Research On The Operation Mode And Effect Of "Blockchain+supply Chain Finance"

Supply chain finance is a new financing method that combines the supply chain and financial fields.It uses the credit of core enterprises to provide financing convenience for small and medium-sized enterprises,and is an effective way to solve the financing difficulties of SMEs.However,the current supply chain finance model has certain limitations.Especially in industries with long supply chain “chains and many supplier levels” such as new energy vehicles,the problem of information asymmetry between core enterprises and upstream enterprises is particularly prominent,which makes many small and medium-sized enterprises on the chain unable to obtain credit guarantees from core enterprises,and they face problems such as “difficult financing” and “expensive financing”,which further affects the overall efficiency of the supply chain.This article takes BYD’s “Di Lian” supply chain finance platform as the research object,and analyzes the innovative supply chain finance model from the perspective of core enterprises.Through a systematic exposition of the operating mode of the“Di Lian” supply chain finance after introducing blockchain technology,it explores the feasibility and effectiveness of blockchain technology in solving the information asymmetry on the supply chain.On this basis,this article also analyzes the implementation effect of “Di Lian” supply chain finance in depth,and evaluates the improvement effect of “Di Lian” supply chain finance on BYD’s operational and profitability capabilities.The following conclusions are drawn in this article:“Di Lian” supply chain finance can effectively improve the information asymmetry problem between enterprises on the supply chain by introducing blockchain technology,and can effectively enhance BYD’s supply chain operation and profitability.However,there are also shortcomings.“Di Lian” supply chain finance concentrates risks on core enterprises,which puts higher requirements on the risk control ability of core enterprises.Therefore,this article believes that BYD still needs to further expand the financing channels of “Di Lian”,and bear the responsibility of platform management and operation to ensure its safety and reliability.Relevant departments should also strengthen effective supervision and management of “Di Lian” supply chain finance,and construct a complete legal regulatory system.It is hoped that through the research in this article,we can explore the BYD “Di Lian” supply chain finance platform in depth and provide case support for the development of supply chain finance.