CN109102176A - A kind of trade finance appraisal procedure and device based on block chain - Google Patents
A kind of trade finance appraisal procedure and device based on block chain Download PDFInfo
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- CN109102176A CN109102176A CN201810832909.1A CN201810832909A CN109102176A CN 109102176 A CN109102176 A CN 109102176A CN 201810832909 A CN201810832909 A CN 201810832909A CN 109102176 A CN109102176 A CN 109102176A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The present invention provides a kind of trade finance appraisal procedures and device based on block chain, applied to block chain network, the block chain network is connected with and the trade finance assessment corresponding requesting party's business platform of the requesting party and corresponding related service platform of trading organization related with evaluated side's respectively, the described method includes: receiving the trade finance assessment request that requesting party's business platform is sent, include evaluated side's mark in the trade finance assessment request；The trade related data for determining that related service platform corresponding to the related trading organization of the evaluated side uploads is identified according to the evaluated side；The assessment index of the evaluated side is assessed based on the trade related data, and the assessment index is returned into requesting party's business platform.Reach the feature shared using data transparency on block chain, get the trade related data of related service platform automatically, improves assessment efficiency, shorten the technical effect of assessment time, the complexity for reducing processing cost and operation flow.
Description
Technical field
The present invention relates to block chain technical field, more particularly, to a kind of trade finance appraisal procedure based on block chain and
Device.
Background technique
International trade credit refers to that one is cut to development or supports international trade and the various credit movements that carry out, including disengaging
Mouth quotient is to reach trade and the fund carried out or commodity credit activity, bank and other financial institutions and government organs each other
Or it is to support trade that international financial institution, which is fund credit movement, bank and other financial institutions for supporting international trade and carrying out,
Credit and the credit underwriting or circulation activity that carry out and various governmental agencies or bank etc. are to support this country outlet and carry out
Export credit insurance activity etc..
It in practical applications, is to be determined international by international trade financial institution by modes such as manual research statistical estimations
Trade credit amount, such as: commodity import & export quantity whithin a period of time and Trade balance by counting A international trade enterprise
Deng being determined as the international trade line of credit etc. of international trade enterprise offer, however, international trade financial institution is carrying out people
When the work such as work investigation statistics assessment, needs to take a substantial amount of time energy and collect the data of international trade enterprise and commented
Estimate, efficiency is very low.
Summary of the invention
In view of this, the purpose of the present invention is to provide trade finance appraisal procedure and device based on block chain, with slow
International trade financial institution existing in the prior art is solved when carrying out the work such as manual research statistical estimation, needs to expend a large amount of
Time energy collect international trade enterprise data and assessed, the very low technical problem of efficiency.
In a first aspect, being applied to area the embodiment of the invention provides a kind of trade finance appraisal procedure based on block chain
Block chain network, the block chain network respectively and with the trade finance corresponding requesting party's business platform of assessment requesting party and with commented
The corresponding related service platform connection of the related trading organization for the side of estimating, which comprises
The trade finance assessment request that requesting party's business platform is sent is received, is wrapped in the trade finance assessment request
It is identified containing evaluated side；
It is identified according to the evaluated side determining flat to the corresponding related service of related trading organization of the evaluated side
The trade related data that platform uploads；
The assessment index of the evaluated side is assessed based on the trade related data, and the assessment index is returned to
Requesting party's business platform.
With reference to first aspect, the embodiment of the invention provides the first possible embodiments of first aspect, wherein root
The trade for determining that related service platform corresponding to the related trading organization of the evaluated side uploads is identified according to the evaluated side
Easy related data, comprising:
Trade supply chain corresponding with evaluated side's mark is searched in preset supply chain library；
Obtain related service platform corresponding to each node in the trade supply chain；
Obtain the trade related data that each related service platform uploads.
With reference to first aspect, the embodiment of the invention provides the first possible embodiments of first aspect, wherein institute
State the assessment index that the evaluated side is assessed based on the trade related data, comprising:
The trade related data is inputted in the trained Random Forest model comprising multiple decision trees in advance, it is described
The trade related data is input to each decision tree by Random Forest model, and counting each decision tree is respectively the trade
The classification results that easy related data is classified, obtain assessment index.
With reference to first aspect, the embodiment of the invention provides second of possible embodiments of first aspect, wherein institute
Stating and counting each decision tree is respectively the classification results that the trade related data is classified, and obtains assessment index, comprising:
Count the classification results of multiple decision trees；
Assessment index corresponding to the most classification of classification in classification results, will be divided into and be determined as the assessment index.
With reference to first aspect, the embodiment of the invention provides the third possible embodiments of first aspect, wherein institute
State more decision trees in random forest be it is unrelated, the classification that different assessment index are corresponded in every decision tree is not phase
It is associated.
Second aspect, the embodiment of the present invention also provide a kind of trade finance assessment device based on block chain, are applied to area
Block chain network, the block chain network respectively and with the trade finance corresponding requesting party's business platform of assessment requesting party and with commented
The corresponding related service platform connection of the related trading organization for the side of estimating, described device include:
Receiving module, the trade finance assessment request sent for receiving requesting party's business platform, the trade gold
Melt in assessment request comprising evaluated side's mark；
Determining module, it is corresponding to the related trading organization of the evaluated side for identifying determination according to the evaluated side
Related service platform upload trade related data；
Evaluation module, for assessing the assessment index of the evaluated side based on the trade related data, and will be described
Assessment index returns to requesting party's business platform.
In conjunction with second aspect, the embodiment of the invention provides the first possible embodiments of second aspect, wherein institute
State determining module, comprising:
Searching unit, for searching trade supply corresponding with evaluated side's mark in preset supply chain library
Chain；
First acquisition unit, for obtaining related service platform corresponding to each node in the trade supply chain；
Second acquisition unit, the trade related data uploaded for obtaining each related service platform.
In conjunction with second aspect, the embodiment of the invention provides second of possible embodiments of second aspect, wherein institute
Evaluation module is stated, is also used to:
The trade related data is inputted in the trained Random Forest model comprising multiple decision trees in advance, it is described
The trade related data is input to each decision tree by Random Forest model, and counting each decision tree is respectively the trade
The classification results that easy related data is classified, obtain assessment index.
The third aspect, the embodiment of the present invention also provide a kind of electronic equipment, including memory, processor, the memory
In be stored with the computer program that can be run on the processor, the processor is realized when executing the computer program
The step of stating first aspect described in any item methods.
Fourth aspect, the embodiment of the present invention also provide a kind of meter of non-volatile program code that can be performed with processor
Calculation machine readable medium, said program code make the processor execute method described in the first aspect.
The embodiment of the present invention bring it is following the utility model has the advantages that the embodiment of the present invention by make the block chain network respectively and
And trade finance assesses the corresponding correlation of the corresponding requesting party's business platform of requesting party and trading organization related with evaluated side's
Business platform connection, enables block chain network and requesting party's business platform and related service platform to share information, moreover, logical
It crosses and receives requesting comprising the evaluated trade finance assessment just identified for requesting party's business platform transmission, it can be according to described
Evaluated side's mark determines that the trade that related service platform corresponding to the related trading organization of the evaluated side uploads is related
Data；And then the assessment index of the evaluated side can be assessed based on the trade related data, and by the assessment index
Return to requesting party's business platform, so convenient for trade finance assessment requesting party according to the assessment index to described
Evaluated side provides financial service.The finance assessment requesting party feature shared using data transparency on block chain, gets automatically
The trade related data of related service platform no longer needs to expend the audits assessments such as a large amount of resource progress manual research statistical estimation
Work improves assessment efficiency, the complexity for shortening the assessment time, reducing processing cost and operation flow.
Other features and advantages of the present invention will illustrate in the following description, also, partly become from specification
It obtains it is clear that understand through the implementation of the invention.The objectives and other advantages of the invention are in specification, claims
And specifically noted structure is achieved and obtained in attached drawing.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, preferred embodiment is cited below particularly, and cooperate
Appended attached drawing, is described in detail below.
Detailed description of the invention
It, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical solution in the prior art
Embodiment or attached drawing needed to be used in the description of the prior art be briefly described, it should be apparent that, it is described below
Attached drawing is some embodiments of the present invention, for those of ordinary skill in the art, before not making the creative labor
It puts, is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of structural schematic diagram of the trade finance assessment system based on block chain provided in an embodiment of the present invention；
Fig. 2 is a kind of flow diagram of the trade finance appraisal procedure based on block chain provided in an embodiment of the present invention；
Fig. 3 is the flow chart of step S102 in Fig. 2；
Fig. 4 is the structural schematic diagram that a kind of trade finance based on block chain provided in an embodiment of the present invention assesses device.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with attached drawing to the present invention
Technical solution be clearly and completely described, it is clear that described embodiments are some of the embodiments of the present invention, rather than
Whole embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art are not making creative work premise
Under every other embodiment obtained, shall fall within the protection scope of the present invention.
It at present in practical applications, is to be determined by international trade financial institution by modes such as manual research statistical estimations
International trade line of credit, such as: commodity import & export quantity whithin a period of time and trade by counting A international trade enterprise
Revenue and expenditure etc. is determined as the international trade line of credit etc. of international trade enterprise offer, however, international trade financial institution into
When the work such as pedestrian's work investigation statistics assessment, need to take a substantial amount of time data and progress that energy collects international trade enterprise
Assessment, efficiency are very low.Based on this, a kind of trade finance appraisal procedure based on block chain provided in an embodiment of the present invention,
Device and system, can be by making the block chain network respectively and requesting party's industry corresponding with trade finance assessment requesting party
Be engaged in the corresponding related service platform connection of platform and trading organization related to evaluated side's, enable block chain network with ask
The side's of asking business platform and related service platform to share information, moreover, including by receive requesting party's business platform transmission
The evaluated trade finance assessment request just identified, can identify the determining phase with the evaluated side according to the evaluated side
Close the trade related data that the corresponding related service platform of trading organization uploads；And then it can be commented based on the trade related data
Estimate the assessment index of the evaluated side, and the assessment index is returned into requesting party's business platform, and then be convenient for institute
It states trade finance assessment requesting party and provides financial service to the evaluated side according to the assessment index.Finance assessment requesting party
The feature shared using data transparency on block chain, is got the trade related data of related service platform automatically, no longer needs to consume
Take a large amount of resource and carry out the audit evaluation work such as manual research statistical estimation, improves assessment efficiency, shorten the assessment time, reduce
The complexity of processing cost and operation flow.
For convenient for understanding the present embodiment, first to a kind of trade based on block chain disclosed in the embodiment of the present invention
Easily finance appraisal procedure describes in detail, as shown in Figure 1, the trade finance appraisal procedure based on block chain, is applied to
Block chain network 11, the block chain network 11 respectively and with the corresponding requesting party's business platform of trade finance assessment requesting party 12
It 13 and is connected to the corresponding related service platform 16 of related trading organization 15 of evaluated side 14, as shown in Fig. 2, the method can
With the following steps are included:
Step S101, receives the trade finance assessment request that requesting party's business platform is sent, and the trade finance is commented
Estimate in request comprising evaluated side's mark；
In embodiments of the present invention, evaluated side's mark can be the title of evaluated side or code etc..Due to
Block chain network is connect with requesting party's business platform, it is possible to receive the trade finance assessment of requesting party's business platform transmission
Request.
Step S102 identifies determination and the corresponding phase of related trading organization of the evaluated side according to the evaluated side
Close the trade related data that business platform uploads；
In embodiments of the present invention, the trade related data is after related trading platform is digitally signed according to pre-
If what intelligent contract uploaded, since trade related data passes through digital signature, the trade related data can not be tampered, have
Non-repudiation characteristic.
The related trading organization for being evaluated side can refer to comprising being located at evaluated in the evaluated trade supply chain just identified
The related service of side mark upstream or downstream and (namely there are trade finance relationships) adjacent with A in the trade supply chain
Platform is illustratively X-Y-Z-A-B-C-D- comprising the evaluated trade supply chain just identified if evaluated side is identified as A
E, then the upstream Z and downstream B of A is related service platform, and in practical applications, the structure of trade supply chain may be more complicated, A
It can be in addition to there are other than trade finance relationship, also there are trade finance relationships with M etc., and at this moment, M is also flat for related service with Z and B
Platform.
As shown in figure 3, the step S101 may comprise steps of.
Step S201 searches trade supply chain corresponding with evaluated side's mark in preset supply chain library；
It in embodiments of the present invention, may include multiple trade supply chains in preset supply chain library, in practical applications,
Multiple business platforms can be ranked up according to its function of corresponding supply chain node in international trade supply chain
Form freight supply chain.
Step S202 obtains related service platform corresponding to each node in the trade supply chain；
Step S203 obtains the trade related data that each related service platform uploads.
In embodiments of the present invention, trade related data can be import & export quantity, quantity in stock and profit and loss information etc., the phase
Block link network can be uploaded to for trade related data when receiving or generating trade related data every time by closing business platform
Network, so as to the use of block chain network.
Step S103, assesses the assessment index of the evaluated side based on the trade related data, and by the assessment
Index returns to requesting party's business platform.
In this step, the trade related data can be inputted trained in advance random comprising multiple decision trees
In forest model, the trade related data is input to each decision tree by the Random Forest model, is counted each and is determined
Plan tree is respectively the classification results that the trade related data is classified, and obtains assessment index.
In embodiments of the present invention, more decision trees in the random forest are unrelated, in every decision tree
The classification of corresponding different assessment index is unrelated.
Described each decision tree of statistics is respectively the classification results that the trade related data is classified, and is assessed
Index may include: the classification results for counting multiple decision trees；It in classification results, will be divided into corresponding to the most classification of classification
Assessment index be determined as the assessment index.
In embodiments of the present invention, decision tree can be advance with training sample training after generate, in training complete one
After a decision tree, the other decision trees of other training samples training can be continued with, random forest is finally obtained.
The embodiment of the present invention is by making the block chain network respectively and request corresponding with trade finance assessment requesting party
The corresponding related service platform connection of square business platform and trading organization related to evaluated side's, enables block chain network
With requesting party's business platform and related service platform to share information, receive what requesting party's business platform was sent moreover, passing through
Comprising the evaluated trade finance assessment request just identified, determination and the evaluated side can be identified according to the evaluated side
The trade related data that uploads of the corresponding related service platform of related trading organization；And then the trade dependency number can be based on
According to the assessment index of the assessment evaluated side, and the assessment index is returned into requesting party's business platform, Jin Erbian
Financial service is provided to the evaluated side according to the assessment index in trade finance assessment requesting party.Finance assessment is asked
The side's of asking feature shared using data transparency on block chain, gets the trade related data of related service platform automatically, is not necessarily to
A large amount of resource is expended again and carries out the audit evaluation work such as manual research statistical estimation, is improved and is assessed efficiency, the shortening assessment time,
Reduce the complexity of processing cost and operation flow.
Reliable trade finance mechanism, such as selection is selected to adapt to the guarantor of self-demand in order to facilitate international trade enterprise
Dangerous company etc., in another embodiment of the present invention, the trade finance assessment requesting party can refer to international trade enterprise；It is described
Related trading organization includes: the related trading organization of the international financial institution, and the evaluated side includes: trade finance machine
Structure；Illustratively, the trade finance appraisal procedure based on block chain may comprise steps of:
What block chain network received the corresponding requesting party's business platform transmission of international trading enterprise includes evaluated side's mark
Trade finance assessment request is evaluated the mark that side's mark is trade finance mechanism, and block chain network is according to described evaluated
Side's mark determines the trade related data that related service platform corresponding to the related trading organization of the evaluated side uploads；Area
Block chain network assesses the assessment index of the evaluated side based on the trade related data, and the assessment index is returned to
The corresponding requesting party's business platform of the international trade enterprise.
Trade compatible with international trade enterprise can be provided for international trade enterprise in order to facilitate trade finance mechanism
Financial service, for example, the amount of the loan etc. that the determining loan repayment capacity with international trade enterprise matches, in another reality of the invention
It applies in example, the trade finance assessment requesting party can refer to trade finance mechanism；The correlation trading organization includes: the world
The related trading organization of trading enterprise, for example, once handling the related trading organization etc. of credit operation, institute in the trade finance mechanism
Stating evaluated side includes: international trade enterprise；Illustratively, the trade finance appraisal procedure based on block chain may include
Following steps:
What block chain network received requesting party's business platform transmission corresponding with trade finance mechanism includes evaluated side's mark
Know trade finance assessment request, be evaluated the mark that side's mark is international trade enterprise, block chain network is commented according to described
The side's of estimating mark determines the trade related data that related service platform corresponding to the related trading organization of the evaluated side uploads；
Block chain network assesses the assessment index of the evaluated side based on the trade related data, and the assessment index is returned
Give the trade finance mechanism corresponding requesting party's business platform.
As shown in figure 4, also providing a kind of trade finance assessment device based on block chain, it is applied to block chain network, institute
State block chain network respectively and to the trade finance corresponding requesting party's business platform of assessment requesting party and related with evaluated side
The corresponding related service platform connection of trading organization, described device include:
Receiving module 21, the trade finance assessment request sent for receiving requesting party's business platform, the trade
Include evaluated side's mark in finance assessment request；
Determining module 22, for identifying determination and the related trading organization pair of the evaluated side according to the evaluated side
The trade related data that the related service platform answered uploads；
Evaluation module 23, for assessing the assessment index of the evaluated side based on the trade related data, and by institute
It states assessment index and returns to requesting party's business platform.
The technical effect and preceding method embodiment phase of device provided by the embodiment of the present invention, realization principle and generation
Together, to briefly describe, Installation practice part does not refer to place, can refer to corresponding contents in preceding method embodiment.
In another embodiment of the present invention, the determining module, comprising:
Searching unit, for searching trade supply corresponding with evaluated side's mark in preset supply chain library
Chain；
First acquisition unit, for obtaining related service platform corresponding to each node in the trade supply chain；
Second acquisition unit, the trade related data uploaded for obtaining each related service platform.
In another embodiment of the present invention, the evaluation module is also used to:
The trade related data is inputted in the trained Random Forest model comprising multiple decision trees in advance, it is described
The trade related data is input to each decision tree by Random Forest model, and counting each decision tree is respectively the trade
The classification results that easy related data is classified, obtain assessment index.
In another embodiment of the present invention, also offer a kind of electronic equipment, including memory, processor, the storage
The computer program that can be run on the processor is stored in device, the processor is realized when executing the computer program
The step of method described in above method embodiment.
In another embodiment of the present invention, a kind of non-volatile program code that can be performed with processor is also provided
Computer-readable medium, said program code make the processor execute method described in the method embodiment.
The computer program product of trade finance appraisal procedure based on block chain provided by the embodiment of the present invention, including
The computer readable storage medium of program code is stored, the instruction that said program code includes can be used for executing previous methods reality
Method described in example is applied, specific implementation can be found in embodiment of the method, and details are not described herein.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description
It with the specific work process of device, can refer to corresponding processes in the foregoing method embodiment, details are not described herein.
In addition, in the description of the embodiment of the present invention unless specifically defined or limited otherwise, term " installation ", " phase
Even ", " connection " shall be understood in a broad sense, for example, it may be being fixedly connected, may be a detachable connection, or be integrally connected；It can
To be mechanical connection, it is also possible to be electrically connected；It can be directly connected, can also can be indirectly connected through an intermediary
Connection inside two elements.For the ordinary skill in the art, above-mentioned term can be understood at this with concrete condition
Concrete meaning in invention.
It, can be with if the function is realized in the form of SFU software functional unit and when sold or used as an independent product
It is stored in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially in other words
The part of the part that contributes to existing technology or the technical solution can be embodied in the form of software products, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be a
People's computer, server or network equipment etc.) it performs all or part of the steps of the method described in the various embodiments of the present invention.
And storage medium above-mentioned includes: that USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), arbitrary access are deposited
The various media that can store program code such as reservoir (RAM, Random Access Memory), magnetic or disk.
In the description of the present invention, it should be noted that term " center ", "upper", "lower", "left", "right", "vertical",
The orientation or positional relationship of the instructions such as "horizontal", "inner", "outside" be based on the orientation or positional relationship shown in the drawings, merely to
Convenient for description the present invention and simplify description, rather than the device or element of indication or suggestion meaning must have a particular orientation,
It is constructed and operated in a specific orientation, therefore is not considered as limiting the invention.In addition, term " first ", " second ",
" third " is used for descriptive purposes only and cannot be understood as indicating or suggesting relative importance.
Finally, it should be noted that embodiment described above, only a specific embodiment of the invention, to illustrate the present invention
Technical solution, rather than its limitations, scope of protection of the present invention is not limited thereto, although with reference to the foregoing embodiments to this hair
It is bright to be described in detail, those skilled in the art should understand that: anyone skilled in the art
In the technical scope disclosed by the present invention, it can still modify to technical solution documented by previous embodiment or can be light
It is readily conceivable that variation or equivalent replacement of some of the technical features；And these modifications, variation or replacement, do not make
The essence of corresponding technical solution is detached from the spirit and scope of technical solution of the embodiment of the present invention, should all cover in protection of the invention
Within the scope of.Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. a kind of trade finance appraisal procedure based on block chain, which is characterized in that be applied to block chain network, the block chain
Network assesses the corresponding requesting party's business platform of requesting party and the related trading organization with evaluated side's respectively and to trade finance
Corresponding related service platform connection, which comprises
The trade finance assessment request that requesting party's business platform is sent is received, includes quilt in the trade finance assessment request
Assessment side's mark；
It is identified and is determined on related service platform corresponding to the related trading organization of the evaluated side according to the evaluated side
The trade related data of biography；
It assesses the assessment index of the evaluated side based on the trade related data, and the assessment index is returned to described
Requesting party's business platform.
2. the trade finance appraisal procedure according to claim 1 based on block chain, which is characterized in that commented according to described
The side's of estimating mark determines the trade related data that related service platform corresponding to the related trading organization of the evaluated side uploads,
Include:
Trade supply chain corresponding with evaluated side's mark is searched in preset supply chain library；
Obtain related service platform corresponding to each node in the trade supply chain；
Obtain the trade related data that each related service platform uploads.
3. the trade finance appraisal procedure according to claim 1 based on block chain, which is characterized in that described based on described
Trade related data assesses the assessment index of the evaluated side, comprising:
The trade related data is inputted in the trained Random Forest model comprising multiple decision trees in advance, it is described random
The trade related data is input to each decision tree by forest model, and counting each decision tree is respectively the trade phase
The classification results that data are classified are closed, assessment index is obtained.
4. the trade finance appraisal procedure according to claim 3 based on block chain, which is characterized in that the statistics is each
A decision tree is respectively the classification results that the trade related data is classified, and obtains assessment index, comprising:
Count the classification results of multiple decision trees；
Assessment index corresponding to the most classification of classification in classification results, will be divided into and be determined as the assessment index.
5. the trade finance appraisal procedure according to claim 3 based on block chain, which is characterized in that the random forest
In more decision trees be it is unrelated, it is unrelated that the classification of different assessment index is corresponded in every decision tree.
6. a kind of trade finance based on block chain assesses device, which is characterized in that be applied to block chain network, the block chain
Network assesses the corresponding requesting party's business platform of requesting party and the related trading organization with evaluated side's respectively and to trade finance
Corresponding related service platform connection, described device include:
Receiving module, the trade finance assessment request sent for receiving requesting party's business platform, the trade finance are commented
Estimate in request comprising evaluated side's mark；
Determining module, for identifying determination and the corresponding phase of related trading organization of the evaluated side according to the evaluated side
Close the trade related data that business platform uploads；
Evaluation module, for assessing the assessment index of the evaluated side based on the trade related data, and by the assessment
Index returns to requesting party's business platform.
7. the trade finance according to claim 6 based on block chain assesses device, which is characterized in that the determining mould
Block, comprising:
Searching unit, for searching trade supply chain corresponding with evaluated side's mark in preset supply chain library；
First acquisition unit, for obtaining related service platform corresponding to each node in the trade supply chain；
Second acquisition unit, the trade related data uploaded for obtaining each related service platform.
8. the trade finance according to claim 6 based on block chain assesses device, which is characterized in that the assessment mould
Block is also used to:
The trade related data is inputted in the trained Random Forest model comprising multiple decision trees in advance, it is described random
The trade related data is input to each decision tree by forest model, and counting each decision tree is respectively the trade phase
The classification results that data are classified are closed, assessment index is obtained.
9. a kind of electronic equipment, including memory, processor, be stored in the memory to run on the processor
Computer program, which is characterized in that the processor realizes that the claims 1 to 5 are any when executing the computer program
The step of method described in item.
10. a kind of computer-readable medium for the non-volatile program code that can be performed with processor, which is characterized in that described
Program code makes the processor execute described any the method for claim 1-5.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110070432A (en) * | 2019-03-15 | 2019-07-30 | 深圳壹账通智能科技有限公司 | Supply chain finance evaluation method, device, storage medium and terminal |
| CN111144884A (en) * | 2019-12-16 | 2020-05-12 | 湖南大学 | Method and storage medium for import deposit and remittance under credit item based on block chain |
| CN111222996A (en) * | 2019-12-31 | 2020-06-02 | 湖南大学 | Method and storage medium for financing trade insurance based on block chain |
| CN111754345A (en) * | 2020-06-18 | 2020-10-09 | 天津理工大学 | Bit currency address classification method based on improved random forest |
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