Research On The Optimization Strategy Of G Commercial Bank's Accounts Receivable Financing Mode Supply Chain Financial Platform Based On Blockchain

Since the development of bill financing business in 2000,the receivables financing business at the bank has developed greatly,from offline mode to online mode dominated by supply chain financial platform.But most upstream long tail suppliers still can not participate in the business,many small and medium-sized and micro enterprises are still facing the situation that they can not borrow if they want to.The fundamental is that the supply chain financial platform at the bank can not effectively control the business risk,and many supplier information can not be effectively verified.In order to reduce the risk of loan default,commercial banks have strict risk control,high access standards for core enterprises,and the business transaction information needs to be checked repeatedly manually.In the post loan management,a large number of manpower are mainly relied on to increase transaction costs,which leads to low financing efficiency and high financing cost of small and medium-sized enterprises.Traditional supply chain finance can not play its inclusive role effect.With the development of financial technology,the blockchain technology is becoming more and more mature.Its distributed data storage,point-to-point transmission,consensus mechanism,encryption algorithm and intelligent contract have the characteristics of decentralization,non tampering,whole process traces,traceability,openness and transparency,and have the ability to solve the financial business pain points of supply chain.As a platform bottom technology,blockchain can effectively optimize the supply chain financial platform,optimize the process of the receivables financing business on the platform,which helps to establish the mandatory trust relationship between institutions,establish a transparent supply chain,reduce the transaction cost at the bank end,improve the efficiency of financing business and increase the willingness to lend.This thesis analyzes the business process of accounts receivable financing mode under the supply chain financial platform of G Commercial Bank,elaborates the two major applications of block chain technology in the supply chain financial platform under the existing accounts receivable financing mode of G bank,and summarizes the advantages and limitations of the supply chain financial platform under the accounts receivable financing mode of G bank.Finally,the limitations of the platform are pointed out for G bank Supply chain financial platform provides optimization strategy.The research of this thesis is helpful to promote the large state-owned commercial banks represented by G behavior to optimize the supply chain financial platform with blockchain technology,to better increase the business volume of supply chain finance,to play the inclusive function of supply chain finance,and to inject funds into small,medium and micro enterprises to serve the real economy.