摘要
伴随着互联网金融和金融科技日新月异的发展,区块链技术逐渐进入商业银行场景。区块链作为分布式共享账本,其公开、透明、去中介化、不可篡改等特性,从根本上解决了产业链金融中商业银行和中小微企业之间"信息不对称"的问题,增加了商业银行在产业链金融下经营小微业务的积极性,从而支持了实体经济的发展。本文在界定供应链金融和产业链金融的基础上,首先阐释了产业链金融下商业银行开展小微业务的现状和存在的障碍,然后讨论了区块链技术如何解决产业链金融中中小微企业"道德风险"的问题,最后指出在未来10年中,区块链+产业链将是商业银行小微金融业务发展的必然趋势。
With the rapid development of Internet finance and financial technology, block chain technology has gradually gone into the commercial banks. As distributed shared hooks, the characteristics of block chain which are open ,transparent, disintermediary and tamper-resistant are the fundamental solutions to the ＂information asymmetry＂ of industry chain finance between commercial banks and MSMEs （micro, small and medium enterprises）, in order to increase the commercial banks＂ enthusiasm of conducting micro-finance in the industry chain finance to support the development of the real economy. Based on the definition of supply chain finance and industry chain finance, this article explained the situation and problems of micro-finance business of commercial banks in the industrial chain finance, discussed how the block chain technology solves the ＂moral hazards＂ of MSMEs in the industry chain finance, and finally pointed out that in the next ten years, block chain ＋ industry chain will be the inevitable trend of development of micro-finance business of commercial banks.
出处
《企业经济》
CSSCI
北大核心
2017年第10期178-184,共7页
Enterprise Economy
基金
国家自然科学基金项目"面向全产业的企业创新能力评价系统研究:基于创新源视角"(项目编号:71562004)
四川省社会科学研究"十三五"规划2016年度项目"基于三阶段DEA模型和MALQUIST指数分解的四川省中小企业融资效率动态研究"(项目编号:SC16B069)
四川省教育厅人文社会科学重点研究基地科技金融与创业金融研究中心项目"互联网背景下商业银行小微金融经营模式创新研究"(项目编号:JR201602)
