Research On The New Mode Of Ant Financial Service Supply Chain Finance Under The Background Of Blockchain

Supply chain finance,with its characteristics of going deep into the supply chain,is an important way of enterprise financing,especially for the development of small and medium-sized enterprises.China's supply chain financial market is developing rapidly and has a broad market space.However,there are still many problems in China's traditional supply chain finance,such as doubtful trade authenticity,blocked credit transmission,low business efficiency,opaque business process,high financing cost,information asymmetry and so on.To develop supply chain finance,we must concentrate on solving these problems.As an emerging technology,blockchain technology has the characteristics of non tampering,traceability and anonymity,which has a great gain for supply chain finance.Therefore,how to use blockchain technology to develop supply chain finance is the direction that enterprises need to explore in the future,and it is also the focus of this thesis.This paper mainly has five parts.The first part is literature review,which analyzes the research status of supply chain finance and blockchain technology at home and abroad;The second part expounds the definition,theoretical basis and main mode of supply chain finance,and analyzes the definition,core technology and main mode of blockchain supply chain finance;The third part introduces the case of ant group's blockchain supply chain finance,analyzes the problems existing in ant group's traditional supply chain finance,discusses the motivation of ant group's application of blockchain technology,and then introduces the underlying platform and two main business models of ant group's blockchain supply chain finance,Finally,it studies the business operation process and the application of blockchain technology in two cases of ant group blockchain accounts receivable financing and blockchain warehouse single pledge financing;The fourth part is a case analysis,which discusses what problems and how to solve them in the traditional supply chain financial business after the application of blockchain technology to accounts receivable financing and warehouse receipt pledge financing,analyzes the existing shortcomings of ant group blockchain supply chain finance,and puts forward countermeasures for the development of ant group blockchain supply chain finance,Through cases,it summarizes the experience worthy of reference for other enterprises;The fifth part is the summary and prospect.Through the analysis of this paper,ant group builds a credit circulation platform and credit center in the accounts receivable model,which can solve the problems of high financing cost,low financing efficiency and narrow supply chain financial coverage in traditional supply chain finance;In the warehouse receipt pledge mode,blockchain and Internet of things are used to realize the digitization of warehouse receipts and the visualization of pledged goods,solve the problems of asset ownership confirmation and repeated mortgage of assets,and realize the digital supervision of warehouse pledged goods;The problems of ant group's blockchain supply chain finance mainly include the difficulty in ensuring the authenticity of the upstream source data,a certain threshold for small and micro enterprises,and risks at the legal and regulatory levels.Based on the analysis of this thesis,it has certain reference significance for supply chain financial enterprises how to integrate blockchain technology to develop business,and government departments how to promote the development of blockchain supply chain financial industry.Through research,we can better understand how to combine the coordination of blockchain and supply chain finance,use blockchain technology to solve the business problems existing in traditional supply chain finance,promote the development of blockchain supply chain finance and contribute to the development of real economy.