【摘要】 针对传统供应链金融中存在的企业间信息不对称、信用评估滞后以及融资效率低的问题，提出一种基于区块链的供应链金融优化模型。该模型结合动态信用评估机制、融资成本优化策略与增强型智能合约规则设计，构建可自适应演化的融资决策体系。同时，基于区块链平台记录企业交易行为，实现跨机构数据共享，构建基于企业类型异质性的非线性动态信用评估框架，结合评分结果动态调整融资利率及额度。为了实现信用激励与风险控制，设计智能合约增强机制，根据企业评分、履约率等持续优化融资策略。仿真结果表明，与传统模式相比，所提模型使信用评估准确率由80.5%提高至92.1%,企业平均融资成本由6.7%降至4.9%,所提模型能够提升中小企业融资效率与降低风险管控。更多还原

【Abstract】 To address the issues of asymmetric information between enterprises, lagging credit evaluation, and low financing efficiency in traditional supply chain finance, an optimized supply chain finance model based on blockchain technology is proposed. It integrates a dynamic credit evaluation mechanism, a financing cost optimization strategy, and an enhanced smart contract design to establish an adaptive and evolvable financing decision-making system. At the same time, based on the blockchain platforms to record enterprise transaction behaviors, cross-institutional data sharing is achieved, and a non-linear dynamic credit evaluation framework based on enterprise heterogeneity is constructed. The financing interest rate and amount are dynamically adjusted according to the scoring results. To achieve credit-based incentives and risk control, an enhanced smart contract mechanism is introduced to continuously optimize financing strategies based on credit scores, contract fulfillment rates, and other factors. Simulation results demonstrate that compared with traditional models, the proposed approach improves the credit evaluation accuracy from 80.5% to 92.1%, and reduces the average financing cost for enterprises from 6.7% to 4.9%. It can increase the financing efficiency and decrease the management risk for small and medium-sized enterprises.更多还原