基于区块链技术的小微企业金融评估系统研究.docx

? ? 基于区块链技术的小微企业金融评估系统研究 ? ? 肖天琦 毛新语 袁俊娴 于晨 邢文沛 【摘 ?要】由于小微企业普遍存在资信状况较差、经营能力弱的问题，通过银行融资渠道得到外部资金较为困难。论文旨在通过区块链技术客观呈现企业的信用状况，以区块链为技术依托并结合大数据构建一种“区块链+供应链金融”的共享平台，研究一种帮助企业资金融通的小微企业信用评估系统。 【Abstract】Due to the problems of poor credit status and weak operating ability of small and micro enterprises， it is difficult for them to obtain external funds through bank financing channels. This paper aims to objectively present the credit status of enterprises through blockchain technology， build a sharing platform of blockchain + supply chain finance based on blockchain technology and combined with big d