| Summary: | 碩士 === 淡江大學 === 財務金融學系碩士在職專班 === 106 === In Taiwan, commercial banks have been operating factoring business for many years. However, in recent years such business has been nearly suspended. The main reason is not only because of the difficulties in identifying the reality of transactions, but also the operating costs of doing such business remain high. In addition, most of corporations in Taiwan are SMEs, which would provide insufficient collateral.
This study aims to build a technology platform for Factoring, which utilizes the four characteristics of the basics technology of blockchain-Distributed Ledger Technology, Smart Contract, Encryption, Consensus Plugin- to solve the facts of excessive risks and cost-effectiveness of commercial banks in factoring business over the years.
This technology platform is expected to bring a high-quality interactive environment that prevents tampering, information sharing, and build trust beyond participants. Every participant involved in the transactions could complete signing of loan contracts, asset guarantees and transfers, interest calculations, etc., by utilizing this technology platform.
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