CN111260459B

CN111260459B - Method for packaging loan based on blockchain and computer readable storage medium

Info

Publication number: CN111260459B
Application number: CN202010029501.8A
Authority: CN
Inventors: 马超群; 仵奕欣; 周中定; 李信儒; 兰秋军
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2020-01-13
Filing date: 2020-01-13
Publication date: 2023-09-22
Anticipated expiration: 2040-01-13
Also published as: CN111260459A

Abstract

The invention discloses a block chain-based method for packaging loans and a computer-readable storage medium. The method utilizes Oracle, a cross-chain technology and an approval mechanism, solves the problems of inaccurate evaluation of credit worthiness, deficient information sources of exporters and difficult monitoring of trade circulation, and can prevent imported manufacturers from falsifying and maliciously falsifying contracts by utilizing a consensus mechanism, so that fairness is ensured. And simultaneously adding an intelligent contract, and automatically executing predefined rules and clauses. All the information is uploaded to the blockchain, so that information tracing, electronic bill tamper-proof and counterfeit-proof can be realized, the authenticity of various bills used in business is ensured, the transmission speed is increased, and the problem that the use condition of loan data is not easy to monitor is solved. Meanwhile, by means of asymmetric encryption, a Hash algorithm, digital identity and digital signature technology, signature authenticity accuracy in the business process of the bill is achieved, the business management conditions of the exporter are monitored in real time, and the business management risks are solved to the greatest extent.

Description

Method for packaging loan based on blockchain and computer readable storage medium

Technical Field

The invention relates to the technical field of packaged loans in import-export trade, in particular to a method for performing packaged loans based on blockchain and a computer readable storage medium.

Background

The packaged loan is a special loan applied to the bank for purchasing, producing and shipping the exported goods under the credit card item, wherein the special loan is applied to the bank by taking the original credit card taking the credit card as a beneficiary as a repayment guarantee when the consignment of the consignor is indicated by a credit card settlement mode. The repayment source of the packaged loan is export collection under the credit card item, and is short-term trade financing before shipment of cargoes.

However, the existing packaged loan approach does not effectively manage the following risks:

1. the risks of importers, potential risks formed by reputation and poor performance of foreign importers, and some illegal importers use the lack of exporter information to set soft terms and the like in foreign trade contracts, such as buyer checking terms and goods to checking terms, so that the importers cannot control the right of property or are in a passive position in the transaction, and once market quotations are unfavorable for own interests, various reasons are found to reject payment. If the exporter cannot meet the requirements of the credit card or fails to perform at all, the credit card at that time is not worth the value, and the repayment of the packaged loan is not guaranteed.

2. Management risk. If the goods source of the domestic export organization is poor in management, the substantial problems of unqualified quality, inconsistent description of the goods with the credit card and the like are caused, so that the final goods delivery period is later than the latest delivery period specified by LC (credit card), and the company can not pass the inspection of a quality inspection organization and can not submit the documents conforming to the credit card, so that importers and issuing banks can reject the documents, and the collection is not guaranteed.

3. Risk of deliberate removal of his use. The packaged loan is used for links of domestic acquisition, material preparation, production, shipment and the like of exporters, special loan payment should be ensured, the purpose of the loan is tracked and checked after the loan is issued, whether the loan is used for purchasing and producing export goods under the credit card item, and whether the loan cannot be ordered under the condition that the credit card validity period is over.

4. Risk of issuing a row. If the issuing bank credit worthiness is poor, there is a shortage of foreign exchange in the country and region where the bank is located, a political crisis and an economic crisis, and the potential risk of issuing a packaged loan is great.

Disclosure of Invention

The invention provides a block chain-based method for carrying out packaged loan and a computer-readable storage medium, which are used for solving the technical problem that the conventional packaged loan mode cannot be effectively monitored.

According to one aspect of the present invention, there is provided a method of performing a packaged loan based on a blockchain, comprising the steps of:

step S1: the importer node and the exporter node sign trade contracts in a blockchain and agree to use a credit card mode for settlement;

step S2: the issuing bank node evaluates the credit conditions of the importer node based on the request of the importer node and issues a credit card for the importer node;

step S3: the bank node of the package loan evaluates the credit information condition of the export node based on the request of the export node, provides the package loan financing for the export node, and uploads the transfer record Hash signature to the blockchain;

step S4: the export node deploys a raw material application list on the blockchain and carries out Hash signature, and the supplier node transfers raw materials and processed products to the export node after receiving the raw material application list, generates a supply list, carries out Hash signature and uploads the supply list to the blockchain;

step S5: the export business node receives the raw materials, the processed products and the related documents, then carries out cargo export transportation activities, and the information in the cargo export transportation process is uploaded to the blockchain after being signed by the related node Hash;

Step S6: the exporter node uploads the bill and bill transfer protocol Hash signature to the blockchain and transfers the bill and bill transfer protocol Hash signature to the issuing bank node;

step S7: the export business node deploys a bill of lading on the blockchain, carries out Hash signature and then hands over to the importer node, the importer node carries out goods import transportation activities based on the bill of lading, and information in the goods import transportation process is uploaded to the blockchain after the relevant node Hash signature;

step S8: and carrying out the payment clearing activity after the date of acceptance is reached, and uploading transfer records in the payment clearing process to the blockchain after the transfer records are signed by a relevant node Hash.

Further, the step S1 includes the steps of:

step S11: the importer node deploys trade contracts on the blockchain, settles accounts by adopting a credit card mode, and uploads the trade contracts to the blockchain after signing by using a private key Hash;

step S12: the exporter node uses the public key of the importer node to verify, confirms that the trade contract is drawn by the importer node and confirms that the trade contract is correct, then uses the private key Hash signature to confirm the trade contract, and records the trade contract on the blockchain.

Further, the step S2 includes the steps of:

Step S21: the importer node fills in an open application form on the blockchain based on trade contract requirements and signs by using a private key Hash;

step S22: after the issuing bank node receives the issuing application form on the blockchain, the issuing bank node applies to the Oracle node to check the credit condition of the importer node and the condition authenticity of the issuing application form;

step S23: the Oracle node extracts the credit information condition of the importer node after receiving the application and verifies the condition authenticity of the issuing application, generates a report, signs by using a private key Hash, sends the report to the issuing row node, and uploads the report to the blockchain;

step S24: the issuing bank node verifies by using the public key of the Oracle node, confirms that the report is sent by the Oracle node and confirms that the credit conditions of the importer node meet the requirements, and then uses a private key Hash signature to confirm on the issuing application deployed by the importer node and records the confirmation on the blockchain;

step S25: the issuing bank node issues a credit card according to the requirements in the issuing application, signs by using a private key Hash, sends out a notice bank node of the issuing bank, and uploads the notice bank node to the blockchain;

step S26: after receiving the credit card, the exit notification line node carries out Hash signature confirmation, and simultaneously sends the credit card to the provider node after carrying out Hash signature on the credit card by using a private key and uploads the credit card to the blockchain;

Step S27: after receiving the credit confirmation, the exporter node carries out Hash signature confirmation, and the exporter node uploads the credit positive book taking the exporter node as a beneficiary to the blockchain after carrying out Hash signature by using a private key.

Further, the step S3 includes the steps of:

step S31: the exporter node deploys a packaged loan application form on the blockchain and signs by using a private key Hash, and applies for the financing of the packaged loan to the packaged loan bank node;

step S32: after receiving the request form of the packaged loan, the bank node of the packaged loan applies to the Oracle node to check the credit condition, trade contract, credit clause of the export node and verify the authenticity of the request form of the packaged loan;

step S33: the Oracle node extracts credit conditions, trade contracts and credit card clauses of the exporter node after receiving the application and verifies the authenticity of the conditions of the packaged loan application form, generates a report, signs the report by using a private key Hash, sends the report to the packaged loan banking node, and uploads the report to the blockchain;

step S34: after verifying the authenticity of the report, the bank node of the packaged loan decides whether to provide the packaged loan for the node of the exporter, if the packaged loan is refused, a refusal notice is generated, the node of the exporter is signed by a private key Hash, and the node of the exporter is sent and uploaded to a blockchain; if yes, the private key Hash signature is used for confirming the packaged loan application deployed by the exporter node;

Step S35: and the bank node for packing loan provides a certain amount of home currency or foreign currency packing loan for the export node, and uploads the money transfer record after the Hash signature to the blockchain.

Further, the step S4 includes the steps of:

step S41: after receiving the transfer and receipt of the bank node of the package loan, the export node carries out Hash signature confirmation on the transfer record, and simultaneously generates a raw material application list, uses a private key Hash to sign and then uploads the raw material application list to the blockchain, transfers the transfer and receipt to the supplier node to pay raw materials and processing cost, and uploads the transfer record Hash signature to the blockchain;

step S42: after receiving the raw material application list on the blockchain, the supplier node carries out Hash signature confirmation on the raw material application list, and simultaneously uploads raw material receipts and processed product receipts to the blockchain by using a private key Hash signature so as to transfer the raw material receipts and the processed product receipts to the exporter node, generates a supply bill after transferring the raw material and the processed product to the exporter node, sends the raw material receipts to the exporter node by using the private key Hash signature, uploads the raw material receipts to the blockchain, and simultaneously receives the transfer remittance of the exporter node to account, and then carries out Hash signature confirmation on the transfer record.

Further, the step S5 includes the steps of:

step S51: after receiving the confirmation of the raw materials, processed products and related documents, the exporter node confirms the Hash signature on the bill of supply, and meanwhile, the exporter node prepares for shipment, deploys a freight contract on the blockchain and signs the freight contract with a private key Hash, and then sends the freight contract to the exporter carrier node;

step S52: after confirming the contract, the exporter carrier node confirms the contract by using a private key Hash signature on the freight contract and records the contract on the blockchain;

step S53: the export commodity node prepares goods, applies for commodity inspection to the export commodity inspection bureau node, deploys an export inspection application form on the blockchain, signs by using a private key Hash, issues a commodity inspection certificate after the export commodity inspection bureau node is qualified, signs by using the private key Hash, uploads the commodity inspection certificate to the blockchain, and informs the export commodity node;

step S54: the export business node signs the export goods customs declaration list with a private key Hash and then uploads the export goods customs declaration list to the blockchain, applies for customs declaration to the export customs node, opens a release notice after the export customs node performs field auditing and checking success, and uploads the release notice to the blockchain after Hash signing;

step S55: the export node transfers goods and related receipts to the export carrier node, generates a private key Hash signature for a transfer notice and uploads the private key Hash signature to the blockchain;

Step S56: the export carrier node receives goods and related documents, confirms the goods and related documents without errors, and meanwhile generates a bill of lading, sends the bill of lading to the export carrier node after the bill of lading is signed by a private key Hash, and uploads the bill of lading to the blockchain.

Further, the step S6 includes the steps of:

step S61: the exporter node uploads the bill and bill transfer protocol to the blockchain after using a private key Hash signature, submits and gives up to a packaging loan banking node;

step S62: packaging loan bank nodes audit bills submitted by the exporter nodes, after confirming the bills without errors, carrying out Hash signature confirmation on bill transfer protocols, uploading the bills and the bill transfer protocols to a blockchain after using private key Hash signatures, submitting the bills and the bill transfer protocols and giving the bills to an issuing bank node;

step S63: after receiving and auditing the bill and bill transfer protocol of the bank node of the package loan, the issuing bank node confirms the Hash signature on the bill transfer protocol and records the Hash signature on the blockchain.

Further, the step S7 includes the steps of:

step S71: the exporter node deploys the information of the lader on the bill of lading, submits the information to the importer node after Hash signature by a private key and uploads the information to the blockchain;

Step S72: the importer node obtains a bill of lading signed by the exporter node, extracts goods, then carries out Hash signature confirmation on the bill of lading, submits an import inspection application to an importer business inspection office node, and after the importer business inspection office node inspects that the goods are qualified, issues a business inspection certificate, carries out Hash signature by using a private key and then uploads the business inspection certificate to the blockchain;

step S73: the importer node submits an import goods customs declaration form to the importer customs node, signs the import goods customs form by using a private key Hash, and uploads the import goods customs form to the blockchain, and the importer customs node issues a release notice and a tax receipt after checking and verification passes, signs the import goods customs node, and uploads the import goods customs form to the blockchain after signing the Hash;

step S74: after receiving goods smoothly, the importer node generates a goods receiving notification and sends the goods receiving notification to the issuing bank node, and the goods receiving notification is signed by a private key Hash and then uploaded to the blockchain.

Further, the step S8 includes the steps of:

step S81: after receiving the receipt notification, the issuing bank node confirms with the private key Hash signature, pays the bank node for packaging loan when the receiving date is reached, and uploads the transfer record Hash signature to the blockchain;

step S82: the bank node of the packing loan receives the transfer remittance of the issuing bank node to account, confirms that the issuing bank node has paid all the goods, confirms and records the Hash signature on the transfer certificate on the blockchain, deducts the package loan deposit, remittance to the exporter node, and uploads the transfer record Hash signature to the blockchain;

Step S83: after confirming the remittance and the account, the exporter node confirms the account by using a private key Hash signature on the transfer certificate and records the account on the blockchain.

The present invention also provides a computer readable storage medium storing a computer program for blockchain-based packaged loan, which when run on a computer performs the blockchain-based packaged loan method as described above.

The invention has the following beneficial effects:

the method for packaging loans based on blockchain solves the problems of inaccurate evaluation of credit worthiness, deficient information sources of exporters and difficult monitoring of trade circulation by using Oracle, cross-chain technology and approval mechanism, and can prevent importers from falsifying and maliciously falsifying contracts by using a consensus mechanism, thereby ensuring fairness. And simultaneously adding an intelligent contract, and automatically executing predefined rules and clauses. All the information is uploaded to the blockchain, so that information tracing, electronic bill tamper-proof and counterfeit-proof can be realized, the authenticity of various bills used in business is ensured, the transmission speed is increased, and the problem that the use condition of loan data is not easy to monitor is solved. Meanwhile, by means of asymmetric encryption, a Hash algorithm, digital identity and digital signature technology, signature authenticity accuracy in the business process of the bill is achieved, the business management conditions of the exporter are monitored in real time, and the business management risks are solved to the greatest extent. The packing loan under traditional mode has potential risks formed by poor reputation and performance of foreign importers, risks of poor management of domestic exporters, risks of deliberate handling of packing loans and risks of poor credit conditions of issuing, and is mainly because different entities respectively store respective information, the transparency is seriously lacked, high time cost and money cost are caused, once problems (impoverishment, fake goods and the like) occur, the problems are difficult to search and process, transaction information of all participating subjects is up-link, the whole transaction process is transparent, supervision is convenient, the risks are conveniently measured systematically, and the trust degree among the participating subjects is deepened.

In addition to the objects, features and advantages described above, the present application has other objects, features and advantages. The present application will be described in further detail with reference to the drawings.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application. In the drawings:

FIG. 1 is a block chain network deployment diagram of a method of performing a packaged loan based on a block chain, in accordance with a preferred embodiment of the application.

Fig. 2 is a business network diagram of a method of performing a packaged loan based on blockchain in accordance with a preferred embodiment of the application.

FIG. 3 is a flow chart of a method of performing a packaged loan on a blockchain basis, in accordance with a preferred embodiment of the application.

Fig. 4 is a schematic flow chart of step S1 in fig. 3 according to a preferred embodiment of the present application.

Fig. 5 is a schematic flow chart of step S2 in fig. 3 according to a preferred embodiment of the present application.

Fig. 6 is a schematic flow chart of step S3 in fig. 3 according to a preferred embodiment of the present application.

Fig. 7 is a schematic flow chart of step S4 in fig. 3 according to a preferred embodiment of the present application.

Fig. 8 is a schematic flow chart of step S5 in fig. 3 according to a preferred embodiment of the present invention.

Fig. 9 is a schematic sub-flow chart of step S6 in fig. 3 according to a preferred embodiment of the present invention.

Fig. 10 is a schematic flow chart of step S7 in fig. 3 according to a preferred embodiment of the present invention.

Fig. 11 is a schematic flow chart of step S8 in fig. 3 according to a preferred embodiment of the present invention.

Detailed Description

Embodiments of the invention are described in detail below with reference to the attached drawing figures, but the invention can be practiced in a number of different ways, as defined and covered below.

For ease of understanding, as shown in fig. 1 and 2, the following explains the multiparty nodes involved in a blockchain network in a blockchain-based method of packaged loans.

1. Oracle node: the platform for providing external information can allow the blockchain to be connected to any existing API, and can import, store and export information about network nodes on the blockchain, so that dynamic acquisition of the information is realized.

2. Importer node: it refers to enterprises or merchants engaged in import trade, which purchase goods from abroad and then sell to industrial and mining enterprises, wholesalers and retailers in the country; or processed or stored slightly, and then transferred to other countries or regions for sale.

3. Exporter node: refers to foreign companies that have authority to transact export business.

4. Issuing bank node: refers to a bank that accepts requests and instructions from the issuing applicant (typically the buyer of a trade contract, the importer of goods) or issues a credit card according to its own needs. The issuing bank is generally the bank where the importer is located and is responsible for obligations under the credit card on behalf of himself.

5. Packaging loan banking node: refers to a bank that provides a packaged loan service for an exporter, typically the bank where the exporter is located.

6. Exit-place notification line node: a bank that reviews and notifies the beneficiaries of the credit is typically the bank where the exporter is located.

7. Supplier node: the system is an economic organization which provides services such as raw material, product processing and manufacturing for the exporter, has an information management system which is suitable for own business and carries out independent accounting and independent burden on civil responsibility.

8. Export carrier node: the system is an operation business of at least carrying out transportation (including transportation agency and goods express) or storage, can organize and manage basic functions of transportation, storage, loading and unloading, packaging, circulation processing, distribution and the like according to the logistics requirements of clients, and has an information management system which is suitable for the business of the system and is an economic organization for independently accounting and independently bearing civil responsibility.

9. Export customs node: the customs of the importer is pointed out to exercise the national administrative authorities of import and export supervision and management authority according to the laws and regulations of the country (or region). For verifying the authenticity of goods, including type, quantity and tax (imported tariffs and exported tax returns, value-added tax invoices), and the like, and is responsible for checking and checking the delivery pass of the goods.

10. Importer customs node: the customs of the importer is responsible for auditing and checking the mechanism of issuing passes for goods.

11. Importer business inspection bureau node: the finger importer is responsible for checking whether the commodity meets the detection mechanism of import requirements.

12. Exporter business inspection bureau node: the detecting mechanism indicates that the importer is responsible for checking whether the commodity meets the export requirement.

As shown in FIG. 3, a preferred embodiment of the present invention provides a method of performing a packaged loan based on a blockchain, comprising the steps of:

In the embodiment, the method for packaging loans based on blockchain solves the problems of inaccurate evaluation of credit worthiness, deficient information sources of exporters and difficult monitoring of trade circulation by using Oracle, a cross-chain technology and an approval mechanism, and can prevent imported manufacturers from falsifying and maliciously falsifying contracts by using a consensus mechanism, thereby ensuring fairness. And simultaneously adding an intelligent contract, and automatically executing predefined rules and clauses. All the information is uploaded to the blockchain, so that information tracing, electronic bill tamper-proof and counterfeit-proof can be realized, the authenticity of various bills used in business is ensured, the transmission speed is increased, and the problem that the use condition of loan data is not easy to monitor is solved. Meanwhile, by means of asymmetric encryption, a Hash algorithm, digital identity and digital signature technology, signature authenticity accuracy in the business process of the bill is achieved, the business management conditions of the exporter are monitored in real time, and the business management risks are solved to the greatest extent. The packing loan under traditional mode has potential risks formed by poor reputation and performance of foreign importers, risks of poor management of domestic exporters, risks of deliberate handling of packing loans and risks of poor credit conditions of issuing, and is mainly because different entities respectively store respective information, the transparency is seriously lacked, high time cost and money cost are caused, once problems (impoverishment, fake goods and the like) occur, the problems are difficult to search and process, transaction information of all participating subjects is up-link, the whole transaction process is transparent, supervision is convenient, the risks are conveniently measured systematically, and the trust degree among the participating subjects is deepened.

It will be appreciated that, as shown in fig. 4, the step S1 includes the steps of:

In the step S1, signing of the trade contract is performed on the blockchain, which can prevent the contract from being tampered maliciously, and the information is disclosed and transparent, so that other party nodes can effectively supervise the authenticity of the trade, and the situation that importer nodes deliberately set soft clauses is prevented.

It will be appreciated that, as shown in fig. 5, the step S2 includes the steps of:

In the step S2, the issuing process of the credit card is performed on a blockchain, so that the transmitting and auditing processes of the credit card and the bill are simplified, the manpower, material resources, financial resources and time cost are saved, the whole financing process is quicker, safer and more intelligent, the issuing node can accurately evaluate the credit investigation condition of the importer node through the Oracle node, the risk of the issuing node is reduced, and the potential risk formed by poor reputation and performance of the importer node is also solved.

It will be appreciated that, as shown in fig. 6, the step S3 includes the steps of:

In the step S3, the bank node of the packaged loan can accurately evaluate the credit investigation situation of the node of the exporter through the Oracle node, so that the financing risk of the bank node of the packaged loan is reduced, the financing process of the packaged loan is performed on a blockchain, all the information is public and transparent, the nodes of other parties can effectively monitor, and the authenticity of the financing of the packaged loan is ensured.

It will be appreciated that, as shown in fig. 7, the step S4 includes the steps of:

In the step S4, the information, such as raw material application list, supply list, etc., in the purchasing process of the exporter node is signed and then uploaded to the blockchain, so that other nodes can effectively monitor whether the exporter node receives the loan and then pays special money.

It will be appreciated that, as shown in fig. 8, the step S5 includes the steps of:

In the step S5, the information in the cargo export circulation process is signed by the relevant nodes and then uploaded to the blockchain, the whole cargo export process is transparent and open on the blockchain, so that each party node can effectively monitor the cargo export circulation process, and once the export business node fails to pay a bill on schedule, other party nodes can quickly know the situation and can quickly take corresponding solutions.

It will be appreciated that, as shown in fig. 9, the step S6 includes the steps of:

In the step S6, the bill transfer process is performed on the blockchain, the information is disclosed and transparent, the authenticity of transfer is ensured, and the bill is transferred to the issuing bank node after being transferred by the packaging loan bank node, and the packaging loan bank node needs to perform signature confirmation to guarantee the validity and authenticity of the bill, thereby reducing the risk of the issuing bank node.

It will be appreciated that as shown in fig. 10, the step S7 includes the steps of:

In the step S7, the information in the goods import circulation process is all signed by the relevant nodes and then uploaded to the blockchain, and the whole goods import process is transparent and open on the blockchain, so that the import circulation process of the goods can be effectively monitored by the nodes of each party, and the condition that the import merchant node carries goods to privately escape and lose confidence is prevented from happening.

It will be appreciated that, as shown in fig. 11, the step S8 includes the steps of:

In the step S8, the payment clearing process is transparent in disclosure on the blockchain, and the transfer process between the two nodes requires signature confirmation of the two nodes, so that the later tracing is facilitated, and the exporter node is also facilitated to effectively supervise the payment clearing process, so that the situation that the bank node of the packaging loan refuses to pay or delays to pay after receiving all the payment is prevented.

It will be appreciated that the second embodiment of the present invention also provides a computer-readable storage medium storing a computer program for performing, when running on a computer, a method of blockchain-based packaging loan as described above.

Forms of general computer-readable media include: a floppy disk (floppy disk), a flexible disk (flexible disk), hard disk, magnetic tape, any other magnetic medium, a CD-ROM, any other optical medium, punch cards, paper tape, any other physical medium with patterns of holes, a Random Access Memory (RAM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), a FLASH erasable programmable read-only memory (FLASH-EPROM), any other memory chip or cartridge, or any other medium from which a computer can read. The instructions may further be transmitted or received over a transmission medium. The term transmission medium may include any tangible or intangible medium that may be used to store, encode, or carry instructions for execution by a machine, and includes digital or analog communications signals or their communications with intangible medium that facilitate communication of such instructions. Transmission media includes coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting computer data signals.

The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for packing loans based on blockchains is characterized in that,

the method comprises the following steps:

step S8: after the date of acceptance is reached, carrying out the payment clearing activity, and uploading transfer records in the payment clearing process to a blockchain after the transfer records are signed by a relevant node Hash;

the step S1 includes the steps of:

step S12: the exporter node verifies by using the public key of the importer node, determines that the trade contract is drawn by the importer node and confirms that the trade contract is correct, confirms the trade contract by using a private key Hash signature, and records the trade contract on the blockchain;

The step S2 includes the steps of:

Step S27: after receiving the credit confirmation, the exporter node carries out Hash signature confirmation, and the exporter node takes the exporter node as a beneficiary and uploads the credit positive with a private key Hash signature to the blockchain;

the step S3 includes the steps of:

Step S35: the bank node of the packing loan provides a certain amount of home currency or foreign currency packing loan for the export node, and uploads the money transfer record Hash signature to the blockchain;

the step S4 includes the steps of:

step S42: after receiving a raw material application list on a blockchain, a supplier node carries out Hash signature confirmation on the raw material application list, and simultaneously uploads raw material receipts and processed product receipts to the blockchain by using a private key Hash signature so as to transfer the raw material receipts and the processed product receipts to an exporter node, and generates a supply bill after transferring the raw material receipts and the processed product to the exporter node, sends the raw material receipts and the processed product receipts to the exporter node by using the private key Hash signature, and uploads the raw material receipts and the transfer reminds to the exporter node, and then carries out Hash signature confirmation on transfer records;

The step S5 includes the steps of:

Step S56: the method comprises the steps that after receiving goods and related documents, an export carrier node confirms Hash signature without errors, and meanwhile, the export carrier node generates a bill of lading, sends the bill of lading to the export carrier node after Hash signature by a private key, and uploads the bill of lading to a block chain;

the step S6 includes the steps of:

step S63: after receiving and auditing the bill and bill transfer protocol of the bank node of the package loan, the issuing bank node confirms a Hash signature on the bill transfer protocol and records the Hash signature on the blockchain;

the step S7 includes the steps of:

step S74: after receiving goods smoothly, the importer node generates a goods receiving notification and sends the goods receiving notification to the issuing bank node, and the goods receiving notification is signed by a private key Hash and then uploaded to a blockchain;

the step S8 includes the steps of:

2. A computer readable storage medium storing a computer program for performing a blockchain-based packaged loan, wherein the computer program when run on a computer performs the blockchain-based packaged loan method of claim 1.