摘 要
金融科技的快速发展为供应链金融带来了新的发展机遇，本研究旨在探讨金融科技在供应链金融中的创新应用及其影响。基于对区块链、大数据、人工智能等关键技术的分析，本文通过案例研究与实证分析相结合的方法，考察了金融科技如何优化供应链金融的运作效率、降低风险并提升透明度。研究发现，区块链技术能够有效解决信息不对称问题，大数据分析显著提升了信用评估的精准性，而人工智能的应用则优化了决策流程。这些技术创新不仅增强了供应链金融的可获得性，还推动了中小企业融资环境的改善。本研究的主要贡献在于揭示了金融科技在供应链金融领域的具体应用场景及其潜在价值，并提出了相应的实施路径与政策建议，为相关实践提供了理论支持与指导。
关键词：金融科技；供应链金融；区块链
Abstract
The rapid development of fintech has brought new opportunities to supply chain finance, and this study aims to explore the innovative applications and impacts of fintech in this domain. By analyzing key technologies such as blockchain, big data, and artificial intelligence, this paper employs a combination of case studies and empirical analysis to examine how fintech can enhance the operational efficiency of supply chain finance, reduce risks, and increase transparency. The findings indicate that blockchain technology effectively addresses issues of information asymmetry, big data analytics significantly improve the accuracy of credit assessments, and the application of artificial intelligence optimizes decision-making processes. These technological innovations not only enhance the accessibility of supply chain finance but also promote improvements in the financing environment for small and medium-sized enterprises. The primary contribution of this research lies in elucidating the specific application scenarios and potential value of fintech in the field of supply chain finance, along with proposing corresponding implementation pathways and policy recommendations, thereby providing theoretical support and guidance for relevant practices.
Keywords: Fintech；Supply Chain Finance；Blockchain
目 录
引言 1
一、金融科技与供应链金融的融合背景 1
（一）金融科技的发展概述 1
（二）供应链金融的核心特征 2
（三）融合的必要性与意义 2
二、区块链技术在供应链金融中的创新应用 3
（一）区块链技术的基本原理 3
（二）区块链提升供应链透明度 3
（三）区块链驱动融资模式创新 3
三、大数据分析在供应链金融中的价值体现 4
（一）数据分析技术的作用机制 4
（二）风险评估模型的优化路径 4
（三）决策支持系统的构建实践 5
四、人工智能对供应链金融的赋能研究 5
（一）人工智能技术的应用场景 5
（二）智能合约的创新实践 5
（三）信贷审批效率的提升策略 6
结 论 6
致 谢 8
参考文献 9
