Optimization Strategy Of Commercial Banks’ "Blockchain+Supply Chain Finance" Business Platform

In recent years,with the continuous development of science and technology,the application of blockchain technology has also begun to cover every scene of People’s Daily life.From the era of blockchain 1.0to the era of blockchain 3.0,the application of blockchain is not only limited to the field of digital currency,but also extends to financial transactions,resource integration and other aspects.Enterprise financing and financial markets have also become the typical practice scenarios of innovative application of blockchain,especially the combination with supply chain finance.It has solved some defects of commercial banks in carrying out supply chain finance business,so that block chain technology is called an important engine to promote the development of supply chain finance business of commercial banks,and then gradually formed a new "double chain" pattern of block chain + supply chain finance in the field of commercial bank business development.This paper adopts the literature research method and case comparison method.Firstly,it screens and collates the related theories of blockchain technology,supply chain finance,"double chain" integration,and summarizes the development history,development bottleneck of Chinese commercial banks’ supply chain finance and the practical application of combining with blockchain technology.Secondly,Ping An Bank and Industrial and Commercial Bank of China,two major commercial banks’ pioneers and leaders in supply chain finance development,are introduced to explore the development mode of supply chain finance business platform of commercial banks represented by "ICBC Ju" and "Ping An Haochain".It is also analyzed that the "double chain" business in the process of promotion is faced with the bottleneck of the blockchain data management is not in place,the efficiency of cross-chain communication is low,the interests on the chain is difficult to coordinate,and the new privacy security is frequent,and the optimization ideas are put forward accordingly from the aspects of risk monitoring,credit evaluation,ecological system,data protection and so on.In view of the current development status of the "double-chain" platform of commercial banks,it is proposed that the blockchain technology side should focus on attracting participants on the chain to join,the commercial bank side should accelerate the construction of multi-scene ecological system,and the regulator should actively establish a flexible regulatory policy,so as to give full play to the optimal effect of blockchain technology.Provide reference for other commercial banks to expand blockchain + supply chain finance business,and promote the long-term development of the industry and its finance.