臺灣博碩士論文加值系統

中小企業融資時，因為信用證明不易、限制多而陷入困難，且銀行端也因徵信所需耗費的時間、人力、物力成本高，導致許多潛在供應鏈金融業務未獲得有效開發。本文運用區塊鏈技術改善現有的供應鏈金融業務，透過情境分析法探討將智能合約應用在供應鏈金融的三種融資模式。在應收帳款融資模式可採用：上傳合約資料、對融資企業(供應商)徵信、上傳應收帳款資料和交易應收帳款。在存貨類融資模式可採用：上傳合約資料、對融資企業(經銷商)徵信、上傳交易帳記錄和自動通知監管方發貨。在預付類融資模式可採用：向平臺登錄商品、對融資企業(零售商)徵信、開立承兌匯票和上傳發貨單據。在以區塊鏈技術為基礎的智能合約幫助下，能減少資訊不對稱、增加信任，並達到節省傳遞、驗證時間的效果。可協助公司管理人員在做未來規劃時，提供一些應用方式做為參考。

Due to the difficulty of Credit certificate and various restrictions, financing can be challenging for small and medium-sized enterprises. The bank also finds the process of performing credit checks to require a great deal of time and human and material resources, rendering numerous latent supply chain finance businesses insufficiently developed. This study adopts blockchain technology to improve existing supply chain finance businesses. Scenario analysis is used to discuss the three financing models of using smart contracts on supply chain finance. The accounts receivable finance model may employ the following measures: uploading contract information, conducting credit checks on financing enterprises (suppliers), and uploading accounts receivable information and transaction accounts receivable. The inventory finance model may upload contract data, conduct credit checks on financing enterprises (distributors), upload transaction account records, and automatically notify the supervising end to deliver goods. The prepaid finance model may register goods to platforms, conduct credit checks on financing enterprises (retailers), provide bankers’ acceptances, and upload shipping records. By employing smart contracts based on blockchain technology, trust could be increased and information asymmetry and delivery and verification time could be reduced. The results of this study may provide some application methods and serve as a reference for assisting company management personnel in future planning.

摘 要 i
ABSTRACT ii
致謝 iv
表目錄 vii
圖目錄 viii
第一章、緒論 1
第一節、研究背景 1
第二節、研究目的 14
第二章、文獻回顧 16
第一節、情境分析 16
第二節、供應鏈金融 18
第三節、區塊鏈簡介 19
第四節、區塊鏈的應用案例 26
第三章、研究方法 29
第一節、供應鏈金融 29
第二節、解決方案與系統架構 36
第三節、區塊鏈的運用 40
第四章、資料分析 49
第一節、專業經理人訪談 49
第二節、情境分析 55
第五章、結論與建議 62
第一節、結論 62
第二節、建議 64
參考文獻 65
附錄一 69
附錄二 70
附錄三 71
附錄四 72
附錄五 74

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