区块链技术赋能供应链金融发展研究  

Research on Empowering the Development of Supply Chain Finance with Blockchain Technology

作　　者：张鑫瑜 石亮亮 曹虎威 ZHANG Xinyu;SHI Liangliang;CAO Huwei(Business School,Harbin University of Commerce,Harbin 150028,China)

机构地区：[1]哈尔滨商业大学商务学院,黑龙江哈尔滨150028

出　　处：《物流科技》2025年第2期141-143,160,共4页Logistics Sci Tech

基　　金：黑龙江省教育厅高等教育教学改革研究项目“数字经济下技术经济及管理学科研究生教育质量评价体系研究”(SJGY20220422)。

摘　　要：供应链金融在缓解中小企业融资难问题,提升供应链整体竞争力,优化资金流和物流,拓展金融服务范围等方面有着重要作用和地位,但却面临着信息不对称、风险管理难度大、融资成本高等发展困境,而区块链技术在一定程度上为供应链金融的发展困境提供了缓解之道,为解决该领域发展进程中遇到的问题提供了新的思路。在深入探讨区块链技术与供应链金融的融合时,首先,文章厘清了两者的基本概念,并审视了传统供应链金融发展所遭遇的瓶颈。其次,文章详细分析了区块链技术如何为供应链金融注入新动力,并揭示了其带来的显著优势与潜在挑战。最后,文章提出了一系列建议,旨在进一步指导区块链技术在供应链金融中的有效应用,为行业带来新的启示和机遇。Supply chain finance plays an important role in alleviating the financing difficulties of small and medium-sized enterprises,enhancing the overall competitiveness of the supply chain,optimizing capital flow and logistics,and expanding the scope of financial services.However,it faces development difficulties such as information asymmetry,difficult risk management,and high financing costs.Blockchain technology provides a way to alleviate the development difficulties of supply chain finance to a certain extent,and provides new ideas for solving the problems encountered in the development process of this field.When delving into the integration of blockchain technology and supply chain finance,this article first clarifies the basic concepts of the two and examines the bottlenecks encountered in the development of traditional supply chain finance.Subsequently,the article analyzes in detail how blockchain technology injects new impetus into supply chain finance,and reveals the significant advantages and potential challenges it brings.Finally,this article proposes a series of suggestions aimed at further guiding the effective application of blockchain technology in supply chain finance,so as to bring new insights and opportunities to the industry.

关 键 词：供应链金融 区块链 中小企业 融资约束 

分 类 号：F832[经济管理—金融学]