摘要
作为一种新型融资模式,当前商业银行应收账款质押融资业务存在风险与不足。论文在现有研究基础上,对商业银行基于区块链技术的应收账款质押融资模式进行技术可行性分析与经济社会效益评价,讨论该模式的实现路径并对其发展进行展望,以期提升商业银行对小微企业的融资服务水平,为小微企业输血纾困,维护产业链的稳定。
As a new financing mode,there are risks and deficiencies in the current commercial bank loans pledged by accounts receivable.Based on the existing research,this paper analyzes the technical feasibility of the mode of bank loans pledged by accounts receivable based on blockchain technology and evaluates the economic and social benefits,discusses the realization path and prospects its development,so as to improve the financing service level of commercial banks for small and micro enterprises,and maintain the stability of the industrial chain.
出处
《农村金融研究》
2021年第4期57-62,共6页
Rural Finance Research
关键词
区块链
应收账款质押融资
商业银行
小微企业
Blockchain Technology
Loans Pledged by Accounts Receivable
Commercial Bank
Small and Micro Enterprises
作者简介
胡可征,博士研究生,中国社会科学院大学经济学院
