| Supply chain finance is to provide enterprises with good financing solutions.Banks,core enterprises,small and medium-sized enterprises in the same supply chain,and third-party logistics companies cooperate to facilitate the creation of value for all parties and turn the risk of a single small and medium-sized enterprise into the controllable risks of enterprises in the overall supply chain.However,there are many pain points in supply chain finance.Information islands lead to uncoordinated parties,high corporate financing costs,slow fund arrivals,complex links,and risks.These all have become obstacles in the financing process of SMEs.With the development of Bitcoin,blockchain technology has gradually entered the public view.After experiencing a wave of chasing enthusiasm,blockchain has also begun to return to its functionality,paying more attention to serving the real economy,and the application of blockchain technology has also begun to change from a single field into a diversified field.It is no longer the application of early digital currency related fields,but has expanded to supply chain finance,logistics and other fields.The blockchain + supply chain model provides a new solution to the problems in supply chain finance.However,there are also some unavoidable problems in the application of blockchain,which limits its development to a certain extent.First of all,based on the summary of relevant literature and theories,this article explains the basic concepts,types and characteristics of the blockchain,pointing out that the alliance chain is currently the blockchain that is mainly developed and applied by financial technology companies,and its characteristics include distribution Ledgers,consensus mechanisms,smart contracts,and security;summarize the financing process under different modes of supply chain finance;describe the current status of applying blockchain to supply chain finance.The market has formed a core enterprise-led and technology-based enterprise-led or bank-led type.Secondly,introduce the fintech company WLKJ,how the company's products make blockchain + supply chain finance land,how to solve the pain points in supply chain finance;analyze the advantages and disadvantages of WLKJ's application of blockchain to supply chain finance,according to specific cases--Financial pain points in the supply chain where Group A is located,combined with Group A's needs,build a platform for Group A and provide solutions.According to WLKJ's disadvantages when applying blockchain to supply chain finance and the problems that WLKJ has in the process of building a blockchain platform for Group A,corresponding improvement suggestions are given.Finally,the application of blockchain to the supply chain has natural advantages.Fintech companies should pay attention to reducing the cost of platform construction when applying blockchain to the supply chain,establish a good cooperative relationship with the funding supplier,and control the authenticity of the original data.In order to provide solutions for a variety of supply chain finance models,fintech companies can play their role in supply chain finance and provide assistance to small and medium-sized enterprises in financing. |
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