| The enterprise is the protagonist in the market,and the normal operation of the enterprise is not only related to the normal operation of the market economy,but also the prerequisite for maintaining social stability and implementing the "stability on the six fronts and security in the six areas".The COVID-19 has caused a huge impact on the daily operations of many companies,and has brought great financial pressure to the normal operation of companies.Facing this situation,our country has introduced a series of policy to reduce the financing cost of the companies.However,in the financing process,companies face many problems such as information asymmetry.In particular,small and micro enterprises have a particularly prominent problem of "financing difficulties" due to their lack of strength and imperfect guarantee mechanisms.This not only seriously affects the innovation and development of small and micro enterprises,restricts the high-quality development of my country's economy,but also poses challenges for further reducing corporate financing costs and promoting stable economic development.In 2016,China added blockchain technology as a strategic technology to the"Thirteenth Five-Year" National Informatization Plan for the first time.Since then,the policy dividends of the blockchain industry have been continuously released,which has aroused widespread attention from social capital on blockchain technology.On October24,2019,General Secretary Xi Jinping pointed out that “The integrated application of blockchain technology plays an important role in new technological innovation and industrial transformation.The blockchain is an important breakthrough for independent innovation of core technologies.It is necessary to accelerate the promotion of the blockchain technology and the innovative development of the blockchain industry".In theory,the characteristics of blockchain technology can reduce the problem of information asymmetry and promote corporate financing.However,in practical applications,how blockchain technology promotes corporate financing and the mode of blockchain corporate service corporate financing are rarely studied.At the same time,it remains to be discussed whether the effect of blockchain application scenarios in serving different types of corporate financing is different.Moreover,blockchain technology is essentially a technological innovation,and its application in the field of corporate financing will inevitably bring a series of new problems to regulators,which also needs to be studied from the perspective of the financing model of blockchain enterprises serving enterprises.Hangzhou Qulian Technology Co.,Ltd.has been ranked first in the blockchain test of China Academy of Information and Communications Technology for many years.This article selects this company as a case study to try to answer the above questions.This article first sorts out the relevant literature and theories.Secondly,it analyzes the current situation of enterprise financing and the development of blockchain enterprises.On the one hand,this part focuses on financing difficulties of small and micro enterprises,and analyzes the problems and reasons in the financing of small and micro enterprises.On the other hand,it focuses on the current situation of blockchain enterprise service enterprise financing,and the advantages and disadvantages of this financing method.Subsequently,this article analyzes the case of Hangzhou Qulian Technology Co.,Ltd.applying blockchain technology to service corporate financing,and conducts an in-depth analysis of the financing model of servicing companies,the results achieved,and the existing advantages and disadvantages.Finally,specific suggestions are given on the shortcomings of Qulian technology servicing enterprise financing.The research conclusions of this article are:First,the application of blockchain technology by Qulian Technology helps companies obtain financing at low cost.Second,there are three main models for Qulian Technology to use blockchain technology to serve corporate financing.They are the integration of blockchain and asset securitization,the use of blockchain for information sharing,and the application of blockchain for bank-government interconnection.Third,in comparison,from the analysis of specific products,it can be seen that the application of blockchain technology by Qulian technology has a greater effect on alleviating the financing problems of small and micro enterprises,which is mainly reflected in the larger number of small and micro enterprises served,a wider distribution,and more reduction of the cost of financing.Fourth,the main problems in the process of applying blockchain technology to the financing of small and micro enterprises by Qulian technology include:narrow service scope;small scale;high threshold;insufficient supervision and security risks,etc.The research in this article can not only explain the financing mode of blockchain enterprises serving enterprises,enrich the existing research,but also explain the characteristics of blockchain enterprises serving different types of enterprise financing,and have relatively important reference value in improving the efficiency of the block chain service enterprise financing and controlling the risks in this process. |
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