School of Economic, Anyang Normal University, Anyang City, Henan Province, China.
School of Business, Yeungnam University, Gyeongsan, South Korea.
PLoS One. 2021 Feb 5;16(2):e0245964. doi: 10.1371/journal.pone.0245964. eCollection 2021.
Blockchain-based loan system can be summed up as: information exchange between various government departments; information exchange between enterprises and various financial institutions; detection of the actual use of loans in the form of encrypted currency. This technology is supposed to reduce a lot of financing costs for SMEs on average. Therefore, this research extends complexity theory to discover the factors that affect the use of Blockchain loan systems by SMEs. Complexity, perceived risk, perceived fairness and reward sensitivity prove to have significant effects on usage intention. Complexity proves to have moderating effects on other relationships. This research may contribute to the system performance improvement and provide opportunities for SMEs to share information with financial institutions or individuals around the world, thereby providing investors with equal opportunities for competition.
各政府部门之间的信息交换；企业与各种金融机构之间的信息交换；以加密货币形式检测贷款的实际用途。这项技术预计平均可为中小企业减少大量融资成本。因此，本研究扩展了复杂性理论，以发现影响中小企业使用区块链贷款系统的因素。复杂性、感知风险、感知公平和奖励敏感度被证明对使用意图有显著影响。复杂性证明对其他关系具有调节作用。本研究可能有助于提高系统性能，并为中小企业提供与世界各地的金融机构或个人共享信息的机会，从而为投资者提供平等的竞争机会。
