Research On The Financial Credit Risk Of FTQC Supply Chain Under The Background Of Blockchain

Small,medium and micro enterprises play a crucial role in China’s economic development.However,due to their high risks,low credit,limited government policy support,and imperfect credit reporting systems,small and medium-sized enterprises face serious financing difficulties and high financing costs.problem.From its rise to its gradual development,supply chain finance has made important contributions to alleviating the financing difficulties faced by small,medium and micro enterprises.The inability to achieve multi-level transmission has led to the failure of my country’s supply chain finance to achieve further breakthroughs,and it is also the reason why small and medium-sized enterprises are still facing financing difficulties.The development of cloud computing,big data,blockchain,artificial intelligence and other technologies,as well as the emergence of a large number of financial technology companies,have promoted the further development of supply chain finance.For example,the technical characteristics of blockchain technology,such as decentralization,non-tampering,and multi-party trustworthy cooperation mechanism,can break the information barriers between enterprises in traditional supply chain finance,and effectively alleviate the inability of core enterprises to achieve multi-level transmission of data.The authenticity of the information is difficult to distinguish and so on.The automobile industry is one of the important industries in China’s national economy.Its industrial chain is generally long,and the relationship between upstream and downstream enterprises is closer than that of other industries.It is also an industry with earlier practical application of supply chain finance.Therefore,the study of supply chain finance in this industry is development is more meaningful.Based on the above background,this paper selects the FTQC enterprise that integrates blockchain technology and supply chain finance as the research object,explores the improvement of the original supply chain financial credit risk in the process of applying blockchain technology,and analyzes it.its shortcomings.This paper first briefly introduces the current development status of supply chain finance and blockchain at home and abroad;secondly,it expounds the relevant theories and concepts of supply chain finance credit risk and blockchain technology from a theoretical perspective;The operation mechanism of the financial system and the current situation of supply chain financial credit risk control are introduced and analyzed;fourthly,a risk evaluation model with high prediction accuracy is constructed through empirical analysis,and the solvency of FTQC,external guarantees,and external guarantees are found.The profitability of financing companies and their own solvency are significant factors that affect the credit risk of supply chain finance.Finally,according to the research conclusions,this paper focuses on the improvement of blockchain technology,the improvement of laws,regulations and policies,and the development of small and medium-sized enterprises and core enterprises.The relevant risk prevention suggestions are put forward at several levels such as self-construction.