With the continuous development of core enterprise-led supply chain collaboration, accounts receivable financing has become a major means of solving the liquidity problems of SMEs. However, traditional supply chain finance still suffers from many problems, such as inadequate credit identification, difficulty in determining the authenticity of transactions, insufficient process traceability, and difficulty in tracking risks. This article uses blockchain traceable ledgers and smart contract mechanisms as the main technical framework, and constructs an analytical framework of "data on-chain -credit penetration - process verification - dynamic early warning - collaborative handling" using the logic of supply chain finance risk management. After systematically reviewing English literature from recent years, and based on global trade finance gaps and blockchain supply chain finance market data, this paper analyzes the realistic driving factors, mechanisms, and implementation obstacles of embedding blockchain into credit risk governance. An evaluation model is established based on default probability, expected loss, transparency index, and comprehensive risk value, and a multi-level governance strategy for accounts receivable financing is proposed. Blockchain is not merely a tool for information recording; it is an institutional infrastructure for credit confirmation, transaction verification, risk sharing, and process constraints. Only when used in conjunction with smart contracts, external data interfaces, regulatory rules, and tiered authorization mechanisms can adverse selection and operational risks be reduced, and the goal of credit risk management be achieved while ensuring that risk management can be verified, calculated, and traced.

Zhiyu He. Research on Credit Risk Management in Supply Chain Finance Based on Blockchain Traceable Ledgers and Smart Contracts—Focusing on Accounts Receivable Financing Scenarios. Socio-Economic Statistics Research (2026), Vol. 7, Issue 1: 58-66. https://doi.org/10.38007/SESR.2026.070107.

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