Research On Supply Chain Financing Based On Blockchain Technology

The contribution of domestic small,medium and micro enterprises to GDP growth is inconsistent with financial support."Financial difficulties","expensive financing" and "slow financing" have always been obstacles restricting its development.It is necessary to change the financing method of the supply chain to chain.Obviously,it is difficult to meet the financing effect of small and medium-sized enterprises with strong financing needs only by relying on traditional supply chain financing.And the characteristics of information transparency,decentralization,traceability,consensus mechanism and smart contracts of blockchain technology just make up for the lack of supply chain financing,so "blockchain + supply chain financing" will provide help for small and medium-sized enterprises.Raising funds to a certain extent,such as further lowering the entry barriers for small and medium-sized enterprises,reshaping their credit ecology,and improving the risk control capabilities and levels of financial organizations and institutions.This article uses literature research method and case research method to research the supply chain financing problem based on blockchain technology.First,based on the overall analysis of the "blockchain + supply chain financing" platform industry,the supply chain financing operation and service model,application situation and advantages are summarized,and it is found that there are still information security,data processing,and Disadvantages such as limited application range.Secondly,the "micro-enterprise chain" financing service platform supported by blockchain technology is taken as a case.Based on the theoretical analysis of supply chain management,information asymmetry,principal-agent and digital currency,the platform's accounts receivable financing Conduct specific research on the process and operating mode.Third,it introduces in detail the circulation,splitting and financing of accounts receivable in its chain,which can effectively deal with the transaction dilemma of ownership distribution and information asymmetry of transaction control in traditional supply chain financing,shaping the enterprise supply chain Systematic,dynamic and risk management of accounts receivable financing.Finally,it analyzes the advantages of "low financing cost and low financing risk" in the development process,as well as the technical defects and legal supervision in the financing process of small and micro enterprises,and then summarizes "blockchain technology + supply chain financing" "Trust reconstruction,development model and shortcomings of the platform,and put forward suggestions and prospects for improvement.This research is helpful to optimize the financing model of micro-enterprise chain "block chain + supply chain financing",and provides a useful reference for solving the financing problems of small,medium and micro enterprises.