Challenges and Optimization Pathways of Moutai’s Digital Supply Chain Finance Model

In the era of the digital economy, traditional supply chain finance models face challenges such as information fragmentation, inefficient processes, and insufficient credit transmission, necessitating digital transformation. This study focuses on Kweichow Moutai Group, systematically analyzing its innovative practices in supply chain finance and examining the mechanisms through which digital technologies enhance core enterprise credit empowerment, improve supply chain collaboration efficiency, and optimize risk management. The research reveals that Moutai Group has transformed supply chain finance from unilateral credit granting to ecosystem-based credit sharing by establishing an IoT-enabled asset verification platform, developing smart contract-driven bill financing systems, and building a blockchain-based multi-party credit alliance. This model significantly lowers financing barriers for small and medium-sized suppliers while creating new value chain growth points through data assetization strategies. Finally, the study proposes further improvements from the perspectives of technical standardization and adaptive regulatory frameworks.