The Supply Chain Of Financial Service Based On Block-chain Technology

In the process of transformation and upgrading,most small and medium-sized enterprises are faced with the problems of "difficult and expensive financing".The emergence of traditional supply chain financial business eases the financing problems of small and medium-sized enterprises,but still faces many pain points:(1)There are risks of information asymmetry,fraud and tampering,lack of transparency,resulting in high cost of trust;(2)It involves the multi-party processing of accounts payable,credit enhancement agencies and factoring agencies,which takes a long time and costs a lot;(3)The business volume is limited,and small and medium-sized enterprises can not get timely financing,which seriously restricts the further development of enterprises.Therefore,to reduce the above pain points,ensure the transparency and openness of data,reduce the financing cost,speed up the audit process,and constantly absorb fresh blood,so that the financing difficulty of small and medium-sized enterprises is reduced,faster and better development is the core issue of the current research.Only when small and medium-sized enterprises have been developed can the whole financial market develop more steadily.With the rise of blockchain technology,there are new achievements in the analysis of its key technologies.The characteristics of blockchain technology that can not be tampered with and can be traced make the credit penetration of supply chain finance and greatly improve the flow of funds.Therefore,applying blockchain technology to the supply chain financial service industry to provide one-stop financing management services for financial institutions and the whole industrial chain of the real economy is a feasible blockchain application scenario.The combination of blockchain technology and supply chain finance is the best way to improve the financing efficiency of small and medium-sized enterprises in the supply chain finance industry and ensure the rapid and steady development of enterprises.Firstly,the paper analyzes the current situation of traditional supply chain finance,studies the characteristics of blockchain related technologies,and determines the problems that blockchain related technologies can solve in the supply chain financial services.According to the system framework of traditional supply chain financial services,the system framework of supply chain financial services based on blockchain technology is designed.Under the determined framework,according to the traditional supply chain financing management service process,a one-stop service flow chart and related modules are designed,including account management,project management,security certification,enterprise management,contract management,data statistics,blockchain management,etc.Project management is the core module of the service platform,which provides financing services.Other modules exist to ensure the safe and efficient operation of the module.Secondly,this paper completed the implementation of the supply chain financial service platform based on blockchain technology,which is currently in the trial use stage of some enterprises and will be put into the market in the future.Finally,after testing the interface,function and performance of the whole service platform,the test results show that the supply chain financial service platform system based on the blockchain studied in this paper can complete all the functions of system demand analysis,and can meet the needs of small and medium-sized enterprises for system functions.The results of this paper show the feasibility of blockchain technology in the supply chain finance industry,but there are still many problems worthy of further study and more detailed design.At present,the application of blockchain is still in the testing stage.If it can be online as soon as possible and get more recognition and support from enterprises,it will certainly enable China's Internet finance to enter a new era in the future.