CN109615510A - A kind of supply chain finance based on block chain is multistage to increase letter method - Google Patents
A kind of supply chain finance based on block chain is multistage to increase letter method Download PDFInfo
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- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 3
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Abstract
The multistage increasing letter method of supply chain finance based on block chain that the invention discloses a kind of, which comprises the steps of: S1, the block chain business service platform for building supply chain financial service alliance chain；S2, different node book keeping operation permissions is divided；S3, obtain core enterprise accounts receivable relevant information；S4, it is based on intelligent contract technology, credits voucher is generated according to accounts receivable；S5, credits voucher owner by credits voucher to financial institution finance, or payment upstream supplier's accounts payable；After S6, accounts receivable time expire, intelligent contract will be triggered, and be automatically performed transferring accounts for fixed route.The present invention constructs the supply chain finance faith mechanism for not needing each side's trust, and information can be shared safely, and transaction funds on account can be with free transaction.The concept of credits voucher is proposed simultaneously, increases the financing credit of multistage supplier.The present invention passes through intelligent contract solidification payment path, so that the available control of risk.
Description
Technical field
The present invention relates to supply chain financial technology fields, more specifically to a kind of supply chain gold based on block chain
Melt multistage increasing letter method.
Background technique
Supply chain finance is a kind of financing method for serving upstream and downstream supplier, supply chain core enterprise, traditional supply
Chain finance utilizes the credit advantage of core enterprise, using core enterprise and the undue transaction funds on account of supplier as foundation, in help
Downstream has the supplier of financing difficulty to apply financing to financial institution, raw material needed for trading for purchase with core enterprise.When
After transaction funds on account expire, supplier pays corresponding funds on account to financial institution as agreed, completes entire finance process.Supply chain gold
Melt using financial institution to the trust of core enterprise, introduces new financing method, help to vitalize the cash flow in supply chain, make
Supply chain operative mechanism is more coordinated smooth.
Block chain passes through distributed account book technology, asymmetric encryption techniques, common recognition technology, realizes that the traceable of data is not easy
It distorts, safety can be shared, the trust ecosphere of building mistrustful node completely.Block chain combination intelligence contract technology, being can
With what is designed, can program, it is based on block chain underlying platform, the contract mould that the intelligent settable each node of contract technology is approved jointly
Plate solidifies mode of doing business, transaction path and transaction amount etc. in block chain network.
In traditional supply chain financial scenario, since financial institution is based on the transaction funds on account of core enterprise, supply chain
Financial service can only sub-fraction supplier in service provision Chain System, a large amount of two, three, level Four supplier be smaller enterprise
Industry goes to maintain oneself operation ability in supply chain with greater need for financing.Medium-sized and small enterprises are limited by the management condition of oneself, supply
Quotient can not prove the repaying ability of oneself, can not obtain relatively good credit grading, be difficult to directly obtain confession by financial institution
Chain finance is answered to finance.Other than the qualification of enterprise, credit, whether necessary being is also supply chain financial providers for transaction itself
It focuses on and concern.It acts in collusion between enterprise in order to prevent, distorts Transaction Information, financial institution generally will not be straight
The information that enterprise's offer is provided is connect, thus needs to put into the authenticity of additional manpower and material resources check information, to increase wind
Control cost.Payment and clearing between supplier and buyer, between financier and financial institution are limited to each contract for participating in main body
About spirit and wish of honouring an agreement, when more particularly, to multistage supplier clearing, easily appearance is diverted, malice is broken a contract or operational risk.
Relational language is explained:
Supply chain finance: supply chain finance is a kind of financier for serving upstream and downstream supplier, supply chain core enterprise
The mode of formula, supply chain finance is generally known as " 1+N ", and bank supports according to the credit of core enterprise " 1 ", to complete to a crowd
The financing credit of medium and small minuscule-type-enterprise " N " is supported.
A kind of a kind of block chain: chained record for being sequentially in time combined into data block in such a way that sequence is connected
Structure, and the distributed account book that can not be distorted He can not forge guaranteed in a manner of cryptography.
Distributed account book: digitlization storage record, distribution are carried out to ownership using database technology different from traditional
Formula account book is that identical account book copy is stored between the different nodes of point to point network, remove central administrator role or in
Data are entreated to store link, and each transaction in account book passes through common recognition process and realizes credible and can not change.
Common recognition: a kind of of block chain use establishes the base of trusting relationship without mutually recognizing and being not necessarily among the participants
On plinth, by having the node of common recognition permission to complete identification and verification process to Transaction Information.The transaction passed through only know together
Block can be written into and stored into block chain.
Alliance's chain: alliance's chain is that relatively publicly-owned chain goes to center completely, and not for by any mechanism control, alliance's chain is
The block chain of multicenter, multimachine structure co- controlling.It could be accessed by authorization, the general common recognition proved using inoperative amount is calculated
Method has good scalability to improve the speed of trading processing.The feature of alliance's chain is suitable for enterprise-level application.
Node: the server or system or PC of preservation block chain account book copy can be applied according to actual needs not
Same permission, thus serve as the different role of block generating process, for example send transaction, verifying transaction etc..
Intelligent contract: intelligent contract (SmartContract) is the contract code operated on block chain, has become area
Block chain applies indispensable part.Intelligent contract is exactly the execution for promoting contract by agreement and user interface, it is me
In internet formed safety, digitlization relationship key.Intelligent contract need are with uniformity, observability, can verify that
Property, self forcing property and access control the features such as.
Block chain provides a kind of decentralization, establishes normal form without trusting the credit of accumulation, and distributed account book is encrypted and awarded
Power, common recognition mechanism, the four big technological innovations that intelligent contract is block chain.Block chain is used in the applicable cases in supply chain finance such as
Under.
By the way that existing paper and patent are retrieved, compared and are analyzed, the relatively high technology of degree related to the present invention
There are three information:
Prior art scheme 1: Patent No. CN108229981A " a kind of supply chain finance based on block chain anti-fake is traced back
Source method " patent application publication, belong to supply chain finance block chain application field more particularly to a kind of block chain is being supplied
Source tracing method in chain.A kind of anti-fake source tracing method of supply chain finance based on block chain of the Invention Announce, this method utilize
The decentralization of block chain without third party's belief system and has the advantages that multiple encryption algorithms, passes through in supply chain finance
Intelligent contract is come the shortcomings that realizing, can well solve traditional anti-fake source tracing method.The invention itself can not by block chain
The characteristic distorted, all treaty contents, the state including cargo can be clearly found, and solve the anti-fake side of tracing to the source of tradition
Method needs papery voucher to deliver, needs third party guarantees or certifying authority, Financing difficulty are big, practice fraud there may be deception etc.
Disadvantage；The invention simultaneously realizes the contract engagement of both parties, logistics supervision and finance by intelligent contract and assesses, due to
All contracts are completed in systems, so being not necessarily to papery contract, are reduced elaborate formalities, are accelerated process.But it is existing
The supply chain finance traceability system based on block chain that technical solution 1 constructs, for logistics information authenticity in supply chain finance
Verifying and with no paper contract have carried out effort, do not account for intelligent contract solidification transaction path, supplier disobeys when reduction is honoured an agreement
The factors such as about, and logistics information traceability system is just for the supply chain financial models of the cargo transaction based on entity, to non-goods and materials
There is limitation in the supply chain finance of class.
Prior art scheme 2: Patent No. CN107451780A is entitled " flat based on block chain technology and logistics information
The supply chain finance implementation method of platform " patent application publication, belong to the supply chain financial technology field of logistics information, especially
It is related to the supply chain finance implementation method of a kind of block chain technology and Logistics Information Platform.The invention includes using ether mill area
Block chain intelligence contract platform is as bottom architecture；Building serve the manufacturing side of material flow industry, loglstics enterprise end, logistics platform+
The application platform of bank's chain and client.The characteristics of invention is by using block chain technology, allow it is inter-trade, across industry, transregional
The both sides of supply and demand in domain realize more effective, more suitably matching by the connection of Logistics Information Platform；It is closed by the intelligence of block chain
About technology realizes the automation of logistics finance and supply chain finance, improves operating efficiency, and reduced operation cost is realized more
Precisely, timely fund flow activity.But the supply chain financial platform based on block chain that prior art scheme 2 constructs, needle
Connection to Logistics Information Platform solves only the communication of logistics information flow, and there is no the reality for considering that supply chain finance faces
Fund flow problem, can only be used as the reference platform of a supply chain financial service in reality, and supply chain financial business is actually not
Transaction execution can be carried out on platform.
Prior art scheme 3: Patent No. CN107194801A, entitled " the supply chain finance based on block chain with sovereign right
Block chain application method " patent application publication, belong to block chain with sovereign right field, more particularly to a kind of based on block with sovereign right
The method of the supply chain finance block chain application of chain technology, the invention are related to block chain especially block chain with sovereign right field, solve
Supply chain financing rate is low, supply chain can not efficiently play the effect of its credit, supply chain financial eco-environment circle cooperative development is restricted
The problem of.The application is based on block chain technology with sovereign right, builds the block chain application platform suitable for China's supply chain finance, is promoted
The safety of supply chain financial application, trackability, build up mutual trust, and reduce transaction cost, promote each node of whole supply chain and produce
Energy and fund utilization rate, and supervisory node is provided for regulatory agency, it exercises supervision to supply chain finance whole process link.Existing skill
The supply chain finance block chain application method based on block chain with sovereign right that art scheme 3 constructs, really introduces enterprise by big data
True reference registration, promotes the automatic credit of platform, does not account for medium-sized and small enterprises reference deficiency itself, will lead to automatic credit failure
The case where.
Summary of the invention
The present invention to solve the above-mentioned problems, proposes that a kind of supply chain finance based on block chain is multistage and increases letter method, solution
Traditional supply chain finance of having determined is difficult to assess there are business solvency, itself authenticity of trading is difficult to verify, and information is mutually cut
It splits, can not share, the problems such as risk of honouring an agreement can not be controlled effectively.
In order to achieve the above object, the present invention provides a kind of multistage increasing letter side of supply chain finance based on block chain
Method includes the following steps:
S1, it is based on block chain technology, building can be achieved by core enterprise, Tier One supplier, upstream supplier, financial machine
The block chain business service platform for the supply chain financial service alliance chain that structure, bank participate in many ways；
Each node in S2, supply chain financial service alliance chain node different according to the different demarcation of its role
Book keeping operation permission；
S3, supply chain financial service alliance's chain are honoured an agreement from traditional contracts to be integrated contract in system and honours an agreement information, is obtained
The relevant information of the accounts receivable of the core enterprise, accounts receivable of the supplier according to the core enterprise, Xiang Suoshu block
Chain business service platform application long term financing；The core enterprise examines according to the transaction accounts receivable information that e-bidding platform transmits
The authenticity of accounts receivable described in core；
After S4, the accounts receivable authenticity validation, the block chain business service platform will be based on intelligent contract technology,
Credits voucher is generated according to the accounts receivable；
S5, the credits voucher owner can be financed by the credits voucher to the financial institution, can also be with
Upstream supplier's accounts payable is paid using the credits voucher；When carrying out aforesaid operations, the corresponding credits with
The owner of card can change；
S6, when a triggering condition is met, the credits voucher can execute corresponding actions automatically；The trigger condition is receivable
The time of funds on account expires, and after the accounts receivable time expires, intelligent contract will be triggered, and is automatically performed transferring accounts for fixed route.
The above-mentioned supply chain finance based on block chain is multistage to increase letter method, under preferred embodiment, the supply chain financial service
Alliance's chain is the block chain of multicenter, multimachine structure co- controlling, and supply chain financial service alliance chain will be by authorizing ability
Access.
The above-mentioned supply chain finance based on block chain is multistage to increase letter method, described in the step S2 under preferred embodiment
Node keeps accounts permission including keeping accounts two kinds according to book keeping operation and snapshot totally；Wherein, host node participates in common recognition, carries out totally according to book keeping operation；
Other nodes carry out snapshot book keeping operation.
The above-mentioned supply chain finance based on block chain is multistage to increase letter method, under preferred embodiment, takes in the supply chain finance
It is engaged in alliance's chain, the core enterprise, the Tier One supplier, the financial institution carry out as host node totally according to book keeping operation；
The upstream supplier, the bank carry out snapshot book keeping operation as other nodes.
The present invention is based on block chain technologies to solve trust problem by common recognition algorithm, takes precautions against wind of honouring an agreement by intelligent contract
Danger reduces cooperation cost, improves efficiency of honouring an agreement so that making to trust can be effectively conducted along supply chain.
The present invention has the further advantage that simultaneously
1 high efficiency of advantage in existing technical solution, passes through the business standing data and registration called and stored on block chain
Credits voucher, automatically generate credits contract and store to block chain, largely shorten enterprise's credit time and debt
The time that information is verified is weighed, in the case where ensuring that data are genuine and believable, effectively improves the efficiency of credits distribution.
2 fairness of advantage, in existing technical solution, all transaction are based on block chain network, and block chain network is gone
Centralization, the transparency determine the open and clear of All Activity information.All transaction flows are all write as intelligent contract, by everybody
Codetermine, the storage of intelligent contract, reading, the irreversibility for executing whole process and can not tamper, all participants are
It manages this trading rules, determines fairness.
3 real-time of advantage.In prior art, all processes of supply chain finance all pass through intelligent contract and execute, and close
The automatic execution time in about expires.In block chain network, monitoring node can periodically traverse the automatic execution shape of each contract
State, affairs and trigger condition are automatically performed the processing of entire affairs and state, guarantee that whole process is transparent, can not distort.By force
Row guarantees the real-time that supply chain finance process executes.
Detailed description of the invention
Fig. 1 is overall structure and course of work schematic diagram of the invention.
Specific embodiment
Emphasis of the present invention optimizes application method of the block chain in supply chain finance, is independently ground by building
The block chain business service platform of hair accelerates the flowing of cash flow by credits voucher.
Step 1: being based on block chain technology, build block chain business service platform, flat by the block chain business service
Platform is taken to realize by the supply chain finance that core enterprise, Tier One supplier, upstream supplier, financial institution, bank participate in many ways
Business alliance's chain, supply chain financial service alliance chain are the block chains of multicenter, multimachine structure co- controlling, and alliance's chain needs are awarded
Power could access.Each participant participates in data maintenance jointly in alliance's chain, mutually proves that each main body uploads the authenticity of data.Area
Block chain can be divided by block chain according to open and decentralization degree difference: publicly-owned chain, alliance's chain, privately owned chain.Alliance
Chain is suitble to enterprise-level application.
Step 2: according to the different node book keeping operation permission of the different demarcation of role in alliance's chain, node has totally according to book keeping operation
It keeps accounts two kinds with snapshot.Consider data-privacy and safety, host node participates in common recognition, carries out totally according to book keeping operation, other nodes carry out
Snapshot book keeping operation.In supply chain financial union chain, core enterprise, Tier One supplier, financial institution carry out totally as host node
According to book keeping operation, upstream supplier, bank carry out snapshot book keeping operation.
Step 3: supply chain financial service alliance's chain is honoured an agreement from traditional contracts to be integrated contract in system and honours an agreement information, is obtained
Accounts receivable relevant information.Accounts receivable of the supplier according to core enterprise applies for financing at a specified future date, core enterprise's root to platform side
According to the authenticity of the transaction accounts receivable information audit accounts receivable of e-bidding platform transmission.
Step 4: raw in block chain business service platform based on intelligent contract technology after accounts receivable authenticity validation
As credits voucher.Intelligent contract is one section of automatized script that can be performed automatically, the credits generated by intelligent contract technology
Voucher has cured the element informations such as requestee, payee, the amount of money, the payment time of accounts receivable.
Step 5: credits voucher owner, i.e. payee can finance credits voucher to financial institution, also can be used
Credits voucher pays upstream supplier's accounts payable, and corresponding credits voucher owner can change.
Step 6: credits voucher, that is, the important characteristic of intelligent contract first is that: can execute automatically when the conditions are met
Corresponding actions, the trigger condition of credits voucher is to expire the time of accounts receivable, and after the accounts receivable time expires, intelligent contract will
It is triggered, is automatically performed transferring accounts for fixed route.
It 1 is further illustrated with reference to the accompanying drawing:
As shown in Figure 1, being primarily based on block chain technology, block chain business service platform is built, the block chain industry is passed through
Business service platform realizes the supply chain participated in many ways by core enterprise, Tier One supplier, upstream supplier, financial institution, bank
Financial service alliance chain, alliance's chain are the block chains of multicenter, multimachine structure co- controlling, and alliance's chain, which needs to authorize, to be accessed.
Each participant participates in data maintenance jointly in alliance's chain, mutually proves that each main body uploads the authenticity of data.
It is living that the credits contract that each enterprise in alliance's chain can be generated by block chain business service platform carries out finance
Dynamic, the generation of credits contract is divided into two kinds, and one is the credits contracts of the accounts payable of core enterprise conversion, and one is enterprises to exist
The credits contract that the accrediting amount in financial institution generates.
Core enterprise is the core of alliance's chain, with abundance of capitals such as reliable credit ratings, such as scale state owned enterprise
Enterprise.
According to the different node book keeping operation permission of the different demarcation of role in alliance's chain, node has to be remembered according to book keeping operation and snapshot totally
Two kinds of account.Considering data-privacy and safety, host node (core enterprise, Tier One supplier, financial institution) carries out totally according to book keeping operation,
Other nodes (upstream supplier, bank) carry out snapshot book keeping operation.
By taking Tier One supplier finances to block chain business service platform application to the process of upstream supplier's payment as an example.Core
Heart enterprise, which has, to be dealt with to the funds on account of Tier One supplier, and Tier One supplier will utilize this accounts payable, be taken by block chain business
Being engaged in, upstream supplier's platform pays the bill, the specific steps are as follows:
1, Tier One supplier initiates financing application to block chain business service platform, submits core enterprise's accounts payable letter
Breath.Or Tier One supplier initiates financing application to block chain business service platform, submits Tier One supplier in financial institution
Enterprise's accrediting amount proves.
2, block chain business service platform verifies accounts payable authenticity to core enterprise, based on intelligent contract skill after confirmation
Art is generated as credits voucher in platform, and will be converted into credits contract after the registration of credits voucher.Intelligent contract be one section can be with
Automatically the automatized script executed is had cured requestee, the gathering of accounts receivable by the credits voucher that intelligent contract technology generates
The element informations such as people, the amount of money, payment time.Or block chain business service platform verifies enterprise's accrediting amount to financial institution,
Financial institution returns to verification result, generates the credits voucher of Tier One supplier after confirmation in platform, and credits voucher is registered
After be converted into credits contract.
3, after first-class enterprise obtains credits contract, propose that upstream supplier pays the bill using credits contract to platform.
4, upstream supplier gets after credits contract to platform register the claims contract modification information.So far credits are completed to turn
It allows.
5, credits voucher owner, i.e. payee can finance credits voucher to financial institution, and credits also can be used
Voucher pays upstream supplier's accounts payable, and corresponding credits voucher owner can change.
6, the important characteristic of the namely intelligent contract of credits voucher first is that can execute automatically when the conditions are met corresponding dynamic
To make, the trigger condition of credits voucher is the expiration time of accounts receivable, and after accounts receivable expires, intelligent contract will be triggered, from
It is dynamic to complete transferring accounts for fixed route.
The present invention combines distributed account book technology, encryption technology, constructs the supply chain gold for not needing each side's trust
Melt faith mechanism, information can be shared safely, and transaction funds on account can be with free transaction.Meanwhile the present invention is based on intelligent contract technology,
Propose the concept of credits voucher, by the multistage supplier for holding credits voucher on credits document-based supply chain, have qualification into
Row financing, increases the financing credit of multistage supplier.The present invention passes through intelligent contract solidification payment path, so that risk can be with
It is controlled.
For the situation for solving Financing hardly possible in supply chain, independent research block chain underlying platform of the present invention is introduced
Financial institution is independently built, the transaction platform that supplier, core enterprise participate in many ways by financial institution, financing in need friendship
Easy funds on account can carry out retrospect lookup in platform, in conjunction with the credits voucher that core enterprise signs and issues, two, three, level Four medium-sized and small enterprises
Supplier is able to use credits voucher and trades, finances, and solves the problems, such as financing difficulties, itself insufficient credit.
The foregoing is only a preferred embodiment of the present invention, but scope of protection of the present invention is not limited thereto,
Anyone skilled in the art within the technical scope of the present disclosure, according to the technique and scheme of the present invention and its
Inventive concept is subject to equivalent substitution or change, should be covered by the protection scope of the present invention.
Claims (4)
1. a kind of supply chain finance based on block chain is multistage to increase letter method, which comprises the steps of:
S1, it is based on block chain technology, building can be achieved by core enterprise, Tier One supplier, upstream supplier, financial institution, silver
The block chain business service platform for the supply chain financial service alliance chain that row participates in many ways；
Each node in S2, supply chain financial service alliance chain is kept accounts according to the different node of the different demarcation of its role
Permission；
S3, supply chain financial service alliance's chain are honoured an agreement from traditional contracts to be integrated contract in system and honours an agreement information, described in acquisition
The relevant information of the accounts receivable of core enterprise, accounts receivable of the supplier according to the core enterprise, Xiang Suoshu block chain industry
Business service platform application long term financing；The core enterprise audits institute according to the transaction accounts receivable information that e-bidding platform transmits
State the authenticity of accounts receivable；
After S4, the accounts receivable authenticity validation, the block chain business service platform will be based on intelligent contract technology, according to
The accounts receivable generates credits voucher；
S5, the credits voucher owner can be financed by the credits voucher to the financial institution, also can be used
The credits voucher pays upstream supplier's accounts payable；When carrying out aforesaid operations, the corresponding credits voucher
Owner can change；
S6, when a triggering condition is met, the credits voucher can execute corresponding actions automatically；The trigger condition is accounts receivable
Time expire, after the accounts receivable time expires, intelligent contract will be triggered, and be automatically performed transferring accounts for fixed route.
2. the supply chain finance based on block chain is multistage according to claim 1 increases letter method, which is characterized in that the supply
Chain financial service alliance chain is the block chain of multicenter, multimachine structure co- controlling, and supply chain financial service alliance chain will lead to
Crossing authorization could access.
3. the supply chain finance based on block chain is multistage according to claim 1 increases letter method, which is characterized in that the step
Node book keeping operation permission in S2 includes keeping accounts two kinds according to book keeping operation and snapshot totally；Wherein, host node participates in common recognition, carries out complete
Data book keeping operation；Other nodes participate in common recognition, carry out snapshot book keeping operation.
4. the supply chain finance based on block chain is multistage according to claim 3 increases letter method, which is characterized in that in the confession
In Ying Lian financial service alliance chain, the core enterprise, the Tier One supplier, the financial institution carry out entirely as host node
Data book keeping operation；The upstream supplier, the bank carry out snapshot book keeping operation as other nodes.
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| CN201811473418.9A CN109615510B (en) | 2018-12-04 | 2018-12-04 | Supply chain finance multistage letter increasing method based on block chain |
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| CN201811473418.9A CN109615510B (en) | 2018-12-04 | 2018-12-04 | Supply chain finance multistage letter increasing method based on block chain |
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Cited By (29)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110111074A (en) * | 2019-05-05 | 2019-08-09 | 江苏全链通信息科技有限公司 | Contract based on block chain is transferred accounts execution method, equipment and the medium of clause |
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| CN110111074A (en) * | 2019-05-05 | 2019-08-09 | 江苏全链通信息科技有限公司 | Contract based on block chain is transferred accounts execution method, equipment and the medium of clause |
| CN110222939A (en) * | 2019-05-10 | 2019-09-10 | 深圳市艾雷蒙德工业互联网有限公司 | A kind of wisdom supply chain Services Integration management platform system |
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| CN110472438A (en) * | 2019-07-31 | 2019-11-19 | 阿里巴巴集团控股有限公司 | Transaction data processing based on block chain, Transaction Inquiries method, device and equipment |
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| CN110782350A (en) * | 2019-10-29 | 2020-02-11 | 国网区块链科技(北京)有限公司 | Enterprise financing wind control method, device and system based on block chain |
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