脉动新闻|区块链行业应用：供应链金融领域竞争激烈还有哪些落地场景

自2020年4月区块链被纳入新基建范围内，其产业价值便被提升至国家战略高度。

Since the blockchain was brought into the scope of new infrastructure in April 2020, its industrial value has been promoted to the height of national strategy.

在《产业区块链》一书中，马化腾在序言中提到，区块链解决一系列问题的技术架构和独特方案，正在给数字化转型升级中的各行各业带来创新和启发。

In the book "industrial blockchain", Ma Huateng mentioned in the preface that the technical architecture and unique solutions of blockchain to solve a series of problems are bringing innovation and inspiration to all walks of life in the process of digital transformation and upgrading.

“今天的区块链有望超越比特币，远离狂热的炒作，脚踏实地，从谷底起步，开始攀爬产业互联网的长坡。”马化腾称。

"Today's blockchain is expected to surpass bitcoin, stay away from fanatical hype, be down-to-earth, start from the bottom and start climbing the long slope of industrial Internet." Ma Huateng said.

基于数据的公开透明、不可篡改与集体维护等措施，区块链创造出的可信任的数据分享和协作方式可以为很多行业提供更高效的解决方案。

Based on the open and transparent data, tamper proof and collective maintenance measures, the trusted data sharing and cooperation mode created by blockchain can provide more efficient solutions for many industries.

以落地较早且参与者较多的行业应用——区块链+供应链金融领域为例，区块链的可证、可见、不可篡改、可追溯等属性，被认为是解决供应链金融痛点的关键，即企业和金融机构间的互信问题。

Taking the industry application of blockchain + supply chain finance, which is implemented earlier and has more participants, as an example, the attributes of blockchain, such as verifiable, visible, unforgeable and traceable, are considered to be the key to solve the supply chain financial pain points, that is, the mutual trust between enterprises and financial institutions.

供应链金融本身解决的是在供应链交易过程中，核心企业与供应商之间难以做到“一手交钱一手交货”，通常居于强势地位的核心企业方会要求延后付款，对供应商压1-6个月的账期，导致供应商在这种情况下现金流紧张的问题。

Supply chain finance itself solves the problem of "one hand payment and one hand delivery" between core enterprises and suppliers in the process of supply chain transactions. Usually, the core enterprises in a strong position will ask for delay in payment and hold down the account period of 1-6 months on the suppliers, resulting in the shortage of cash flow of suppliers in this situation.

供应链金融提供的解决方案是，可以让供应商以核心企业的交易单据作为贷款凭证，为其补充现金流。虽然理论上供应链金融是一个可行的模式，但其中依然有着很大的风险，包括中小企业本身资质问题、所提供的交易凭证是否真实等因素。

The solution provided by supply chain finance is that suppliers can supplement their cash flow with the transaction documents of core enterprises as loan vouchers. Although supply chain finance is a feasible model in theory, there are still a lot of risks, including the qualification of small and medium-sized enterprises and the authenticity of the transaction vouchers provided.

众企安链是一家提供区块链+供应链的解决方案厂商，供应链金融是其落地主要方向。众企安链CEO杨圣向界面新闻记者举例，“前一段时间去北京，一家电动车公司很强势。经销商要卖电动车的货，需要先支付百分之百的货款到电动车企业，电动车企业没有库存，而生产、运输和销售的周期是3个半月，经销商只能先到银行贷款。银行同意算小额利率，但是必须把房子和车子押给我。”

As a solution provider of blockchain + supply chain, supply chain finance is the main direction of its implementation. Yang Sheng, CEO of safety chain of many enterprises, gave an example to the interface news reporter, "a period ago, when I went to Beijing, an electric vehicle company was very strong. In order to sell electric vehicles, dealers need to pay 100% of the payment to the electric vehicle enterprises. The electric vehicle enterprises have no inventory, and the production, transportation and sales cycle is three and a half months. Dealers can only get loans from the bank first. The bank agreed to charge me a small interest rate, but I had to pledge my house and car."

如杨圣所说，供应链金融在理论上可以帮中小企业进行融资，但是实际当中，纯交易融资很难，“上下游都有巨量的需求，这个市场上游应付10万亿、下游在14万亿，金融需求也都是万亿级的，但是市场满足率只有20%。”杨圣补充道。

As Yang Sheng said, in theory, supply chain finance can help small and medium-sized enterprises to finance, but in practice, pure transaction financing is very difficult. "There is a huge demand for both upstream and downstream of this market. The upstream should cope with 10 trillion yuan and the downstream should be 14 trillion yuan. The financial demand is also trillions, but the market satisfaction rate is only 20%." Yang added.

德方智链也是一家区块链+金融解决方案厂商，创始人柳波告诉界面新闻记者，区块链的特性与供应链金融非常契合，可以让供应链上下游融资过程当中，真正实现信用拆分流转。

German smart chain is also a blockchain + financial solution manufacturer. Liu Bo, the founder of German smart chain, told the interface news reporter that the characteristics of blockchain are very consistent with supply chain finance, which can truly realize the credit split flow in the upstream and downstream financing process of the supply chain.

国盛证券一份报告中认为，利用可信的去中心化数据账本，区块链非常适合多方参与的场景下增加参与方的彼此互信。将区块链技术引入供应链金融，实现数据与信息的存储上链，进一步加强信息的安全性、不可篡改性，最终达到供应链金融参与机构之间彼此互信。对比传统的供应链金融，它可以进一步提升融资效率，解决其他供应商融资难问题以及减少违约问题等。

According to a report of Guosheng securities, blockchain is very suitable for increasing mutual trust among participants in the scenario of multi-party participation by using trusted decentralized data ledger. This paper introduces the blockchain technology into supply chain finance, realizes the storage of data and information on the chain, further strengthens the security and unforgeability of information, and finally achieves mutual trust between the participating institutions of supply chain finance. Compared with the traditional supply chain finance, it can further improve the financing efficiency, solve the financing difficulties of other suppliers and reduce the default problems.

作为区块链较早落地的场景之一，供应链金融领域参与者众多，大型银行、核心企业、创业公司都在这个竞争范围之内。众企安链CEO杨圣认为，目前供应链金融领域已经处于同质化竞争较为激烈的状态。

As one of the early landing scenarios of blockchain, there are many participants in the field of supply chain finance, including large banks, core enterprises and start-up companies. Yang Sheng, CEO of security chain of many enterprises, believes that the current supply chain financial field has been in a more intense state of homogenization competition.

杨圣提到，供应链金融领域的难点在于对行业的了解以及对行业资源的把握，前者代表风控，后者代表获客。

Yang Sheng mentioned that the difficulties in the field of supply chain finance lie in the understanding of the industry and the grasp of industry resources. The former represents risk control, and the latter represents customer acquisition.

对于新兴创业公司，在都不具备的状况下，只能另辟蹊径。众企安链选择从工具角度入手，面向供应链业务的团队提供标准化的产品，帮助其搭建区块链+供应链金融平台；德方智链帮助中小企业以数据进行背书，如历史现金流、交税记录等补足信用。另一家创业公司柚子工道则结合IOT设备帮助企业进行资产画像和确权。

For the new start-up companies, they can only find a new way. From the perspective of tools, many enterprises choose to provide standardized products for supply chain business teams to help them build a blockchain + supply chain financial platform; German smart chain helps small and medium-sized enterprises to make up credit with data, such as historical cash flow and tax records. Another start-up company, grapefruit gongdao, combined with IOT equipment to help enterprises carry out asset portrait and ownership confirmation.

区块链帮助解决了传统供应链金融的核心痛点，提供了一套可信的数据共享方式，进一步盘活了供应链金融，为供应链金融领域打开了新的市场增量空间。据艾瑞咨询预测，在区块链参与下，预计2023年供应链金融市场规模将增长至6.1万亿元，相比传统供应链金融市场规模提升3.6万亿元，同比增速大幅提升。

Blockchain helps to solve the core pain points of traditional supply chain finance, provides a set of credible data sharing methods, further enlivens the supply chain finance, and opens a new market increment space for the supply chain finance field. According to the prediction of iResearch consulting, with the participation of blockchain, the scale of supply chain financial market is expected to increase to 6.1 trillion yuan in 2023, which is 3.6 trillion yuan higher than that of the traditional supply chain financial market, with a significant increase in the year-on-year growth rate.

不过据杨圣判断，区块链在行业应用上仍属早期。以供应链金融领域为例，在技术上只能做到通证存证，更高级的智能合约以及可信数字资产平台还不能做到。在应用上，区块链推广应用与企业数字化转型处于相辅相成的关系，部分地区的企业数字化程度还很低，数据上链的难度也就比较大。在生态协同上，由于缺少统一的行业标准，无法形成合力。

However, according to Yang Sheng's judgment, the application of blockchain in the industry is still in its early stage. Taking the supply chain finance as an example, we can only store certificates in technology, but the more advanced intelligent contract and trusted digital asset platform can not. In terms of application, the promotion and application of blockchain are complementary to the digital transformation of enterprises. In some regions, the degree of enterprise digitization is still very low, and the difficulty of data on the chain is relatively large. In terms of ecological coordination, due to the lack of unified industry standards, it is impossible to form a joint force.

知名经济学家、数字资产研究院学术与技术委员会主席朱嘉明认为，当前区块链基础技术的开发还需要更多的科技、人力、资本、资源的投入，这绝非是少数机构，或者是中小公司能够做到的。

Zhu Jiaming, a well-known economist and chairman of the academic and Technical Committee of the Institute of digital assets, believes that the development of the basic technology of blockchain still needs more investment in science and technology, human resources, capital and resources, which can not be achieved by a few institutions or small and medium-sized companies.

德方智链创始人兼CEO柳波表示，“区块链这个行业现在并没有形成行业巨头或者是很成熟的商业模式，大家都在努力。互联网大厂有更强的实力可以进行长远地布局，对于我们中小企业来说，也有这样的情怀，但是我们也需要有生态相互支持。”

Liu Bo, founder and CEO of German smart chain, said, "the blockchain industry has not formed an industry giant or a very mature business model. Everyone is working hard. Big Internet companies have stronger strength to carry out long-term layout. For our small and medium-sized enterprises, they also have such feelings, but we also need to have ecological support for each other. "

从整体发展上来讲，大型互联网公司在技术、资源上的优势在区块链产业链当中可以承担更多的分享、连接作用。以为例，2015年起腾讯开始进行产业区块链的自主研发，推出区块链电子发票“税务链”项目，在随后深圳市税务局推出的试行应用中，腾讯则为其提供了底层技术支持。

In terms of overall development, the advantages of large Internet companies in technology and resources can play more roles in sharing and connecting in the blockchain industry chain. For example, since 2015, Tencent began to carry out independent research and development of industrial blockchain, and launched the "tax chain" project of blockchain electronic invoice. In the pilot application launched by Shenzhen Taxation Bureau, Tencent provided the underlying technical support.

在近日腾讯推出的区块链加速器复试现场，腾讯云生态建设总经理王莹告诉界面新闻记者，产业互联网是区块链技术落地产业场景的关键入口。腾讯2015年就开始关注区块链技术并进行自主研发，聚焦产业区块链，实现规模化落地。未来需要卷入对垂直产业更理解的合作伙伴，通过分享腾讯的技术、资源、商机等，共建产业生态，一起推动区块链核心技术创新落地，加速实现产业场景与区块链的价值连接。

At the re examination site of the blockchain accelerator launched by Tencent recently, Wang Ying, general manager of Tencent cloud ecological construction, told interface news reporters that the industrial Internet is the key entrance to the industrial scene of the implementation of blockchain technology. Tencent began to focus on blockchain technology and carry out independent research and development since 2015, focusing on industrial blockchain and realizing large-scale implementation. In the future, we need to involve partners who have a better understanding of the vertical industry, share Tencent's technology, resources, business opportunities, etc., build an industrial ecology, jointly promote the implementation of the core technology innovation of the blockchain, and accelerate the value connection between the industrial scene and the blockchain.

“现在大家都认为区块链是一个好的技术，是一个对未来非常有益的产品，但是，不同的人对区块链有不同的认识，技术方、产品方和业务方对于区块链都有不同的看法。我们为什么希望与产业深度参与方合作，就是因为深度参与能更好地梳理产业的核心痛点和核心需求，让各个层面的参与者达成共识，不至于在区块链的应用上有太多越来越分化的方向。”腾讯云区块链总经理李力说道。

"Now everyone thinks that blockchain is a good technology and a very useful product for the future. However, different people have different understanding of blockchain, and the technology side, product side and business side have different views on blockchain. The reason why we hope to cooperate with in-depth participants of the industry is that deep participation can better sort out the core pain points and core needs of the industry, so that participants at all levels can reach a consensus, so as not to have too many more and more differentiated directions in the application of blockchain. " Tencent cloud blockchain general manager Li Li said.

原文链接：

https://finance.sina.cn/2020-07-21/detail-iivhvpwx6553721.d.html

—-

编译者/作者：区块脉动

玩币族申明：玩币族作为开放的资讯翻译/分享平台，所提供的所有资讯仅代表作者个人观点，与玩币族平台立场无关，且不构成任何投资理财建议。文章版权归原作者所有。