| Supply chain finance helps supply chain member enterprises solve financing difficulties by sharing risks between upstream and downstream enterprises in the supply chain.Supply chain finance not only effectively controls the lending risks of financial institutions and other funding providers,but also improves the turnover rate of funds between various enterprises in the supply chain,reduces the operating costs of the entire supply chain,and achieves the goal of win-win cooperation among various enterprises in the supply chain.At the same time,financial technology is rapidly developing and gradually penetrating into various financial branches,including supply chain finance.Through the application of financial technology,a series of digital solutions are provided for the problems and pain points in the development of traditional supply chain finance business,such as transaction process monitoring,credit data analysis and evaluation,and risk independent warning.However,in the continuous evolution process of supply chain finance relying on the development of financial technology,it also faces various risks such as more complex online market participants,chaotic electronic protocol signing forms,unclear online pledge guarantee processes,and falsification of basic transaction materials under big data algorithms.These risks will also penetrate into various business models of supply chain finance,Obstructing the healthy and orderly development of various models of supply chain finance under the empowerment of financial technology.In the process of legal regulation of supply chain finance,financial technology innovation technologies such as the Internet of Things,big data algorithm credit analysis,blockchain,artificial intelligence,etc.must be used as the foundation,combined with the operational laws of supply chain finance business itself,to construct its legal regulation,in order to better play the positive role of financial technology in promoting the development of supply chain finance and suppress various negative risks,Better expand the function of supply chain finance to solve financing problems for small and medium-sized enterprises,and further serve the development of the real economy. |
