建構安全性暨高效率的帳款融資機制於供應鏈金融環境

A Secure and Efficient Receivables Finance Model in Supply Chain Finance Environment

資訊科技在商業應用日益普及，企業必須以e 化來強化競爭力，已是無可避免的趨勢。電子化企業正在全世界造成熱潮，不僅已徹底改變了企業經營模式，更強化了供應商與金融機構間的關係。弱勢的中小企業在世界各國經濟發展中扮演著重要的基石，卻因規模小、抵押品不足，導致融資取得不易。為了激活供應鏈的運轉，供應鏈金融（Supply chain finance, SCF）運用大企業的經濟規模優勢，解決中小企業融資不易的問題。本研究導入橢圓曲線密碼體制（Elliptic Curve Cryptography, ECC）技術，利用其快速運算和高困難度的特性，建構應用於供應鏈金融環境的帳款融資機制，除了能提昇帳款融資作業效率外，並能確保交易訊息及數位內容的安全，以營造一個安全有效率的電子化供應鏈金融環境。

The use of information technology services has become increasingly popular withcommercial applications over the past few years. Enterprises need to involve e-businessactivities in their business plans to enhance their competitiveness and realize the benefitsin the increasingly competitive global economy. E-business not only has revolutionizedthe way companies conduct business, but also raises the relationship between buyers,supplier and their banks in the conduct of business processes. Small and medium-sizedenterprises (SMEs) generally play a vital role of economic development, stability andprosperity in many countries. However, due to small size of firm and lack of marketcredibility for the SMEs as suppliers, it is a significant obstacle to obtain access to loansand financing from banks. For the sake of settling the matter, supply chain finance (SCF)yields a set of solutions that optimizes cash flow by allowing buyers to lengthen paymentterms, while also providing bank finances to suppliers to get paid early throughout thesupply chain. Moreover, in order to ensure the security of electronic services, an onlinecollaborative platform in SCF has to provide a highly secure environment for transactionprocessing and information sharing between multiple parties. This paper presents analternative scheme which uses elliptic curve cryptography (ECC) features to yield highersecurity and better performance for receivables finance in a SCF communication platform.Considering cybersecurity risks, we analyze the security scenarios and implement propercountermeasures against growing cyberthreats. Furthermore, our estimation results indicatethat the proposed scheme can achieve excellent performance at significantly smallerparameters. With such an appropriate design, the scheme will certainly lead to moreeffective and efficient safeguards for SCF programmes.