Case Study On The Application Of Blockchain In SME Loans

China's small and medium-sized enterprises have a large number of business,a wide range of business,covering the industry and other characteristics,to meet the needs of small batches of personalized production.SMEs are of great significance to the growth of the national economy.The healthy development of SMEs is conducive to increasing employment and increasing market activity.At the same time,SMEs are also the main force in the field of technology and entrepreneurship.The contradiction between the shortage of funds for SMEs and the difficulty of borrowing has spawned many lending platforms that are not tightly regulated.The difficulty of borrowing from SMEs still needs to be resolved.In recent years,with the fiery hot bitcoin,people are paying more and more attention to the development of the underlying technology blockchain technology.The advantages and characteristics of blockchain-based smart contracts can be applied to SME lending,optimize existing models,and solve Many problems.This paper analyzes the present situation of the current lending model of small and medium-sized enterprises,and emphatically analyzes the current situation of the P2 P mortgage platform model.This paper introduces the main characteristics of blockchain and the intelligent contract based on Blockchain,analyzes the applicability of the intelligent contract based on blockchain to the financing of small and medium-sized enterprises and the restrictive problems that may exist in the implementation process of the intelligent contract itself,and briefly introduces the actual landing application of the intelligent contract at the present stage.Combining with the case,this paper emphatically analyzes the application of the Inter-Bank Reconciliation management platform based on Bcos Loan Fund supply end,designs and discusses the mortgage platform model based on Bcos,and the reconciliation management platform based on Bcos can be used in the capital storage link in the mortgage mode,This paper probes into the solution of the key problems in this application scenario,and makes a concrete study and analysis on the adaptability improvement that bcos should make.The future application of blockchain in the financial field has been critically considered and prospected.The purpose of this case study is to optimize the financing model of small and medium-sized enterprises,to a certain extent,to alleviate the problem of small and medium-sized enterprises ' borrowing difficulties,to help the healthy development.