我國銀行發展區塊鏈供應鏈金融之研究

銀行業在金融科技快速發展下，不得不面臨轉型、創新金融服務，近年區塊鏈技術發展穩定，供應鏈金融結合區塊鏈技術已然成為未來發展趨勢。受到2020新冠疫情影響，全球供應鏈受到巨大衝擊，我國供應鏈也不意外，另外在2020年下半年，由於我國疫情控制穩定，加速進出口貿易的成長，促使我國銀行業積極發展區塊鏈供應鏈金融。因此本研究藉由文獻分析法方式，透探搜集相關資料，了且區塊鏈和供應鏈金融的發展與應用，並以我國發展區塊鏈供應鏈金融為例，整理我國發展區塊鏈供應鏈金融的現況，並提供相關建議。本研究結論為銀行發展區塊鏈供應鏈金融平台，須針對以下六點進行相對的發展策略考量，分別是「擴大區塊鏈供應鏈金融的應用範圍」、「制定嚴格法律規範制」、「提高企業分享資訊的意願」、「平台成員的退出，與後續資料保管」、「未來發展區塊鏈供應鏈金融平台是否盈利，是否符合成本效益考量」、「銀行業風險控制」以及「系統整合與會計製作」，發展完整的區塊鏈供應鏈金融平台。

關鍵字

銀行業；區塊鏈；供應鏈金融

並列摘要

With the rapid development of financial technology, the banking industry has to face the transformation and innovation of financial services. The development of blockchain technology has been stable in recent years, and importing the supply chain financial into blockchain technology has become the future development trend. Affected by the 2020 coronavirus pandemic, the global supply chain has been greatly affected, including those in Taiwan. In addition, in the second half of 2020, due to Taiwan's stable pandemic control, which accelerates the growth of import and export trade, and also prompted Taiwan's banking industry to actively develop blockchain supply chain finance. Therefore, by means of literary analysis, this study explores and collects relevant data to understand the development and application of blockchain and supply chain finance. Furthermore, taking the development of blockchain supply chain finance in Taiwan as an example, organizing the current situation of blockchain supply chain finance finance to provide relevant suggestions. The conclusion of this research is that banks should develop a blockchain supply chain financial platform, which must consider relative development strategies for the following six points: "Expanding the application scope of blockchain supply chain finance", "Establishing strict legal regulations and restrictions", "Improving the willingness of enterprises to share information", "Exit of platform members and subsequent data storage", "Future development of blockchain Whether the supply chain financial platform is profitable and whether it meets cost-benefit considerations", "banking risk control" and "system integration and accounting production", develop a complete blockchain supply chain financial platform.