Application Research Of Blockchain Bill Financing Platfor

In recent years,the problem of financing difficulty and high financing cost of medium-sized and small enterprises has aroused widespread concern of the society,from the central government to the local government,a series of guiding opinions have been issued to promote the healthy development of small and medium-sized enterprises,in the opinions,it was emphasized that small and medium-sized enterprises are an important force to expand employment,improve people’s livelihood,and innovate and start businesses.however,they are faced with the problem of financing difficulty and high financing cost in the process of development.the opinion requires to create a good environment for the development of medium-sized and small enterprises,strive to solve the problems of difficult and expensive financing of medium-sized and small enterprises,actively broaden financing channels,and especially put forward the strengthening of small and medium-sized enterprise bills the intensity of financing.although from the policy level,the state strongly supports the bill financing to solve the financing difficulties and high financing problems faced by medium-sized and small enterprises.however,due to the information asymmetry between financing parties and banks,it is difficult to guarantee the authenticity of information,and one vote for multi financing and other issues,the enthusiasm of banks for medium-sized and small enterprises ’ bill financing is not high,and medium-sized and small enterprises are still facing many difficulties.blockchain technology has the characteristics of decentralization,non tampering,traceability,transaction transparency and privacy protection.it can solve the problems of information asymmetry,false transaction information and one vote multi financing in the traditional bill financing process to a great extent.it will play a very important role in solving the difficulties and high financing problems of small and medium-sized enterprises.This paper first collates,refines and summarizes the relevant literature at home and abroad involving blockchain,small and medium-sized enterprise bill financing,and the application of blockchain technology in the bill industry,secondly,we have grasped the core reasons for the difficulty and high financing of medium-sized and small enterprises,that is,it is difficult to verify the real transaction background and guarantee the uniqueness of financing.the difficulty in auditing the real transaction background is due to the serious information asymmetry and opacity between the ticket holder and the ticket collector.the main reason why it is difficult to guarantee the uniqueness of financing is that the information communication between bill collectors is not smooth,and there is no unified,fair and shared information storage channel,this has led to the well-known problem of "one vote for more sales".thirdly,it briefly introduces the blockchain technology,and elaborates the feasibility of using blockchain technology in bill financing from many aspects,and then describes the application status of blockchain technology in bill financing of different industries.In the case analysis,take bank’s bill blockchain platform as an example,the background of the platform is introduced,and the overall architecture,business model and business process of the platform are sorted out;the advantages of the platform are analyzed from the aspects of alleviating information asymmetry,expanding credit scope,improving business operation efficiency,reducing manual operation,reducing business process cost,and considering privacy protection and information sharing;the disadvantages of the platform are analyzed from the aspects of digital application degree,talent technology reserve,various possible risks,industry supervision,laws and regulations;through the operation data and specific cases,this paper analyzes the operation effect of Bank A’s bill blockchain platform in detail and summarizes it.In summary,the conclusions of this paper are as follows:first of all,the main reasons for the difficulty in financing small and medium-sized enterprises are that it is difficult to verify the real transaction background and guarantee the uniqueness of financing;secondly,the application of blockchain technology can alleviate the information asymmetry,reduce the business operation risk and credit risk,improve the overall operation process of the bill business,and provide a good direction for solving the difficulty and high financing cost of the bill financing of the small and medium-sized enterprises;thirdly,through the analysis of Bank A’s bill blockchain platform,it is concluded that bank a’s small and medium-sized enterprise’s bill financing business has achieved good results in terms of economic benefits and social benefits since adopting blockchain technology;finally,as a relatively new and subversive technology,blockchain still needs to be improved.At the same time,there are many functions of the bill blockchain platform that need to be further strengthened.On this basis,this paper will speed up the construction of digital platform,enhance the platform scalability,strengthen personnel training,technical research,risk prevention,improve the internal control system,strengthen industry supervision and improve the law Some reasonable suggestions are put forward.