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王伟光
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李培林
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    区块链在中国国内供应链金融中的应用

    摘要

    在贸易全球化宏观背景下,经济活动的生产与销售日益复杂。供应链金融的出现,使得参与各方不再是独立无联系的个体,而是在物流、信息流和资金链上互相配合、紧密合作的整体。然而,无论是中小企业还是核心企业,在现代供应链金融体系下都面临痛点:对于中小企业而言,依赖于核心大型企业生存,议价能力低,易产生现金流问题;对于核心企业而言,虽身处供应链核心地位,但面对层级众多的中小供应商或经销商,容易因信息不透明和账期管理混乱而产生坏账等问题。

    产生上述痛点的根本原因在于:供应链运作过程中信息流、商流、物流以及资金流无法融合一致。区块链技术具有去中心化、时序数据、集体维护、可编程和安全可信五大特点,可以从根本上解决上述问题,帮助重构可靠的供应链信用体系。经过一年多的积累和实践,以布比为代表的区块链平台正被应用于仓单质押融资、应收账款融资、票据托管贴现、消费金融理财、大宗商品交易等供应链金融领域,具有十分广阔的市场前景。

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    Abstract

    In the context of trade globalization,the production and sales of economic activities are becoming increasingly complex. The emergence of supply chain finance,making the parties involved is no longer independent of the individual,but in the logistics,information flow and capital chain to become a co-ordination,close cooperation as a whole. However,enterprises in smalland mediumsize and core enterprises are all faced with pain points in the modern supply chain financial system:For small and medium enterprises,they rely on the core of large enterprises to survive,their bargaining power is low,and it is easy to face cash flow problems for them;for the core enterprises,although they are in the core of the supply chain,they face a large number of small and medium supplier or dealer,it is easy to generate bad debts due to information opacity and confusion in account management.

    The root cause of the above pain point is that the flow of information,business flow,logistics and capital flow can not be integrated in the supply chain operation. The block chain technology has the five characteristics of de-centralization,timing data,collective maintenance,programmable and safe and credible,and can solve the above problems fundamentally and help to reconstruct the reliable supply chain credit system. After more than a year of accumulation and practice,the blockchain platforms represented by Bubby are being used in the financing of the warehouse receipts,the financing of accounts receivable,the custody of bills,discounts,consumer finance,and commodity trading and have very broad market prospects.

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