基于区块链的分布式账本技术(DistributedLedgerTechnology,DLT)的应用成为金融科技创新热点。本报告总结了供应链金融解决中小企业融资难问题的优势,分析了传统中心化平台模式下,供应链金融实际应用存在的局限性。结合供应链金融资产证券化中存在的中小企业底层资产信息无法穿透难题,提出利用DLT建立多方参与的全局一致账本,将中小企业底层资产信息上链,通过技术保证数据真实可信,提供专项信息披露服务的创新思路;并以中小企业应收账款证券化信息披露为例,采用联盟链技术构建DLT账本,进行实验研究。对传统联盟链底层技术进行扩展和优化,更好地满足底层资产信息上链和存储的要求,并增强DLT外部互操作性,实现数据交叉验证。
The application of Distributed Ledger Technology (DLT) based on blockchain has attracted general interests of financial technology innovation. This paper summarizes the advantages of supply chain finance to solve the financing difficulties of SMEs,and analyzes the current limitations of supply chain finance under the traditional centralized platform model. Aiming at the problem of lack of effective means for looking through the underlying assets of SMEs in the securitization of supply chain financial assets,this paper proposes an innovation idea to use DLT to establish a global consensus distributed ledge with multi-participation,recording the information of the underlying assets of SMEs,through technology to guarantee that data cannot be tampered,and to provide special information disclosure services. In the area of the information disclosure of SME accounts receivable asset securitization,the alliance chain technology is used to construct the DLT ledger for experimental research,and the underlying technology of the traditional alliance chain is extended and optimized to better meet the requirements of the underlying asset information record and storage,and enhance the external interoperability of DLT to achieve data cross-validation.