| Supply chain finance,as an effective way to alleviate the expensive and difficult financing of smes,has its drawbacks revealed in the process of rapid development.Due to opaque information,numerous participants and complex business processes,supply chain finance is difficult to accurately control risks,and credit risks are prone to occur when financial institutions grant credit to smes.To introduce blockchain technology into the field of supply chain finance,blockchain has the characteristics of decentralization and information imtamability,which naturally fit with the risk management of supply chain finance,and can solve the pain points in the development of supply chain finance.Therefore,it is necessary to study the application of blockchain in the risk management of supply chain finance,and analyze how blockchain identifies and manages the risks of supply chain finance.It is conducive to promoting the further development of supply chain finance risk management,ensuring data security,improving the risk prevention and control ability of supply chain finance,and improving the supply chain finance supervision system.This paper selects the cloud chain of Chinese enterprises as the research object,mainly focusing on the application of blockchain technology in the risk management of supply chain finance.Firstly,this paper introduces the relevant overview of supply chain finance and blockchain technology,analyzes the coupling between blockchain technology and supply chain finance,and then introduces the theory of information asymmetry and risk management.Secondly,it analyzes the supply chain finance case of blockchain technology applied by Chinese enterprises,including the general situation of Chinese enterprises’ cloud chain and the introduction of the environment faced by Chinese enterprises’ cloud chain,and then explains the platform architecture of Chinese enterprises’ cloud chain,mainly analyzing the two operation modes of Yunxin and Yunzheng.This paper studies the feasibility of blockchain in supply chain finance risk management through a case study.Chinese enterprise cloud chain uses blockchain technology characteristics to identify market risk,credit risk and operational risk respectively.Targeted management of three types of risks is carried out by using blockchain technology with high information transparency,immutable and smart contract technology.Cloud chain of Chinese enterprises has achieved success in managing supply chain financial risks with blockchain technology,which can reduce operating costs,promote management and sharing of trusted data,realize asset digitization,and reduce financing costs of smes.Finally,four enlightenments are obtained through case summary,which are to improve the credit investigation system through multi-party cooperation,ensure the authenticity of data by using big data,cultivate compound talents to promote technological innovation,and strengthen the construction of industry standards and relevant laws and regulations.In order to promote the application of blockchain in supply chain finance risk management,it also provides new ideas and methods for supply chain finance risk management. |
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