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区块链供应链如何构建供应商与企业的信用机制
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Topic: 区块链供应链如何构建供应商与企业的信用机制 (Read 158 times)
Aimee1993
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区块链供应链如何构建供应商与企业的信用机制
April 19, 2017, 01:04:28 PM
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英国著名供应链专家马丁·克里斯多夫曾经说:市场上只有供应链而没有企业,21世纪的竞争不是企业和企业之间的竞争,而是供应链和供应链之间的竞争。
区块链供应链金融为中小企业解决了融资难的问题,加速了资金回笼,为供应链企业尤其是中小企业提供资金,满足了企业产业升级转型的需求,提升供应链内部的资金效率,达到多方共赢的效果。
金融供应链中银行承汇兑票被企业广泛使用,一方面解决了结算需要,另一方面也满足了融资要求。之前也看过一些解释,由于太过专业,看着费劲又不好理解。为了让大家通俗易懂的理解,我给大家讲一个“隔壁老王的案例”。
隔壁老王是一家企业老总,他为张三的企业提供货物,如今老王欠了张三的钱,(指定不能让他老婆还)所以老王找到银行,“小银啊,你帮我给张三写个欠条,保证一段时后你会替我把钱还给他。放心,你给张三打款前,大哥会把钱转给你的”。银行心想,你让我打我就打,万一你还不起怎么办。所以银行评估了一下老王的企业,发现还可以,便答应了老王给他开了张欠条。并注明欠条收款人是张三。并郑重承诺,到时拿着这个欠条来找我就行了,见到票就立马给钱。于是张三拿着“欠条”不知是喜是忧的走了。
常规来说,使用银行承兑汇票是企业和一种支付方式,和其他支付方式比,不能说有什么绝对的优势,确切说是特定条件下出票企业最合适或者最无奈的支付选择。
企业用银行承兑汇票,对于双方就是掏钱请了一个比较靠谱中间支付手段,是一个收益和信用的分先保障的折中点,对于结算的好处只是相对而已,这个过程中唯一改进的就是加入了银行信用做担保,缓解了企业风险。到此,看着银行承兑汇票是个不错的东西,但是实际存在问题、风险也不在少数。
这个过程中银行站出来承担了风险,但是是银行不傻啊,天下没有白来的午餐,想要开承兑,就要先授信,你得有资格,银行才会陪你玩。而且,开票需要缴纳一定比例的保证金和各种手续费,有时这中间的费用也是一笔不小的开销。而且中间也可能出现票据瑕疵难以处理,比如重复背书、背书人更改或票据撕毁都会出现资金回收难的问题。过程中交易流程复杂,参与方众多,自动化程度低等原因造成的高成本、低收益现状。
而在区块链供应链上,老王、老张在没有第三方认证的情况下,各自的信用由系统公共数据建立,无法篡改,也解决了企业上游账期拖欠,能拉多长就拉多长的问题。利用区块链不仅优化资源利用率,还压缩中间环节、提升行业整体效率。
依托区块链技术共识、安全、不可篡改的特性,对企业的资金用途、进货渠道、还款能力等实现全方位管控,连接上游供货商及下游企业,实现区块链金融与区块链供应链物流、信息流的精准融合,为各个企业提供单笔小额授信,实现资金快速、灵活、低成本运转,构造区块链供应链,区块链金融和区块链新经济的模式。
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