基于区块链技术的农村金融票据贴现及失信人员查询系统开发  

作　　者：张石磊 韩鑫[1] 

机构地区：[1]山东理工大学,山东淄博255000

出　　处：《智慧农业导刊》2021年第11期80-83,共4页JOURNAL OF SMART AGRICULTURE

摘　　要：2020年新冠肺炎疫情对江苏省经济造成了较大不良影响,在全省金融机构的努力下,尽力克服疫情对经济的严重影响,有效把握了金融票据市场的运营,通过降低实体经济特别是中小微企业融资成本,较好地维护了全省金融票据市场的稳定,推动了全省经济平稳健康发展。随着农村金融改革的不断深化,农村金融环境得到了很大改善,农村区块链也给当地企业金融带来了颇大收益,区块链技术有去中心化、公开透明、可编程性等特征。但农村信贷风险控制问题依然严峻。农村信贷不良贷款率长期居高不下,防范和化解信贷风险压力很大。在互联网的强大背景下,区块链等金融科技,可以管控整个贷款过程,有效预防和控制农村信贷风险,促进农村经济发展。The COVID-19 epidemic in 2020 had a great adverse impact on the economy of Jiangsu Province.With the efforts of the financial institutions of the province,they tried their best to overcome the serious impact of the epidemic on the economy and effectively grasped the operation of the financial bill market.By reducing the financing costs of the real economy,especially small and medium-sized enterprises,it has better maintained the stability of the province's financial bill market and promoted the stable and healthy development of the province's economy.With the deepening of rural financial reform,the rural financial environment has been greatly improved,and the rural block chain has also brought considerable benefits to local enterprise finance.Blockchain technology is characterized by decentralization,transparency,programmability,and so on.However,the problem of rural credit risk control is still serious.The rate of non-performing loans in rural credit has remained high for a long time,so there is a great pressure to prevent and resolve credit risks.Under the strong influence of the Internet,financial technologies such as blockchain can control the whole loan process,effectively prevent and control rural credit risks,and promote rural economic development.

关 键 词：区块链 金融票据市场 农村银行信贷风险 

分 类 号：TP309[自动化与计算机技术—计算机系统结构]