical framework to construct an extensible blockchain supply chain financial credit network.And then,by considering complex systems and stable coexistence factors,the thesis studies the dynamic evolution of the directional flow and closed-loop network structure of supply chain credit,as well as the relationship between multi-alliance chain and heterogeneous multi-service sub-chain from the perspective of connotation and extension,so as to provide model and theoretical support for the dynamic evaluation and coordinated supervision of supply chain enterprise credit.(3)Achieving two rounds of credit enhancement for SMEs by optimizing the credit evaluation model and designing the aggregation of multi-chain credit.On the one hand,based on the credit network,the thesis researches how to incorporate blockchain-driven non-financial indicators into the credit evaluation system,and evaluates corporate credit around the life cycle of the enterprise objectively and accurately;on the other hand,the thesis realizes the ecological scoring aggregation of node companies under multiple supply chains which brings higher credit recognition to SMEs and help SMEs to cross the credit threshold of financial institutions.(4)Realizing credit quantification,sharing and supervision using the credit quantification as a carrier.The thesis uses the circulation and financing of commercial certificates as the realization form,and achieves the full chain of core enterprise credit coverage by issuing,splitting and transmitting commercial certificates.SMEs can immediately obtain financing funds by virtue of commercial certificates and enjoy lower funding.At the same time,a supervision node is set up to realize the multi-agreement + multi-chain collaborative supervision of the commercial institution by the supervisory authority,and to form the credit constraint effect of the blacklist to protecting thetransactions of small and medium-sized enterprises.This thesis takes model analysis and simulation experiments as the main research method,and builds a "4 + 1" research system.In the "4 + 1" research system,the "4" involves four models:game model,multi-network multi-consensus group model,credit evaluation model,and financing model.The "1 " means a simulation experiment platform.This research system not only analyzes the significance of the blockchain to enhance the supply chain financial credit from a theoretical perspective,but also points out the feasibility of the blockchain to improve the supply chain financial credit from an application perspective.All in all the thesis has unique academic value and application value. |
