Research On The Optimization Of Q Bank Supply Chain Financial Business Based On Blockchain

As a professional field of bank credit business,supply chain finance can provide financial services to core enterprises,and simultaneously provide supporting financial services to upstream and downstream suppliers and distributors of core enterprises,and control the risk within the controllable risk range of the whole supply chain enterprises.Under this business model,financial institutions can further reduce the risk of credit funds,focus more on providing a good financing platform for core enterprises and the upstream and downstream enterprises of core enterprises,create a better industrial environment for the development of supply chain enterprises,and realize the win-win situation of all parties.In recent years,with the continuous development of China’s economy and the reform of industrial structure,commercial banks have gradually encountered the problems of insufficient risk control ability and low business efficiency when providing traditional supply chain financial services.The emergence of these problems makes the traditional supply chain financial business increasingly unable to meet the development needs of modern financial business.The rapid development and reform of information technology,especially the emergence of blockchain technology,has brought new development opportunities to the traditional supply chain financial business.The unique accounting method of blockchain technology makes it have the characteristics of high trust,decentralization and informatization.Therefore,blockchain technology can solve the problems in traditional supply chain financial business to a certain extent.Therefore,this paper proposes a new business model of "blockchain"+supply chain finance.Compared with the traditional supply chain financial Inodel,this model is more suitable for the needs of modern financial business in risk control and business efficiency."Blockchain"+supply chain financial business model is not only conducive to the banking financial institutions to reduce risk control costs and improve work efficiency.For the upstream and downstream enterprises attached to core enterprises,it is more conducive to expand financing platform,improve financing efficiency,relieve capital pressure,and join forces of all parties to contribute to China’s economic development.Based on this,this paper first combs the relevant theories of supply chain finance at home and abroad,analyzes the connotation,basic characteristics and main business models of supply chain finance,and summarizes the development status of supply chain finance.On this basis,it expounds the technical characteristics of blockchain technology and the current integration scenario of blockchain technology and supply chain finance,thus confirming the current stage of Q bank It is necessary to further optimize the business model of supply chain financeSecondly,this paper expounds the supply chain financial business model of Q bank.analyzes and evaluates the effect of Q bank supply chain financial business.Through the analysis and summary,this paper thinks that Q bank’s current supply chain financial business faces several problems in the operation process:the traditional system architecture has low service efficiency and high audit cost;the selection range of enterprises in supply chain is limited;the demand of small and micro enterprises is mismatched with the bank credit supply;the "information flow","logistics","capital flow" and "business flow" in the supply chain financial system are not fully integrated.At the same time,in order to further verify the feasibility of business optimization,this paper analyzes the internal and external environment of Q bank’s implementation of blockchain+supply chain finance,focusing on the internal advantages,disadvantages,external opportunities and threats of Q bank’s supply chain financial business.On this basis,it further explains that Q bank’s supply chain financial business optimization based on blockchain technology can promote business development,enhance service capacity and reduce operating costs.It is not only necessary to solve the supply chain financial problems of Q bank,but also has a certain urgency in terms of time.Based on the above background,this paper summarizes the underlying logic and business scenarios of the integration of blockchain techno logy and supply chain finance.Aiming at the shortcomings of Q bank’s supply chain finance business model,this paper proposes a new business model of "blockchain+" supply chain finance,and elaborates the technical principles and specific details involved in the new mode.This paper designs and constructs a new supply chain financial service system,discusses the application of each node of the supply chain,and summarizes the main effectiveness and implementation guarantee of the system application.To sum up,this paper takes Q bank as an example,through in-depth analysis of the shortcomings of the existing supply chain financial business of Q bank,finds out the universal shortcomings of the traditional supply chain financial business model,and on the basis of analyzing the technical characteristics of the blockchain,proposes the new mode of blockchain+ supply chain finance to solve the shortcomings of the traditional supply chain business model.This business model is based on the research and analysis of Q bank,which has certain reference and promotion significance for city commercial banks like Q bank.