供应链金融的出发点是为中小企业或小微企业提供金融融资解决方案，这项 业务主要以核心企业作为信用背书服务其上下游企业，从而实现物流企业 、银行、 金融机构、企业之间的合作发展。 在目前阶段，中国经济正处于转型发展的关键时期，供应链金融也进入了深 度深水区。为促进供应链金融摆脱空心化、实现脱虚就实 ，赋能中小企业发展， 必须改善金融信息服务于实体经济的方法。随着区块链技术的飞速发展，在各种 场景中应用的科学技术不断取得新突破，区块链技术本身的某些特征与供 应链金 融发展趋势的需求逐步实现融合，进一步提高了行业对供应链金融相关风险的把 控能力。因此，我们必须结合区块链技术的特征与供应链金融风险的特征及其相 互作用机 制进行科学研究，以揭示区块链技术在供应链风险控制中的关键作用， 使供应链金融更好地服务于实体经济。 本文在对相关文献和理论进行总结的基础上，对区块链的基本概念 和原理、 供应链金融概念和特点进行了阐述，总结了传统模式下供应链金融所存在的瓶 颈，论述了区块链技术的特点如何针对性地克服这些瓶颈，从而为区块链技术与 供应链金 融的融合发展提供了理论依据。接着对区块链技术在供应链金融领域的 应用现状进行分析论述，最后结合相关案例对区块链+供应链金融的应用落地做 了进一步的详细介绍。接下 来谈及在供应链金融中推广使用区块链技术的障碍： 作为参与主体的企业大多没有为供应链金融做好充分准备，并且当前技术水平仍 不足以确保供应链运作一定可靠，缺乏与之 匹配的法律法规。最后，明确提出了 关于利用区块链技术促进供应链金融发展的政策建议，即：加强技术创新，建立 健全产业生态管理体系，规范服务实体经济，促进供应链金 融市场健康发展趋势， 积极培育开源的产业生态，增加新技术的影响力，完善产业制度管理体系，促进 企业自我约束。 关键词：区块链技术；供应链金融；风险控制；中小企业 融资；赋能实体经济 II Abstract Thestartingpointofsupplychainfinanceistoprovidefinancialfinancing solutionsforsmallandmedium- sizedenterprisesorsmallandmicroenterprises.This businessmainlyservestheupstreamanddownstreamenterpriseswithcoreenterprises ascreditendorsement,soastorealizethecooperativedevelopmentamonglogistics enterprises,banks,financialinstitutionsandenterprises. Atthepresentstage,China'seconomyisinacriticalperiodoftransformation anddevelopment,andsupplychainfinancehasalsoenteredthedeep-waterarea.In ordertopromotethesupplychainfinancetogetridofhollowingout,torealizethe separationofvirtualandreal,andtoenablethedevelopmentofsmalland medium- sizedenterprises,itisnecessarytoimprovethemethodoffinancial informationservingtherealeconomy.Withtherapiddevelopmentofblockchain technology,newbreakthroughshavebeenmadeintheapplicationofscienceand technologyinvariousscenarios.Somecharacteristicsofblockchaintechnologyitself aregraduallyintegratedwiththedemandofsupplychainfinancedevelopmenttrend, whichfurtherimprovestheindustry'sabilitytocontrolsupplychainfinancerelated risks.Therefore,wemustcombinethecharacteristicsofblockchaintechnologywith thecharacteristicsofsupplychainfinancialriskanditsinteractionmechanismto conductscientificresearch,soastorevealthekeyroleofblockchaintechnologyin supplychainriskcontrol,sothatsupplychainfinancecanbetterservethereal economy. Basedonthesummaryofrelevantliteratureandtheory,thispaperexpoundsthe basicconceptsandprinciplesofblockchain,theconceptandcharacteristicsofsupply chainfinance,summarizesthebottlenecksexistinginthetraditionalmodeofsupply chainfinance,anddiscussesthecharacteristicsofblockchaintechnologyandhowto overcomethesebottlenecks,soastoprovidethetheoryfortheintegrationand developmentofblockchaintechnologyandsupplychainfinanceOnthebasis.Thenit analyzesanddiscussestheapplicationstatusofblockchaintechnologyinthefieldof supplychainfinance.Finally,itmakesafurtherdetailedintroductiontothe applicationofblockchain+supplychainfinancecombinedwithrelevantcases.Next, wewilltalkabouttheobstaclesinpromotingtheuseofblockchaintechnologyin SupplyChainFinance:mostoftheparticipatingenterprisesarenotfullypreparedfor thesupplychainfinance,andthecurrenttechnologylevelisstillnotenoughtoensure thereliableoperationofthesupplychain,andthereisalackofmatchinglawsand regulations.Finally,thepaperputsforwardsomepolicysuggestionsontheuseof III blockchaintechnologytopromotethedevelopmentofsupplychainfinance,thatis,to strengthentechnologicalinnovation,toestablishandimprovetheindustrialecological managementsystem,tostandardizetheserviceoftherealeconomy,topromotethe healthydevelopmenttrendofthesupplychainfinancialmarket,toactivelycultivate theopensourceindustrialecology,toincreasetheinfluenceofnewtechnologies,to improvetheindustrialsystemmanagementsystem,andtopromoteenterprisesSelf restraint. Keywords:blockchaintechnology;supplychainfinance;riskcontrol;SME financing;enablingrealeconomy IV 目录 摘 要..............................................................................................................................................I Abstract.......................................................................................................................................II 目 录...................................................................................................................................IV 第1章绪 论...............................................................................................................................1 1.1研究背景和选题意 义............................................................................................................1 1.1.1研究背 景.....................................................................................................................1 1.1.2研究目 的.....................................................................................................................1 1.1.3研究意 义.....................................................................................................................2 1.2相关文献综 述........................................................................................................................2 1.2.1国外研 究.....................................................................................................................3 1.2.2国内研 究.....................................................................................................................4 1.2.3文献述 评......................................................................................................................6 第2章概念界定与理论基 础...................................................................................................7 2.1区块链技术概 念....................................................................................................................7 2.2区块链技术理论基 础............................................................................................................7 2.2.1去中心化结 构.............................................................................................................7 2.2.2数据信息不可篡 改.....................................................................................................8 2.2.3分布式记账与存 储.....................................................................................................8 2.2.4智能合约可灵活编 程.................................................................................................8 2.2.5来自密码学的匿名保 护.............................................................................................8 2.3区块链的类 型........................................................................................................................9 2.4供应链金融的概 念................................................................................................................9 2.5供应链金融的特 点..............................................................................................................10 第3章供应链金融与区块链技术融合发展的理论 依据....................................................12 3.1传统模式下供应链金融的发展瓶 颈..................................................................................12 3.2区块链+供应链金融新模式的可行 性.............................................