On August 10, group of blessing cropland automobile hand in hand restful group was rolled out jointly " area piece catenary + the car supplies catenary finance " solution, the line goes up in the meantime " blessing gold All-Link " finance serves platform, this is technology of area piece catenary apply first in what our country car supplies catenary finance domain.
That what is to supply catenary finance? Common for it is all companies that the fluctuation that the alone investment previously the plan change of a company is investment to be core with this company swims. e.g. the plan previously it is investment company of a clothing, supply catenary finance to invest the whole dress that make to supply all industries on catenary namely.
Of course this is not area piece catenary cooperates first with what supply chain, be in early actually in August 2016, establish of government of Singapore of combination of the American bank, bank that collect abundant the area that is based on this super Zhang agreement piece catenary supplies a project. In March 2017, IBM built the division that is based on Hyperledger Fabric with Ma Shiji collaboration again piece catenary solution, use area piece chain between representative of technical management consignor, freight, marine carrier, haven and authorities trade, help those who transform the whole world cross condition supply chain.
To the area piece catenary and the combination that supply chain, what each orgnaizations participate in eliminate is enthusiastic, the country is in policy respect also all the time profit is good. October 2017, general office of the State Council was released " the directive opinion that supplies catenary innovation and application about be being advanced actively " , the opinion points out: "Research uses the burgeoning technology such as area piece catenary, artificial intelligence, the credit that builds based to supply chain evaluates a mechanism, drive of all kinds supply catenary platform organic butt joint, strengthen pair of credit grade, credence early-warning of record, risk, break the law break one's promise the exposure of the information such as behavior and share, the Chongzhongzhi that is current job is heavy. The Chongzhongzhi that is current job is heavy..
In recent years, supply chain the development impetus of money market is very violent. The expert predicts 2020, our country supplies chain money market dimensions will reach billions of dollar. But supplying the handicap that catenary exists in money market also is very apparent.
The problem of difficulty of financing of 1. medium and small businesses
The essence that supplies catenary finance is accredit actually, it is the trustful issue that straddles principal part.
The medium and small businesses in supplying chain cost of financing difficulty, financing is high, because,be the orgnaization of of all kinds finance of bankroll and have financing demand 2, endorse without credit normally between 3 class supplier, accuse coefficient to reduce wind, orgnaization of of all kinds finance is not willing to be this kind of enterprise in supplying chain to offer financing commonly.
Come so, so called supply catenary finance actually also the core business financing of superstratum of bureau be confined to, and the financing demand of supplier of 2 class, 3 class and other medium and small businesses because give letter issue,often cannot get however contented. And the some annulus that supplies the medium and small businesses in catenary to cannot get seasonable financing to bring about a product easily to supply chain appears problem, harm thereby whole the interest that supplies chain.
The wind with exalted 2. accuses and trade cost
Orgnaization of of all kinds finance needs to evaluate the reimbursement ability of the enterprise and reimbursement inclination carefully before offerring financing, investigate an enterprise to offer the authenticity of information even at the same time, the cost that this caused wind to dominate a field will very tall, and unwarrantable also below such circumstance message is completely real.
Pay easy respect additionally, because supply type of main body of catenary itself drag in very much, included to arrive from production almost all link of current sale, supply catenary to have cross main body, cross the district, characteristic that crosses a trade. Supply catenary finance so trade difficulty is opposite also bigger, time-consuming long, cost is high.
3. makes over difficulty bigger
Supply catenary finance the bill of main financing tool makes use view narrow, make over difficulty opposite bigger.
setting suffers be restricted, because current note business often appears,making over difficulty is setting makes difficulty of false, examine and verify, factitious intervening pitch greatly relatively relatively tall, wrong leakage violates compasses incident to send these issues high. Regard the main financing that supplies catenary finance as the tool, the problem of bill will restrict the development that supplies catenary finance directly.
4. industry diaphaneity is low
Because supply catenary banking industry to share principal part,this problem also is actually numerous and have cross region, cross industry characteristic to bring about. Supply catenary finance to involve link principal part overmuch, information asymmetry, bring about industry transparency very poor, this is great the security that reduced whole process and reliability. Raised trustful cost zephyr to control cost.
So the blessing cropland car that preamble mentions and restful group roll out " area piece catenary + supply catenary finance " whether can be you drawn lessons from? Area piece catenary whether solve these problems that restrict industry development?
In fact, look only from existing technology, area piece catenary perhaps is to solve really supply catenary finance to have the choice with best problem.
In March 2018, beijing east released " technology of area piece catenary carries out white paper " , white paper middle finger goes out, current market is begged to supplying the wind of catenary to accuse to appeal to with diaphaneity climb ceaselessly litre, and the allied chain that adopts technology of area piece catenary to build is safeguarded in data, commodity traces to the source prevent bogus and information each other to connect a respect to have natural advantage.
Since technology of area piece catenary is invented, suit to solve two kinds of problems very much all the time, it is to cross main body / the each other that crosses region believes a problem, 2 it is whole process traces to the source the problem that prevent bogus.
And on the problem that supplying catenary finance, technology of area piece catenary can be helped solve much principal part trustful problem, raise the industry diaphaneity, limit that reduces financing tool to be reduced at the same time wind accuses and trade cost.
It is area piece catenary can solve medium and small businesses above all the question with difficult financing. Because supply chain,actually the essential cause of this problem is devoid credence endorses between the many main body that go up, hard each other letter. And of area piece catenary cannot distort and distributed the circumstance that the characteristic that share can reduce information asymmetry effectively, can avoid enterprise or commerce setting to create the problem with the truthless information such as the holiday thereby.
Once form allied chain, the credit circumstance of all enterprises on catenary and management state will be very clear, when needing financing, those representing capital also has according to can be being checked. Come so, no matter enterprise scope magnitude, as long as credit is good, OK and successful acquisition financing, and the trade with poor credit " borer " also nowhere escape form.
What solve next is technology of area piece catenary can be helped raise industry diaphaneity, the transparency of technology of area piece catenary and add close security to be able to make commodity arrives again to storage from production the link such as content shedding is more transparent open and be based on time jab to supply catenary whole process to will become but date from, this raised the diaphaneity of the industry with respect to huge, at the same time further reduced trustful zephyr to control cost.
Have again even if settled the limit with note current business, for example the authenticity problem of bill, of area piece catenary distributed share character to be able to make vitrification of data of of all kinds information, thereby bill of keep within limits makes a holiday. Additionally the time jab of area piece catenary is mixed cannot distort to be able to help the difficulty of examine and verify that reduces bill.
Finally of area piece catenary cannot distort to improve the trustful problem between much main body with transparency, raised industry diaphaneity, so corresponding wind accuses cost to meet as degree of belief rise and reduce, mix as a result of degree of belief at the same time of information data diaphaneity rise, trade process lieutenant general can reduce corresponding redundant segment, shorten thereby trade time, reduce trade cost.
Although both together foreground is very good, but a few problems still exist in the couple that shows level. Basically reflect in two respects:
It is current on one hand area piece catenary and the union that supply catenary finance still lie very inchoate exploration phase, lack corresponding industry alliance and allied catenary, the exploration of single company forms scope effect very hard, make area piece catenary develops latent capacity truly.
It is the processing capacity with current technology of area piece catenary still becomes short to complex financial setting far on the other hand, the data bulk that adds ceaselessly and complex degree of processing capability demand to the technology is very high.
Actually new to technology, area piece catenary can obtain such progress already special and pretty good, what can forecast is in not far future, area piece catenary and the union that supply catenary finance can erupt certainly larger industry latent capacity. The obstacle on the way that although the horizontal stroke is in,develops is very much, but at least direction is right. As to both combination can go much further after all, everybody says to forbid, let us be witnessed together.
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