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区块链国际资讯

世界经济论坛:区块链能为中小企业提供1万亿美元融资

世界经济论坛和贝恩公司联合发布的新研究显示,区块链能够弥补新兴市场中小企业在全球贸易融资中1.5万亿美元缺口中的绝大部分。

根据亚洲开发银行计算,目前全球贸易融资缺口是1.5万亿美元,预计到2025年将增长到2.4万亿美元。该研究进一步解释说,这个问题主要源于中小企业在寻求扩大业务时获得贷款的渠道有限。

然而,研究人员认为,如果区块链“获得更广泛的应用”,该融资缺口可以减少1万亿美元,因为分布式网络能够在资金提供端的金融机构之间共享企业记录,提高企业信用透明度。

研究人员还写道:

区块链技术将有助于降低信用风险、削减费用以及消除贸易壁垒。如果得以实施,中小企业和新兴市场会是主要受益者。因为它们有足够的发展空间,却最难获得信贷支持。

研究人员还补充说,区块链贸易融资系统将对亚洲经济体尤为有利。它们占融资缺口的7%(1050亿美元),并占据全球供应链中75%的文件交易(document-based transactions)。

据悉,中国内地和香港当局都已开始启动区块链贸易融资平台,以帮助中小企业获得更多融资工具并同时防止欺诈。

Blockchain is able to fill in much of the $1.5 trillion-dollar supply-demand gap in global trade finance by easing financing for small- and medium-sized enterprises (SMEs) in emerging markets, new research says.

Jointly conducted and released by the World Economic Forum and Bain & Company, the research indicates that, by deploying blockchain, global businesses can generate an extra $1 trillion in trade finance that would otherwise be missed out on.

According to an Asian Development Bank calculation, the global trade finance gap is currently at $1.5 trillion and is estimated to grow to $2.4 trillion by 2025. The research further explains that this issue largely arises from limited access to credit and loans for SMEs that are looking to expand their businesses.

The researchers argue, however, that this missing funding can be reduced by $1 trillion if blockchain "is used more broadly," since distributed networks are able to share business records across financial institutions along the supply chain and bring transparency to businesses' credibility.

"They would help mitigate credit risk, lower fees and remove barriers to trade," the researchers write, adding:

"If implemented, the main beneficiaries are set to be SMEs and emerging markets, which suffer most from a lack of access to credit and have ample room to grow trade."

The researchers further added that a blockchain-based trade finance system would be particularly beneficial to Asian economies as they account for 7 percent ($105 billion) of the trade finance gap, with 75 percent of the global document-based transactions across supply chains.

CoinDesk previously reported that authorities in mainland China and Hong Kong have both moved to launch blockchain-based trade finance systems in an effort to help SMEs gain more access to financing tools and to prevent fraud.


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