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区块链贷款平台可以帮助中小企业摆脱困境,改善全球经济
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Topic: 区块链贷款平台可以帮助中小企业摆脱困境,改善全球经济 (Read 242 times)
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区块链贷款平台可以帮助中小企业摆脱困境,改善全球经济
September 28, 2017, 07:28:40 AM
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中小企业(SMEs)是经济发展的基石,因此大多数国家,都为它们的就业和经济增长提供了平台。而且,任何旨在鼓励中小企业创业或简化营业环境的产品或系统也可被认为是解决全球问题的办法。
传统融资的困难
贷款和外部资金在中小企业发展中至关重要。但是,不符合贷款偿还义务的风险使得银行与其开展业务有点困难。
WishFinance的CEO Eugene Green表示:
“小企业在现代经济中发挥着重要作用,他们雇用更多的人,缴纳的税款就越多,不仅加强了当地的社区,最终推动经济增长。然而,中小企业不断获取融资渠道是成功的最重要因素之一,获得无担保的商业贷款仍然是他们所面临的一个大问题。事实上,中小型企业是全球最欠缺银行业务的类别,亚太地区是绝大多数国家里中小企业银行业务最少的地区。”
阻碍中小企业履行偿还债务义务的因素可能包括了打破现有市场的竞争,以及这些创业公司无法实现既定目标。这些原因可能导致了银行不愿意向这些中小企业发放贷款。
去中心化贷款平台
区块链贷款平台在整个行业中日益普及,并被很多小企业所接受。这些平台无需与银行程序相关联的这种艰巨的流程,也不需要客户担保。
Green表示,WishFinance将根据公司的实际现金流而不是资产提供合理的利率的现金预付款和商业贷款。它可以直接访问POS机的终端基础设施,以查看实时金融交易,并结合当地市场数据进行评分。
然而,就像在发展阶段的每一个小型项目一样,公众对完全去中心化平台上的贷款制度仍然存疑。
关于这些项目的可持续性和安全性一直存在问题,特别是社区内的一些违规的参与者总是利用新兴创新来欺骗无知或孤注一掷的个人。
区块链贷款的可持续性
Never Stop Marketing的CEO Jeremy Epstein认为,区块链贷款平台的理念是真实且可持续的。不过,他也指出,人们知道如何避免被骗还有一段时间。
Epstein阐述说,以社区作为基础模式,贷款公司的信用评分受到网络中的人的信誉影响,这可能是我们将来会看到的一种创新型商业模式。
此外,他还指出,像LAToken.com这样的项目,你可以将你的非流动性资产进行标记化,这将有助于中小企业从硬资产中获取资本。
Epstein得出结论:
“在这一点上,很难孤注一掷,但是趋势是在那里,因为现有的市场里有摩擦,区块链技术有助于消除第三方贷款过程中的摩擦。”
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