CN112330445A - Loan risk management method and system - Google Patents
Loan risk management method and system Download PDFInfo
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- CN112330445A CN112330445A CN202110000731.6A CN202110000731A CN112330445A CN 112330445 A CN112330445 A CN 112330445A CN 202110000731 A CN202110000731 A CN 202110000731A CN 112330445 A CN112330445 A CN 112330445A
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Abstract
The embodiment of the invention provides a loan risk management method and system, and relates to the technical field of Internet. And the financial institution node checks the business data and the production equipment associated data according to the data access right granted by the enterprise node, and performs loan risk management on the enterprise according to the business data and the production equipment associated data. Because the enterprise node is connected with the information technology system and the control technology system of the enterprise, and the enterprise node and the financial institution node are positioned in the same block chain network, the business data and the production equipment associated data stored in the block chain network are ensured not to be falsified and repudiated, so that the financial institution node can carry out loan risk management on the enterprise based on the real business data and the production equipment associated data, thereby reducing loan risk.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a loan risk management method and system.
Background
In the development process of an enterprise, the problems of unsmooth fund transfer, lack of funds and the like often exist, and the enterprise can apply for loan from a financial institution to ensure the operation of the enterprise. Before the financial institution delivers the loan, the financial institution needs to perform wind control examination and verification on the enterprise to reduce the loan risk.
At present, the financial institution can only send people to check the actual production condition of the manufacturing enterprise online and in a spot check, even has no knowledge, and for the data provided by the manufacturing enterprise unilaterally, the financial institution can not judge whether the actual production condition is true or not and can not judge whether the actual production condition is credible, so that the financial institution can not carry out loan risk management on the enterprise based on the actual production operation condition, further the deep integration of finance and manufacturing industry is hindered, and the finance can not be well served for the manufacturing industry.
Disclosure of Invention
In view of the above, the present invention provides a loan risk management method and system to solve the technical problem that financial institutions in the prior art cannot perform loan risk management on enterprises based on real production and management conditions.
In order to achieve the above purpose, the embodiment of the present invention adopts the following technical solutions:
in a first aspect, the present invention provides a loan risk management method applied to a loan risk management system, where the loan risk management system includes an enterprise node and a financial institution node, the enterprise node and the financial institution node are located in a same block chain network, and the enterprise node is connected to an information technology system and a control technology system of an enterprise, and the method includes:
the enterprise node receives the service data synchronized by the information technology system and the production equipment associated data synchronized by the control technology system, and stores the service data and the production equipment associated data;
and the financial institution node checks the business data and the production equipment associated data according to the data access right granted by the enterprise node, and performs loan risk management on the enterprise according to the business data and the production equipment associated data.
In an optional embodiment, the financial institution node performs loan risk management on the enterprise according to the business data and the production equipment related data, and includes:
before the financial institution node sends a loan to the enterprise, risk assessment before the loan is carried out on the enterprise according to the business data and the production equipment associated data; and after the loan is issued to the enterprise, carrying out the risk control after the loan on the enterprise according to the business data and the production equipment related data.
In an alternative embodiment, the method further comprises:
the enterprise node receives a data access request sent by the financial institution node and confirms the data access authority granted to the financial institution node according to the data access request; the data access right comprises an authorization scope;
the financial institution node checks the business data and the production equipment associated data according to the data access authority granted by the enterprise node, and the method comprises the following steps:
and the financial institution node checks the business data and the production equipment associated data in the authorized range according to the data access authority granted by the enterprise node.
In an alternative embodiment, the method further comprises:
and after the loan is finished, the enterprise node cancels the data access right of the financial institution node.
In an optional embodiment, each blockchain node in the blockchain network has a corresponding account book, and the storing, by the enterprise node, the business data and the production device associated data includes:
the enterprise node records the business data and the production equipment associated data into an account book corresponding to the enterprise node, and synchronizes the business data and the production equipment associated data to the financial institution node, so that the financial institution node records the business data and the production equipment associated data into the account book corresponding to the financial institution node.
In an alternative embodiment, the business data includes contracts, orders, production plans, and inventories of the enterprise, and the production equipment related data includes control data, alarm data, and energy data of production equipment.
In a second aspect, the invention provides a loan risk management system, which comprises an enterprise node and a financial institution node, wherein the enterprise node and the financial institution node are located in the same block chain network, and the enterprise node is connected with an information technology system and a control technology system of an enterprise;
the enterprise node is used for receiving the service data synchronized by the information technology system and the production equipment associated data synchronized by the control technology system and storing the service data and the production equipment associated data;
and the financial institution node is used for checking the business data and the production equipment associated data according to the data access right granted by the enterprise node and carrying out loan risk management on the enterprise according to the business data and the production equipment associated data.
In an alternative embodiment, the financial institution node is configured to perform pre-loan risk assessment on the enterprise according to the business data and the production equipment associated data before loan is issued to the enterprise; and after the loan is issued to the enterprise, carrying out the risk control after the loan on the enterprise according to the business data and the production equipment related data.
In an optional embodiment, the enterprise node is further configured to receive a data access request sent by the financial institution node, and confirm a data access right granted to the financial institution node according to the data access request; the data access right comprises an authorization scope;
and the financial institution node is used for viewing the business data and the production equipment associated data in the authorization range according to the data access authority granted by the enterprise node.
In an alternative embodiment, the enterprise node is further configured to revoke the data access rights of the financial institution node after the loan is over.
According to the loan risk management method and system provided by the embodiment of the invention, the enterprise node receives the service data synchronized by the information technology system and the production equipment associated data synchronized by the control technology system, and stores the service data and the production equipment associated data, and the financial institution node checks the service data and the production equipment associated data according to the data access right granted by the enterprise node and performs loan risk management on the enterprise according to the service data and the production equipment associated data. Because the enterprise node is connected with the information technology system and the control technology system of the enterprise, and the enterprise node and the financial institution node are positioned in the same block chain network, the business data and the production equipment associated data stored in the block chain network are ensured not to be falsified and repudiated, so that the financial institution node can carry out loan risk management on the enterprise based on the real business data and the production equipment associated data, thereby reducing loan risk.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
FIG. 1 is a schematic diagram of a loan risk management system according to an embodiment of the invention;
FIG. 2 is a flow chart illustrating a loan risk management method according to an embodiment of the invention;
FIG. 3 is a schematic flow chart of another loan risk management method provided by an embodiment of the invention;
fig. 4 is a schematic flow chart of a loan risk management method according to an embodiment of the invention.
Icon: 10-loan risk management system; 100-enterprise nodes; 200-financial institution nodes; 101-information technology system; 102-control technology system.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations.
Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.
It is noted that relational terms such as "first" and "second," and the like, may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
Referring to fig. 1, a schematic diagram of a loan risk management system 10 according to an embodiment of the invention is shown. The loan risk management system 10 may include an enterprise node 100 and a financial institution node 200, the enterprise node 100 and the financial institution node 200 being located in a same blockchain network, the enterprise node 100 being connected to an Information Technology (IT) system 101 and a control Technology (OT) system 102 of an enterprise, the enterprise node 100 and the financial institution node 200 both belonging to blockchain nodes in the blockchain network.
In this embodiment, the blockchain nodes in the blockchain network may be different physical devices, for example, the enterprise node 100 may be a server corresponding to an enterprise, and the financial institution node 200 may be a server corresponding to a financial institution; of course, the block link points in the block chain network may also be virtual machines running on the same physical device, which is not limited in this embodiment of the present invention. Enterprise IT systems include, but are not limited to, ERP (Enterprise Resource Planning) systems, MES (Manufacturing Execution System), WMS (Warehouse Management System), and the like; enterprise OT systems include, but are not limited to, production line control systems, energy systems, alarm systems, and the like.
In this embodiment, after the business rule is negotiated between the enterprise and the financial institution, a blockchain network may be constructed, the enterprise and the financial institution respectively have a blockchain node on the blockchain network, and the enterprise may further connect ITs IT system and ITs OT system to the blockchain node of the enterprise (i.e., the enterprise node 100).
The enterprise node 100 is configured to receive the service data synchronized by the information technology system 101 and the production equipment related data synchronized by the control technology system 102, and store the service data and the production equipment related data.
In this embodiment, during the production and management process of an enterprise, the information technology system 101 and the control technology system 102 synchronize the business data and the production equipment related data of the enterprise with the blockchain node of the enterprise (i.e., the enterprise node 100), and use the blockchain technology to record the business data and the production equipment related data in a trusted manner, thereby ensuring that the data is not tampered and repudiated.
The financial institution node 200 is used for viewing the business data and the production equipment associated data according to the data access authority granted by the enterprise node 100, and performing loan risk management on the enterprise according to the business data and the production equipment associated data.
In this embodiment, the enterprise node 100 may authorize the financial institution node 200 to view data that is not falsifiable on the blockchain network, and the authorized financial institution node 200 views the business data and the production equipment related data of the enterprise based on the data access right granted by the enterprise node 100, and further performs loan risk management on the enterprise according to the business data and the production equipment related data.
In the loan risk management system 10 provided in the embodiment of the present invention, the enterprise node 100 receives the service data synchronized by the information technology system 101 and the production equipment associated data synchronized by the control technology system 102, and stores the service data and the production equipment associated data, and the financial institution node 200 checks the service data and the production equipment associated data according to the data access right granted by the enterprise node 100, and performs loan risk management on the enterprise according to the service data and the production equipment associated data. Because the enterprise node 100 is connected with the information technology system 101 and the control technology system 102 of the enterprise, and the enterprise node 100 and the financial institution node 200 are located in the same blockchain network, it is ensured that the business data and the production equipment related data stored in the blockchain network are not falsified and repudiated, so that the data accessed by the financial institution node 200 at the next time is the data in the uplink, and the possibility that the enterprise falsifies the decorative data is eliminated, so that the financial institution node 200 can perform loan risk management on the enterprise based on the real business data and the production equipment related data, thereby reducing the loan risk.
Optionally, the information technology system 101 may synchronize the service data according to a first set frequency, for example, synchronize the service data to a blockchain node of an enterprise in real time; the control technology system 102 may synchronize the production equipment related data at a second set frequency, for example, synchronize the production equipment related data to blockchain nodes of the enterprise at a once-an-hour frequency.
Optionally, the loan risk management performed on the enterprise by the financial institution node 200 may include risk assessment before loan and risk control after loan, and the financial institution node 200 may be specifically configured to perform risk assessment before loan on the enterprise according to the business data and the production equipment related data before loan is delivered to the enterprise; and after the loan is issued to the enterprise, carrying out the risk control after the loan on the enterprise according to the business data and the production equipment associated data.
In the embodiment, the financial institution node 200 runs thereon an intelligent contract, which may be understood as executable code running on the financial institution node 200, and the financial institution may set corresponding rules to be deployed on the intelligent contract, so that the financial institution node 200 implements loan risk management for the enterprise based on the intelligent contract. For example, before the financial institution node 200 issues a loan, risk assessment is performed on the production operation condition of the enterprise according to the acquired business data and the production equipment associated data, and the obtained risk assessment result can be used for judging whether to issue the loan and determining a corresponding loan amount; after the loan is issued, the financial institution can still continuously monitor the production and operation conditions of the enterprise through the financial institution node 200, that is, the financial institution node 200 still performs risk assessment on the production and operation conditions of the enterprise according to the acquired business data and the production equipment related data, and once the risk assessment result shows that the production and operation conditions of the enterprise are abnormal, the financial institution can timely know and take corresponding risk control measures, such as arranging the home check condition of related personnel and the like.
In the loan risk management system 10 provided in the embodiment of the present invention, the financial institution node 200 may access the business data and the production equipment related data related to the production of the enterprise in the block chain network in near real time, so the financial institution node 200 may perform risk assessment before loan and risk control after loan based on the real business data and the production equipment related data, thereby effectively reducing the risk of loan placement. In addition, the system can help enterprises attract more financial institutions which are interested in loan issuance, and is beneficial to acquiring relatively low-cost financing of the enterprises.
In practical applications, there may be a need for other related service participants to join the blockchain network, such as a regulatory body. That is to say, the blockchain network may include other blockchain nodes in addition to the two blockchain nodes, that is, the enterprise node 100 and the financial institution node 200, and other related service participants may join the blockchain network as new blockchain link points or join the blockchain network to participate in the service through trusted blockchain link points according to the service participation degree and the willingness to undertake the cost.
In one embodiment, the loan risk management system 10 may further include a regulatory agency node through which a regulatory agency (e.g., the local Ministry of industry where the enterprise is located) may access all data in the blockchain network to obtain business data and production equipment related data related to the production of the enterprise, thereby facilitating statistics and understanding of the underlying conditions of the enterprise.
Optionally, each blockchain node in the blockchain network has a corresponding ledger, and the enterprise node 100 may be specifically configured to record the business data and the production equipment related data into the ledger corresponding to the enterprise node 100, and synchronize the business data and the production equipment related data to the financial institution node 200, so that the financial institution node 200 records the business data and the production equipment related data into the ledger corresponding to the financial institution node 200.
It should be understood that when blockchain nodes other than the enterprise node 100 and the financial institution node 200 exist in the blockchain network, the enterprise node 100 may also send the received business data and production equipment related data to all block link points or to a blockchain node trusted by itself, and each block link point records the received business data and production equipment related data in its corresponding account book.
Optionally, the enterprise node 100 may be further configured to receive a data access request sent by the financial institution node 200, and confirm the data access right granted to the financial institution node 200 according to the data access request; the data access right comprises an authorization range; the financial institution node 200 is used to view business data and production equipment associated data within the authorized scope according to the data access authority granted by the enterprise node 100.
In this embodiment, in consideration of the situation that the enterprise does not want all data to be accessed by other blockchains, the enterprise node 100 may grant the financial institution node 200 access to the business data and the production equipment related data within a certain authorization range based on an authorization manner, thereby implementing risk assessment and control on the production and operation situation of the enterprise.
Optionally, the enterprise node 100 may also be used to revoke the data access rights of the financial institution node 200 after the loan is over.
In this embodiment, after the loan is over, the enterprise node 100 may cancel the data access right of the financial institution node 200, and at this time, the financial institution node 200 loses the access right to the newly generated business data and the production equipment related data, so that the related data generated by the information technology system 101 and the control technology system 102 of the enterprise after the cancellation of the authorization cannot be accessed.
Optionally, the business data includes contracts, orders, production plans and inventory of the enterprise, and the production equipment related data includes control data, alarm data and energy data of the production equipment.
An example is given below to illustrate in detail the principles of the loan risk management system 10 described above. Suppose that a product of a certain small and medium-sized production enterprise A (hereinafter referred to as enterprise A) is a core component of an engineering machinery excavator, and a processing machine of a key production link of the core component is a plasma cutting machine. The product quality of the enterprise A is good and is popular with downstream enterprises, but the enterprise A is limited by operation funds and payment periods of the upstream and downstream enterprises, and the enterprise A needs to expand the funds to purchase raw material steel plates to meet the production requirements. After the condition of the enterprise a is known by two banks (hereinafter referred to as financial institution B and financial institution C), the two banks respond to the call of the financial service entity enterprise and have an intention to loan the enterprise a. Through traditional three-meter (water meter, electricity meter, and tax meter or customs report) analysis, enterprise a does not meet the wind control standards. Although the production and operation of enterprise a is good, financial institution B and financial institution C do not have direct data and it is not possible to have a customer manager stay on site to monitor the production operation. The local Ministry of industry and correspondence (hereinafter referred to as a "regulatory agency") of Enterprise A also wants to obtain a hand of data generated by Enterprise A, which is convenient for statistics and understanding of the basic status of Enterprise A. Based on this, the enterprise a, the financial institution B, the financial institution C and the supervising authority decide to adopt the loan risk management system 10 provided by the embodiment of the invention to carry out risk assessment and control on the production and operation conditions of the enterprise a. The enterprise A, the financial institution B, the financial institution C and the supervision institution respectively have a block chain node on a block chain network to construct an alliance chain of the production and integration integrated service platform. After the mutual recognition of all parties, the data are deployed to a block chain network in an intelligent contract mode based on rules of the type of the access data, authorized sharing of the data and the like.
Enterprise a synchronizes data such as contracts (buyer, seller, unit price, quantity, model, delivery date, delivery method, etc.), orders (model, unit price, quantity, date, etc.), production plans (date, production line number, quantity, responsible person, etc.), and inventories (date, model, quantity, etc.) related to the core component in its ERP system, MES, and WMS to the blockchain node of enterprise a in real time. The enterprise a synchronizes control data (for example, on-time, operation time, standby time, operation rate, number of cuts, and the like of the plasma cutting machine) of the production equipment related to the core member in its own OT system, alarm data (for example, alarm data of the plasma cutting machine and the like, such as an arc interruption alarm), energy data (current, voltage, power consumption of the production line), and the like to the block chain node of the enterprise a at a frequency of once per hour.
Financial institution B and financial institution C are both interested in enterprise a's business, and therefore issue data access requests to enterprise a's block-linked points that confirm access rights to all data associated with the core components authorized by financial institution B and financial institution C through their respective block-linked points. And the block link points of the financial institution B and the financial institution C respectively use contracts, orders, production plans, inventory, on-off data, alarm data, piece counting data, energy data and the like of the plasma cutting machine to carry out risk assessment based on data authorization, and the risk assessment finds that all parameters of the enterprise A are relatively stable, the operation rate is kept above 80%, and no alarm with severity level or above is generated. Therefore, the financial institution B and the financial institution C respectively grant different loan amounts to the enterprise A, after the enterprise A comprehensively compares the loan amounts, the enterprise A decides to adopt the quotation of the financial institution C and cancels the authorization of the block chain node of the financial institution B, and the block chain node of the financial institution B cannot continuously access the data related to the core component.
After loan issuance, the block link points of the financial institution C continuously monitor the production and operation conditions of the enterprise A through an intelligent contract, the arc-breaking alarm of the plasma cutting machine of the enterprise A is suddenly found, the operation rate is lower than 80%, the problem of the production line of the enterprise A is judged, and then a wind control manager is dispatched to check the situation at home immediately. And (3) finding that the parameter setting of the plasma cutting machine of the production line is wrong, the production is recovered after correction, continuously monitoring data of the block link points of the financial institution C, finding that all data are recovered normally, recovering the risk evaluation score, considering that the risk is controllable, and continuously performing according to the flow after normal loan.
Fig. 2 is a schematic flow chart of a loan risk management method according to an embodiment of the invention. It should be noted that the basic principle and the technical effects of the loan risk management method provided by the embodiment are the same as those of the above embodiment, and for the sake of brief description, reference may be made to the corresponding contents in the above embodiment for parts that are not mentioned in the embodiment. The loan risk management method may be applied to the loan risk management system 10 of fig. 1, which may include the steps of:
step S201, the enterprise node receives the service data synchronized by the information technology system and the production equipment related data synchronized by the control technology system, and stores the service data and the production equipment related data.
And S202, the financial institution node checks the business data and the production equipment associated data according to the data access right granted by the enterprise node, and performs loan risk management on the enterprise according to the business data and the production equipment associated data.
Optionally, each blockchain node in the blockchain network has a corresponding account book, and the step S201 may specifically include: the enterprise node records the business data and the production equipment associated data into an account book corresponding to the enterprise node, and synchronizes the business data and the production equipment associated data to the financial institution node, so that the financial institution node records the business data and the production equipment associated data into the account book corresponding to the financial institution node.
Optionally, the step S202 may specifically include: before the financial institution node sends the loan to the enterprise, risk assessment before the loan is carried out on the enterprise according to the business data and the production equipment associated data; and after the loan is issued to the enterprise, carrying out the risk control after the loan on the enterprise according to the business data and the production equipment associated data.
Optionally, referring to fig. 3, the loan risk management method according to the embodiment of the present invention may further include the following steps: step S301, an enterprise node receives a data access request sent by a financial institution node and confirms a data access authority granted to the financial institution node according to the data access request; the data access rights include an authorization scope. The step S202 may specifically include: and the financial institution node checks the business data and the production equipment associated data in the authorized range according to the data access authority granted by the enterprise node.
It should be noted that, in practical applications, step S301 may be executed before step S201, may also be executed after step S201, and may also be executed simultaneously with step S201, which is not limited in this embodiment of the present invention.
Optionally, referring to fig. 4, the loan risk management method according to the embodiment of the present invention may further include the following steps:
and step S401, after the loan of the enterprise node is finished, the data access right of the financial institution node is cancelled.
In the loan risk management method provided by the embodiment of the invention, the enterprise node 100 receives the service data synchronized by the information technology system 101 and the production equipment associated data synchronized by the control technology system 102, stores the service data and the production equipment associated data, and the financial institution node 200 checks the service data and the production equipment associated data according to the data access right granted by the enterprise node 100 and performs loan risk management on the enterprise according to the service data and the production equipment associated data. Because the enterprise node 100 is connected with the information technology system 101 and the control technology system 102 of the enterprise, and the enterprise node 100 and the financial institution node 200 are located in the same blockchain network, it is ensured that the business data and the production equipment related data stored in the blockchain network are not falsified and repudiated, so that the data accessed by the financial institution node 200 at the next time is the data in the uplink, and the possibility that the enterprise falsifies the decorative data is eliminated, so that the financial institution node 200 can perform loan risk management on the enterprise based on the real business data and the production equipment related data, thereby reducing the loan risk.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method can be implemented in other ways. The apparatus embodiments described above are merely illustrative, and for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In addition, the functional modules in the embodiments of the present invention may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.
The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes will occur to those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A loan risk management method is applied to a loan risk management system, the loan risk management system comprises an enterprise node and a financial institution node, the enterprise node and the financial institution node are located in the same block chain network, and the enterprise node is connected with an information technology system and a control technology system of an enterprise, the method comprises the following steps:
the enterprise node receives the service data synchronized by the information technology system and the production equipment associated data synchronized by the control technology system, and stores the service data and the production equipment associated data;
and the financial institution node checks the business data and the production equipment associated data according to the data access right granted by the enterprise node, and performs loan risk management on the enterprise according to the business data and the production equipment associated data.
2. The method of claim 1, wherein the financial institution node performing loan risk management for the business based on the business data and the production equipment associated data, comprises:
before the financial institution node sends a loan to the enterprise, risk assessment before the loan is carried out on the enterprise according to the business data and the production equipment associated data; and after the loan is issued to the enterprise, carrying out the risk control after the loan on the enterprise according to the business data and the production equipment related data.
3. The method of claim 1, further comprising:
the enterprise node receives a data access request sent by the financial institution node and confirms the data access authority granted to the financial institution node according to the data access request; the data access right comprises an authorization scope;
the financial institution node checks the business data and the production equipment associated data according to the data access authority granted by the enterprise node, and the method comprises the following steps:
and the financial institution node checks the business data and the production equipment associated data in the authorized range according to the data access authority granted by the enterprise node.
4. The method of claim 1, further comprising:
and after the loan is finished, the enterprise node cancels the data access right of the financial institution node.
5. The method of claim 1, wherein each blockchain node in the blockchain network has a corresponding ledger, and wherein the enterprise node stores the business data and the production equipment associated data, comprising:
the enterprise node records the business data and the production equipment associated data into an account book corresponding to the enterprise node, and synchronizes the business data and the production equipment associated data to the financial institution node, so that the financial institution node records the business data and the production equipment associated data into the account book corresponding to the financial institution node.
6. The method of any of claims 1-5, wherein the business data comprises contracts, orders, production plans, inventory of the enterprise, and the production equipment-related data comprises control data, alarm data, energy data of production equipment.
7. A loan risk management system is characterized by comprising an enterprise node and a financial institution node, wherein the enterprise node and the financial institution node are positioned in the same block chain network, and the enterprise node is connected with an information technology system and a control technology system of an enterprise;
the enterprise node is used for receiving the service data synchronized by the information technology system and the production equipment associated data synchronized by the control technology system and storing the service data and the production equipment associated data;
and the financial institution node is used for checking the business data and the production equipment associated data according to the data access right granted by the enterprise node and carrying out loan risk management on the enterprise according to the business data and the production equipment associated data.
8. The loan risk management system of claim 7, wherein the financial institution node is configured to perform a pre-loan risk assessment for the business based on the business data and the production facility-associated data prior to dispensing a loan to the business; and after the loan is issued to the enterprise, carrying out the risk control after the loan on the enterprise according to the business data and the production equipment related data.
9. The loan risk management system of claim 7, wherein the enterprise node is further configured to receive a data access request sent by the financial institution node and to confirm data access rights granted to the financial institution node based on the data access request; the data access right comprises an authorization scope;
and the financial institution node is used for viewing the business data and the production equipment associated data in the authorization range according to the data access authority granted by the enterprise node.
10. The loan risk management system of claim 7, wherein the enterprise node is further configured to revoke the financial institution node's data access rights after the loan is over.
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