Research On Enterprise Loan Fund Management Of Bank J Based On Blockchain Technology

In recent years,the supervision of the people’s Bank of China,the China Banking and Insurance Regulatory Commission and other regulatory agencies on the loan fund management of commercial banks has become more and more strict,and all commercial banks attach great importance to the loan fund management.As a state-owned commercial bank,bank J has been actively responding to the call of the state and trying to maintain the stability of the financial market.However,the internal and external environment is complex and changeable.Bank J still has some problems in the management of enterprise loan funds,which is difficult to form effective supervision of enterprise loan funds.Based on the above background,this paper analyzes the current situation of J bank’s enterprise loan and the enterprise loan fund management process through literature research,interview and research,and summarizes the problems existing in J bank’s enterprise loan fund management process,such as the collection and review of loan fund payment vouchers,untimely enterprise loan fund management,low management efficiency,high management cost,and j bank’s insufficient attention to enterprise loan fund management.At the same time,this paper studies the comprehensive risk management theory,information asymmetry theory,business process improvement theory and blockchain technology of commercial banks.Combined with the research status at home and abroad,this paper summarizes the advantages of blockchain technology,such as decentralization,non tampering,traceability and real-time information sharing,which are in good agreement with the problems faced by bank J in enterprise loan fund management.Then,through feasibility analysis and SWOT analysis,this paper analyzes the advantages,disadvantages,opportunities and threats of the combination of blockchain technology and bank J’s enterprise loan fund management process,and forms corresponding strategies.It is proposed that bank J should make use of its own advantages in science and technology finance,learn from international advanced experience,strengthen talent introduction and core technology research and development,and jointly promote the application of blockchain technology in China’s financial field with peer institutions,At the same time,the "pilot" method is adopted to gradually promote the application of blockchain technology in bank enterprise loan fund management.Finally,this paper attempts to combine the blockchain technology with the enterprise loan fund management of bank J to improve the original enterprise loan fund management business process of bank J.this paper expounds the improvement of the enterprise loan fund management process of bank j from five aspects: the preliminary work of the improvement of the enterprise loan fund management process of bank J,the scheme design,the guarantee measures for the implementation of the scheme,the implementation and promotion of the scheme and the comparison of the old and new processes,It is hoped to solve the problems faced by bank J in enterprise loan fund management,and play a certain role in enlightening the application of blockchain technology in China’s financial field.