摘要
区块链作为一种新型的互联网技术,在供应链金融业务中得到了广泛应用。本文以企业效用为驱动,通过构建银行传统线下借贷模式、区块链技术支持的线上平台借贷以及区块链技术支持的平台验证三种运营模式,分析了不同模式下供应链收益情况。研究发现:不同模式下银行、平台收益以及企业收益的大小取决于相关参数之间的关系;平台的验证成本对整个供应链收益有重要影响,降低区块链平台运营成本可以使供应链上各方收益增加。
As a new Internet technology,block chain has been widely used in supply chain finance.This paper is driven by enterprise utility,analyzes the bank income,platform income and social benefits under different models and the conditions that one model is superior to the other models,through construction of three operating modes:traditional offline lending mode of Banks,online platform lending mode supported by blockchain technology,and blockchain technology platform verification mode.The study found that:the size of bank income,platform income and enterprise residual benefit under different modes depends on the relationship between relevant parameters;The verification cost of the platform has an important impact on the revenue level of the entire supply chain,and reducing the operating cost of the blockchain platform can increase the revenue of all parties in the supply chain.
出处
《浙江金融》
2021年第7期23-31,共9页
Zhejiang Finance
基金
2020年上海市哲学社会科学规划基金(2020BGL012)成果
关键词
效用理论
供应链金融
区块链技术
Utility Theory
Supply Chain Finance Model
Blockchain Technology
