11.6 供应链金融创新-Innovation in supply chain finance II
分布式账本技术和智能合约的作用
Role of distributed ledger technology and smart contracts
如今的供应链金融解决方案主要是发票驱动的。技术和数字化的进步意味着有机会将供应链融资扩展到提供端到端解决方案，涵盖贸易周期的采购订单和库存阶段。然而，目前大多数分布式账本和智能合约合作更侧重于改善现有贸易和供应链金融解决方案的管理和交付，而不是新产品开发。
Supply chain finance solutions today are predominantly invoice‑driven. The advances in technology and digitisation mean the opportunity to extend supply chain finance to delivering an end‑to‑end solution will be possible, covering the purchase order and inventory stages of the trade cycle. However, most of the distributed ledger and smart contract collaborations in place today are more focused on improving the management and delivery of existing trade and supply chain finance solutions rather than on new product development.
数字颠覆者的进入-Entry of digital disruptors
由于2007-08年全球金融危机，银行被要求对其资本的部署进行战略性审查。这为新进入者创造了机会，成为现状的革新者，利用其敏捷性从银行和现有金融机构捕获业务。许多国家开发或改造了针对中小企业的新技术和电子平台，承诺提供更方便客户和更快捷的服务，而不必经历银行和其他公司雇用的费力的入职和信贷流程。
As a consequence of the 2007–08 global financial crisis, banks have been required to strategically review the deployment of their capital. This has created the opportunity for new entrants to become disrupters of the status quo, using their agility to capture business from banks and existing financial institutions. Many have developed or adapted new technology and e‑platforms aimed at SMEs with a promise to provide a more customer‑friendly and quicker service, without having to go through the laborious onboarding and credit processes employed by banks and others.
高效交付传统解决方案-Efficient delivery of traditional solutions
然而，这些替代融资提供商中的大多数并不一定创建了新的产品解决方案，而是复制了现有的装运后保理和/或应付账款融资解决方案。他们成功地变得更加灵活，并针对上传单个或多个发票提供即时融资，并且通常采用自动信贷算法进行更快的信贷决策。
However, most of these alternative finance providers have not necessarily created new product solutions and have replicated the existing post‑shipment factoring and/or payables finance solutions. They have succeeded in being more flexible and providing immediate finance against an upload of single or multiple invoices, with speedier credit decisions often employing automated credit algorithms.
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