区块链与供应链融资:考虑担保因素的进化博弈方法

IF 5.1 3区 管理学 Q1 BUSINESS
Jizhou Zhan, Gewei Zhang, Heap-Yih Chong, Xiangfeng Chen
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引用次数: 0

摘要

区块链技术实现了供应链金融中的创新融资模式。本研究构建了一个三方演化博弈模型,将核心企业作为雇主,中小企业作为承包商,银行作为金融机构,模拟其对区块链技术的影响,尤其是对核心企业担保机制下供应链融资行为的战略选择和系统演化路径的影响。研究结果表明,区块链技术的应用可以有效降低金融机构的监管和审查成本,从而提高供应链融资的效率。尤其是区块链技术为中小企业提供了更可靠的信用背书平台,降低了中小企业的违约倾向。在区块链技术的支持下,核心企业的担保机制更加有效,有助于建立更加稳固的供应链金融合作关系。该研究有助于区块链技术与供应链金融结合的理论研究,特别是提高金融服务的运营效率。研究还强调了在优化供应链金融服务时,需要核心企业提供区块链支持的担保。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Blockchain and Supply-Chain Financing: An Evolutionary Game Approach with Guarantee Considerations
Blockchain technology enables innovative financing models in supply-chain finance. This research constructs a tripartite evolutionary game model that includes core enterprises as employers, small- and medium-sized enterprises (SMEs) as contractors, and banks as financial institutions, where they have been simulated for their impact on blockchain technology, especially on the strategic choices of supply-chain financing behavior and the system’s evolutionary path under core enterprises’ guarantee mechanism. The findings show the application of blockchain technology can effectively reduce the regulatory and review costs for financial institutions, thereby enhancing the efficiency of supply-chain financing. Particularly, blockchain technology provides a more reliable credit endorsement platform for SMEs in reducing their tendency to default. The guarantee mechanism of core enterprises is more effective with the support of blockchain technology, which helps to build more solid supply-chain financial cooperation relationships. The research contributes to the theoretical research on the integration of blockchain technology into supply-chain finance, especially for improving the operational efficiency of financial services. It also highlights the need for blockchain-backed guarantees from core enterprises in optimizing supply-chain financial services.
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来源期刊
CiteScore
9.50
自引率
3.60%
发文量
67
期刊介绍: The Journal of Theoretical and Applied Electronic Commerce Research (JTAER) has been created to allow researchers, academicians and other professionals an agile and flexible channel of communication in which to share and debate new ideas and emerging technologies concerned with this rapidly evolving field. Business practices, social, cultural and legal concerns, personal privacy and security, communications technologies, mobile connectivity are among the important elements of electronic commerce and are becoming ever more relevant in everyday life. JTAER will assist in extending and improving the use of electronic commerce for the benefit of our society.
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