哥伦布CAT区块链知识课堂第五十六讲

2020-06-13 16:59 区块链布道者社群联盟


区块链+供应链金融:链接来的信任




供应链金融是银行将核心企业和上下游企业联系在一起,提供灵活运用的金融产品和服务的一种融资模式。


据麦肯锡咨询机构统计,目前全球有2万亿美元的信用帐款闲置资金。如果将这笔可融资、相对安全的应收款项,有效地通过供应链金融盘活,全球可以多获得200亿美元的潜在收入。据数据统计,2019年供应链金融市场同比增长5.3%,至2.1万亿元,预计2023年将进一步增长至2.5万亿元。


一、供应链金融领域问题分析




信息不透明,中小企业融资难

由于信息不对称,核心企业难以做到对供应链上下游企业的各种经营数据、历史信用状况、财务信息进行有效整合,核心企业的信用传递效果差,商业银行很难对资金风险有精准的把控。企业信用资质不达标,往往会面临融资难的困境。


金融机构操作风险与成本高

金融机构在贸易背景核实、可靠质权、回款控制等方面操作与风险成本均较高,而贸易链条中的企业或平台又难以自证,金融机构开展供应链金融业务的成本、风险和收益较难平衡。


传统监管手段不足

随着金融科技技术的应用,金融创新加速了供应链金融产品不断更新迭代,提高了行业效率的同时也带来了更多的风险。这些风险使用传统监管手段已经很难进行取证、调查,很多企业会伪造票据或者流水来获取非法利益,给行业的发展带来了巨大的挑战。


二、区块链加速供应链平台建立



区块链技术与供应链金融契合度非常高。区块链的链式结构是一种能储存信息的时间序列数据,实现了所有交易信息的可视化,保证参与各方信息透明,这与供应链金融中账单(票据)流转的形式异曲同工;并且以区块链技术为基础的数字票据,具有电子票据的基本属性和特点,对于提高票据市场交易的安全性和可追溯性具有重要的意义。


重塑企业信任机制

分布式数据存储机制能让供应链金融各参与主体共同记录交易信息且不被篡改,这些数据可以作为金融机构信用评级的有效依据,从而解决中小企业融资难、融资贵问题。


助力全渠道信息流通

区块链构建了一个公开透明的协作网络,产业链中的各个企业之间的信息互联化大大提升,使得产业链中的信息流、资金流和物流的效率都有显著提升。同时由于账本的公开透明,企业之间的博弈关系转变为合作关系,从而形成一个围绕消费者的环状链条,供应链的管理和协作比以往更加容易。


提高监管效率

分布式记账技术可建立去中心化的资产交易体系,取代传统的中心化登记和审核程序。通过司法体制保障电子代币与资产之间的关联,各类资产交易所和场外市场都可利用代币交易体系契合供需交易,让市场自主管理交易和价格发现的过程。有利于简化了监管流程,同时区块链技术不可篡改与可追溯的技术特性显著提高了违法的成本,从而提高监管的效率。



随着政府在网络、通信等设施投入增加,行业的发展会加快。未来基于区块链的供应链金融平台会逐步成为覆盖范围更广泛的可信信息传输平台,通过融合人工智能、大数据、云计算等技术,平台提供信息和服务将更加精准与高效,助推行业创新发展。




英文版

(English)



Supply chain finance is a financing model in which banks link core enterprises with upstream and downstream enterprises to provide flexible use of financial products and services.

According to statistics from McKinsey Consulting, there are currently 2 trillion dollars of unused funds in credit accounts worldwide. If this receivable, relatively safe and receivable, is effectively activated through supply chain finance, the world can obtain an additional $20 billion in potential income. According to statistics, the supply chain financial market in 2019 increased by 5.3% year-on-year to 2.1 trillion yuan, and is expected to further increase to 2.5 trillion yuan in 2023.

First. Analysis of problems in traditional supply chain finance


Information is opaque, SME financing is difficult

Due to information asymmetry, it is difficult for core companies to effectively integrate various operating data, historical credit status, and financial information of upstream and downstream companies in the supply chain. The credit transfer effect of core companies is poor, and it is difficult for commercial banks to have precise capital risks. control. If the credit qualification is not up to standard, it will often face the difficulty of financing.

Financial institutions have high operational risks and high costs

Financial institutions have high operational and risk costs in terms of trade background verification, reliable pledges, and payment control. However, companies or platforms in the trade chain are difficult to prove themselves. The costs, risks, and benefits of financial institutions conducting supply chain financial services It is more difficult to balance.

Insufficient traditional supervision

Insufficient traditional supervision methods: With the application of fintech technology, financial innovation has accelerated the continuous updating and iteration of supply chain financial products, which has improved the efficiency of the industry and brought more risks. These risks have been difficult to obtain evidence and investigation using traditional supervision methods. Many companies will forge bills or water to obtain illegal benefits, which poses great challenges to the development of the industry.

Second, the blockchain accelerates the establishment of a supply chain platform


Blockchain technology is highly compatible with supply chain finance. The chain structure of the blockchain is a kind of time series data that can store information. It realizes the visualization of all transaction information and ensures the transparency of the information of all parties involved. This is similar to the form of bill (bill) circulation in supply chain finance. And digital bills based on blockchain technology have the basic attributes and characteristics of electronic bills, and are of great significance for improving the security and traceability of bill market transactions.

Reshaping the corporate trust mechanism

The distributed data storage mechanism allows the participants in the supply chain finance to jointly record transaction information without tampering. These data can be used as an effective basis for the credit rating of financial institutions, thus solving the problem of financing difficulties and expensive financing for SMEs.

Facilitate omnichannel information circulation

The blockchain has built an open and transparent collaboration network, and the interconnection of information between various enterprises in the industrial chain has been greatly improved, which has significantly improved the efficiency of information flow, capital flow and logistics in the industrial chain. At the same time, due to the openness and transparency of the ledger, the game relationship between enterprises has been transformed into a cooperative relationship, thereby forming a circular chain around consumers. Supply chain management and collaboration are easier than ever.

Improve regulatory efficiency

Distributed bookkeeping technology can establish a decentralized asset trading system, replacing traditional centralized registration and review procedures. Through the judicial system to ensure the connection between electronic tokens and underlying assets, various asset exchanges and over-the-counter markets can use the token trading system to fit supply and demand transactions, allowing the market to independently manage the process of transactions and price discovery. It is conducive to simplifying the regulatory process. At the same time, the non-tamperable and traceable technical characteristics of blockchain technology significantly increase the cost of illegality, thereby improving the efficiency of regulation.


As the government's investment in network and communication facilities increases, the development of the industry will accelerate. In the future, the blockchain-based supply chain financial platform will gradually become a trusted information transmission platform with wider coverage. Through the integration of artificial intelligence, big data, cloud computing and other technologies, the information and services provided by the platform will be more accurate and efficient, boosting Industry innovation and development.


 

       新一代超级公有链     

Gcloud分布式区块链云算能平台

哥伦布CAT是新一代高性能的区块链DAPP跨链应用开发平台,基于区块链/分布式节点部署的链网体系,通过分布式众源数据交互协议、跨链交互/事务处理机制、分布式私钥控机制(多维计算、门限密钥共享)、超级共识机制LSMT(分布式AI智慧推荐引擎,神经元网络深度学习优化共识算法)、基于CUDA架的全新区块链软硬结合加速引擎、原生区块链开发语言NAM与NAM VM运行虚拟机、主动式安全数据保护机制、分布式量子密钥分发机制等技术创建区块链图灵完备的新一代公有链。建立智能底层基础协议,建区块链分布式自由经济协同网络。

CAT哥伦布的价值网络构筑在多维的分布式自由经济协同网络的基础上,推动智能底层基础协议设施的生态建设与激励社区应用开发,建立分布式协作的智能经济应用多维度并发,从数据的采集分析处理到智能交互,从分布式交易到分布式社群流转,从多维参与到可信环境,结合底层的分布式区块链账本体系,链接分布式节点的链网体系,形成新一代的全球智能经济协同网络的基础设施之一。


更多信息关注我们

 官网:https://columbu.network

您可关注微博:

CAT哥伦布云算能平台

https://weibo.com/u/7239768939

Facebook用户可直接访问:https://www.facebook.com/gcloud.cat.1

Telegram进行互动可搜索:

https://t.me/CAT Gcloud

您可以前往Github了解更多:

 https://github.com/CATGCLOUD/Columbus

https://www.reddit.com/user/CATGCloud

在Twitter上关注https://twitter.com/CatgCloud
跟踪最新动态

在Slack加入讨论:

https://columbufoundation.slack.com

(选择 #chinese investors 频道)



本文章转载自公众号:xtkuh888

首页 - 区块链 相关的更多文章: