Research On The Financing Mode Of Smes Based On "Blockchain + Supply Chain Finance"

At the national two sessions held in May 2020,the representatives and members attached great importance to the application of blockchain,mentioned the application value of blockchain technology in credit reference system,health care,supply chain finance,e-commerce,logistics and other fields,and proposed that the blockchain industry should be included in the national "fourteenth five year plan" to accelerate the industrial application of blockchain.At the same time,it was proposed to further develop the blockchain industry step by step to promote the breakthrough of blockchain in basic research,industry standards and key technologies.With the continuous integration of blockchain technology and real economy,the government should also actively deploy the application strategy of blockchain in enterprises to achieve digital development.In China's total economic development,the proportion of small and medium-sized enterprises has increased year by year,playing an increasingly important role.However,the problems of financing difficulty and expensive financing are still prominent.A series of problems,such as insufficient collateral,lack of credit data,banks' difficulty in establishing effective credit models and risk prevention and control measures for small and medium-sized enterprises,have become the shackles of their development.How to effectively alleviate the financing difficulties of small and medium-sized enterprises and make them better promote the high-quality development of China's economy has become a key problem to be solved by the government and all sectors of society.On the basis of summarizing the current financing situation and financing mode of small and medium-sized enterprises,this paper introduces the blockchain technology,systematically analyzes the difficulties of small and medium-sized enterprises in the process of supply chain financing and the related application advantages of blockchain technology in the field of supply chain finance,and takes the practical application of E-Chain loan of Agricultural Bank of China as an example,deeply discusses the "blockchain + supply chain finance" has special advantages and positive role in transforming the traditional financing mode of small and medium-sized enterprises and promoting the healthy development of small and medium-sized enterprises.Finally,combined with the reality of China's economic and social development,this paper puts forward some constructive suggestions on how to further accelerate the high-quality application of blockchain technology in the financial field,especially in the financing of small and medium-sized enterprises.