應用區塊鏈技術於農業供應鏈金融之研究

農業金融措施對於建立強本革新的新農業具有一定畫龍點睛的關鍵角色，區塊鏈（Blockchain）技術是一種創造信任的機器，其特色包括「去中心化」、「加密安全性」、「不可竄改性」、「可追蹤性」，全球金融業近年來積極發展相關應用，但目前仍欠缺殺手級的應用。供應鏈金融是銀行與企業雙方在傳統借貸觀念上的一種突破，充分發揮供應鏈核心企業的資訊優勢，降低銀行與中小企業間的訊息不對稱，減緩供應鏈上中小企業融資的障礙，增強整體供應鏈的競爭力，同時也帶動金融機構的發展與創新，實現多方共贏的局面，農業供應鏈金融模式可借鏡製造業，將有機會開創新藍海。本研究藉由相關領域研究報告進行研究分析，設計農業供應鏈金融雲平台，透過區塊鏈技術與其他技術（如AIoT、雲端運算）的整合，讓金融機構在風險有效控制下，可以提供農企業實際經營所需融資與保險服務，協助農業永續經營發展。

關鍵字

農業供應鏈；供應鏈金融；智慧農業；區塊鏈；金融科技

並列摘要

Agricultural financial measures have a key role in building a new and innovative agriculture. Blockchain technology is a mechanism for creating trust. Its features include “decentralized”, “encrypted”, “tamperproof” and “traceable”. The global financial industry has been actively developing related applications in recent years, but there is still a lack of killer applications. Supply chain finance is a breakthrough concept of traditional loans between banks and enterprises. By taking advantage of the information advantages of core enterprises in the supply chain, supply chain finance reduces the information asymmetry between banks and SMEs, enhancing not only the overall the competitiveness of the supply chain, but also the development and innovation of financial institutions, in order to achieve a multi-win situation. The manufacturing industry can be the mirror for agricultural supply chain financial model, which has the opportunity to create a new blue ocean. Through analyzing the research reports in related fields, the researcher designs an agricultural supply chain financial cloud platform to enable financial institutions providing the financing and insurance services under effective risk control while sustaining the development of agriculture.