CN113628040A

CN113628040A - Floating pledge financing method, device and equipment under live property guarantee based on block chain

Info

Publication number: CN113628040A
Application number: CN202111005865.3A
Authority: CN
Inventors: 马超群; 贾时雨; 周中定; 兰秋军; 李信儒; 万丽
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2021-08-30
Filing date: 2021-08-30
Publication date: 2021-11-09

Abstract

The application discloses a floating warrant financing method, a device and equipment under a mobile warrant based on a block chain, wherein the method makes full use of distributed account book technology, asymmetric encryption technology, intelligent contract technology, Hash algorithm, digital signature, identity authentication and other technologies in the block chain, so that certificates of contracts, receipts and the like at each service stage of the floating warrant financing process under the mobile warrant can be verified accurately at high speed on the chain, authenticity and falsification of data are guaranteed, the data is published and transparent under the condition of proper identity management, the requirement of data sharing is met, the data sharing range is controlled by a data owner, leakage of confidential data of an enterprise is prevented, the efficiency of the whole process is improved, time is saved, cost is reduced, the financing process is simplified, and transaction rapid operation can be promoted.

Description

Floating pledge financing method, device and equipment under live property guarantee based on block chain

Technical Field

The present application relates to the field of blockchain technologies, and in particular, to a floating pledge financing method, device, and apparatus under a live guaranty based on a blockchain.

Background

The mobile asset guarantee refers to a guarantee set by a debtor by taking mobile assets owned by the debtor or a third person as guarantees, is one of main financing guarantee modes of the international society, and has important significance for solving the financing of small and medium-sized enterprises. The floating pledge financing under the action guarantee refers to that the pledge has the right of disposing of partial goods of the pledge at any time according to the engagement of the pledge and the pledge, but at the same time, in order to ensure that the total value of the pledge is not lower than the initial engagement amount all the time, the pledge needs to be complemented with other pledges with equivalent values.

The traditional floating pledge financing business under the action guarantee has the following problems:

the demand for quality flow supervision. The pledge service typically hands over the material to the possession of the creditor, but with the attendant inability to make full use of the material. The floating pledge business has the flowing requirement of pledge objects, but the corresponding quality right is also protected by law, and the process needs to be supervised by an authoritative supervision mechanism.

② the risk of fluctuation of material value. The floating pledge is a guarantee floating pledge property right system which takes the existing property as the object, the property value has fluctuation during the loan period, and if the property value falls too much and exceeds the minimum guarantee amount standard, the risk that the financial institution can not return money is increased.

And third, the risk of document tampering. The floating pledge business relates to a plurality of supply chain participants and belongs to enterprises with cooperation or competition, so that the risk of privacy disclosure caused by improper sharing of data exists, and the risk of illegal operation and data tampering by malicious participants also exists.

Disclosure of Invention

The application provides a floating pledge financing method under a mobile asset guarantee based on a block chain on one hand, and aims to solve the technical problems that the floating pledge financing under the existing mobile asset guarantee is difficult to monitor, low in efficiency and high in risk.

The technical scheme adopted by the application is as follows:

a floating pledge financing method under a live property guarantee based on a block chain comprises the following steps:

s1, after the financing bank node accepts the inventory financing application proposed by the lender enterprise node, the third party credit institution node signs and chains the pre-loan survey report of the lender enterprise node, and meanwhile, the lender enterprise node encrypts the relevant certification material of the pledge and sends the certification material to the financing bank node;

s2, after the financing bank node, the loan side enterprise node and the logistics storage enterprise node jointly sign the quality assurance contract and sign the chain, the financing bank node, the logistics storage enterprise node and the commodity inspection bureau node respectively issue a quality notice, a quality bill and a quality inspection report and sign the chain; the financing bank node and the loan side enterprise node jointly sign a financing contract and sign and chain, and the supply chain core enterprise node carries out endorsement signing on the financing contract;

s3, paying by the financing bank node, signing the issued paying voucher and storing the signed paying voucher in the chain;

s4, if the pledge exceeds the amount or value specified by the agreement, the enterprise node of the loan party signs and stores in the chain after submitting the delivery application aiming at the excess part, the enterprise node of the logistics storage carries out delivery examination, and issues a delivery bill under the permission of the financing bank node to carry out signature chaining;

s5, after the loan period is finished, the loan enterprise node performs repayment operation, the repayment voucher is signed and linked up, meanwhile, the financing bank node issues a pledge release supervision notice to the logistics storage enterprise node after receiving all money and signs the link up, and the logistics storage node accepts the goods withdrawal application of the loan enterprise node and handles the goods withdrawal;

s6, the financing bank node tracks and masters the quality through the Oracle node every day, the market quotation of the quality on the day is provided with a supervision property price determination/adjustment notice to carry out signature chaining, and when the price falling amplitude of the quality exceeds a certain proportion, the financing bank node instructs the loan enterprise node to complement goods or guarantee funds as required;

s7, the logistics storage enterprise node performs on-site warehouse inspection on the material according to a convention on a regular or irregular basis and issues a warehouse inspection report to perform signature chaining;

s8, if the loan is required to be extended after the loan is due, the loan enterprise node submits a loan extension application to the financing bank node, the loan extension application is handled after being approved by the financing bank node, and the loan extension application is signed and linked through the loan enterprise node; and if the loan is not cleared by the enterprise node on the loan side after the contract is expired, the financing bank node disposes the pledge according to the present price of the pledge when the default occurs and issues the pledge to dispose and confirm the upper chain of the book signature.

Further, the step S1 specifically includes the steps of:

s11, the loan enterprise node applies for the inventory financing service to the financing bank node, after the financing bank node accepts, the third-party credit institution node conducts pre-loan investigation and issues a pre-loan investigation report reflecting the loan enterprise node operation condition and the pledge information, and meanwhile, the private key of the third-party credit institution node is used for signature chaining;

s12 the loan enterprise node uses the financing bank public key to encrypt the purchase and sale contract, the freight contract and the commodity inspection certification material of the pledge and sends the encrypted contract and the freight contract and the commodity inspection certification material to the financing bank node as the basis for the financing examination of the financing bank node.

Further, in step S11, the pre-loan investigation includes investigating the borrower subject qualification, the local industry status, the operation capability, the financial status, the credit status, the enterprise qualification and operation status of the core enterprise node of the supply chain, and the logistics storage node of the pledge.

Further, the step S2 specifically includes the steps of:

s21, after the stock financing business passes the examination and approval of the financing bank node, the loan side enterprise node and the logistics storage enterprise node sign a pledge contract together, and the pledge contract is signed by the financing bank node by using a private key and then stored in a chain;

s22, the loan side enterprise node uses the private key to sign the pledge contract and then stores the pledge contract in the chain;

s23, the logistics storage enterprise node uses the private key to sign the pledge contract and stores the pledge contract in the chain;

s24, applying for quality by the loan side enterprise node, accepting the application and checking the price by the financing bank node client manager, rechecking the price by the financing bank node wind control center, examining and approving the price, forming a quality notice book after the price rechecking and approving, and carrying out private key signature on the quality notice book by the financing bank node and storing the private key signature on the chain;

s25, checking the quantity of the check library by the logistics storage enterprise node, and carrying out supervision property confirmation, wherein the logistics storage enterprise node provides a quality list, uses a private key to sign the quality list and stores the signature in a chain;

s26, the commodity inspection bureau node carries out quality inspection and issues a quality inspection report, and the private key is used for signing the quality inspection report and storing the signed quality inspection report in the chain, so that the quality guarantee required by financing takes effect;

s27, the loan side enterprise node submits a financing application to the financing bank node, the financing bank node examines the integrity, the compliance and the comprehensive authenticity of the financing application data, the financing bank node signs a financing contract with the loan side enterprise node after the examination is passed, and the financing bank node signs the financing contract by using a private key and stores the signature in a chain;

s28, the enterprise node of the loan party uses the private key to sign the financing contract and stores the signature in the chain;

and S29, endorsing the financing contract by the supply chain core enterprise node and storing the endorsement signature on the chain.

Further, the step S4 specifically includes:

s41, in the mode of the monitoring business of the mortgage of the homework, if the mortgage exceeds the amount or the value specified by the protocol, the enterprise node of the loan party submits the goods-picking application aiming at the exceeding part, and the private key of the enterprise node of the loan party is used for signing the goods-picking application and storing the signature on the chain;

s42, the logistics storage enterprise node carries out delivery inspection to ensure that the existing quality exceeds the quantity or value specified by the protocol; and the financing bank node examines whether the security of the loan enterprise node is sufficient, if so, the logistics storage enterprise node is informed to grant the loan party for picking up goods, the logistics storage enterprise node issues a picking order, and the logistics storage enterprise node private key is used for signing the picking order and storing the signing on the chain.

Further, the step S5 specifically includes:

s51, after the loan period is finished, the loan side enterprise node performs repayment operation, the financing bank node performs repayment rechecking on the repayment item, a repayment voucher is formed by the loan side, and the repayment voucher is signed by using a private key of the repayment voucher and stored in a chain;

s52, after the loan side enterprise node clears the loan amount, the financing bank node issues a pledge removal supervision notice, sends the pledge removal supervision notice to the logistics storage enterprise node, uses the private key of the financing bank node to sign the pledge removal supervision notice and stores the pledge removal supervision notice in the chain;

and S53, the loan enterprise node carries out the pickup of the pledge, the loan enterprise node sends a pickup application, and the logistics storage enterprise node receives the pickup application and handles the pickup.

Further, the step S8 specifically includes:

s81, the wind control center of the financing bank node sends a service due reminder to the loan enterprise node before the loan period is over, if the loan period is required to be extended after the loan period is over, the loan enterprise node submits a loan extension application to the financing bank node, the loan extension application is handled after the loan extension application is approved by the financing bank node, and the extension application is signed by the loan enterprise node private key and stored in a chain;

s82, if the loan enterprise node does not complete the clearing of all the loans after the contract is over, the financing bank node inquires the loan clearing condition, carries out default treatment on the insufficient part, calculates the present price of the pledge when the default happens, carries out pledge treatment to make up the loan loss, forms pledge treatment confirmation, and uses the private key of the pledge node to sign the pledge treatment confirmation and stores the pledge in the chain.

This application on the other hand still provides a floating pledge financing device under action guarantor based on block chain, includes:

the financing application module is used for signing and chaining the pre-loan survey report of the loan enterprise node through the third-party credit institution node after the financing bank node accepts the inventory financing application proposed by the loan enterprise node, and simultaneously, the loan enterprise node encrypts the relevant certification material of the material security and sends the encrypted certification material to the financing bank node;

the signing and goods quality-giving module is used for respectively issuing a quality notice book, a quality bill and a quality inspection report and signing and chaining after the financing bank node, the lender enterprise node and the logistics storage enterprise node sign a quality mortgage contract and sign and chaining; the financing bank node and the loan side enterprise node jointly sign a financing contract and sign and chain, and the supply chain core enterprise node carries out endorsement signing on the financing contract;

the paying-off module is used for paying off by the financing bank node, signing the issued paying-off certificate and storing the signed paying-off certificate in the chain;

the repayment pre-goods module is used for signing and storing in a chain after the loan enterprise node submits a delivery application for the excess part if the pledge exceeds the quantity or value specified by the protocol, carrying out delivery examination by the logistics storage enterprise node, and issuing a delivery bill for signature chaining under the permission of the financing bank node;

the loan post-repayment delivery module is used for carrying out repayment operation on the loan enterprise node after the loan period is finished, signing and chaining the repayment voucher, simultaneously issuing a pledge release supervision notice to the logistics storage enterprise node after the financing bank node receives all money, signing and chaining, and handling delivery by the logistics storage node after receiving a delivery application of the loan enterprise node;

the quality price tracking module is used for tracking and mastering the quality day market quotation and providing a supervision property price determination/adjustment notice for signature chaining by the financing bank node every day through an Oracle node, and when the price falling amplitude of the quality exceeds a certain proportion, the financing bank node instructs the loan enterprise node to complement goods or guarantee fund according to the requirement;

the warehouse inspection module is used for the logistics storage enterprise node to perform on-site warehouse inspection on the quality goods according to the appointed regular or irregular period and issue a warehouse inspection report to perform signature uplink;

the loan settlement module is used for submitting a loan settlement application to the financing bank node if the loan is required to be settled after the loan is due, handling the settlement after the loan settlement application is approved by the financing bank node, and signing and chaining the settlement application by the loan enterprise node; and if the loan is not cleared by the enterprise node on the loan side after the contract is expired, the financing bank node disposes the pledge according to the present price of the pledge when the default occurs and issues the pledge to dispose and confirm the upper chain of the book signature.

The application also provides an electronic device, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the program to realize the floating pledge financing method under the block chain-based live performance guarantee.

The application also provides a storage medium, which comprises a stored program, and when the program runs, the device on which the storage medium is located is controlled to execute the floating pledge financing method under the block chain-based movable bankbook guarantee.

Compared with the prior art, the method has the following beneficial effects:

the method makes full use of distributed account book technology, asymmetric encryption technology, intelligent contract technology, Hash algorithm, digital signature, identity authentication and other technologies in the blockchain, so that certificates, such as contracts and receipts, of all service stages of a floating warrant financing process under the production warrant can be verified accurately at high speed on the chain, the efficiency of the whole process is improved, the time is saved, the cost is reduced, the financing process is simplified, and the rapid operation of transactions can be promoted. This application block chain technique has ensured the authenticity of data and can not falsify, has realized the public transparency of data, has effectively solved the asymmetric problem of information between each participant's main part in whole financing flow, and then has reduced each participant and has taken place the possibility of violating and cheating, makes the equity in the aspect of the financing bank node obtain the guarantee, has reduced the risk, can real time monitoring matter of quality as a security situation, can effectively avoid self interests to receive the harm, promotes the cooperation to go on smoothly. By applying the block chain technology, the authenticity and the non-falsification of the data are guaranteed, the data are disclosed and transparent under the condition of conforming identity management, the requirement of data sharing is met, the data sharing range is controlled by a data owner, and the leakage of confidential data of an enterprise is prevented. Meanwhile, data of the trade process is recorded in the block chain system, so that supervision is well documented, all participating bodies are difficult to fake, the behaviors of the participating bodies can be monitored and regulated, benefits of the participating bodies can be effectively prevented from being damaged, cooperation is promoted to be smoothly carried out, and a convenient supervision approach is provided for government supervision departments. The method and the device have the advantages that through the combination of the block chain and the intelligent contract technology, the processes of transmitting and checking the document are simplified, the manpower, material, financial resources and time cost are saved, and the whole financing and transaction process is quicker, safer and more intelligent.

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

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the application and, together with the description, serve to explain the application and are not intended to limit the application. In the drawings:

fig. 1 is a network deployment diagram of the preferred embodiment of the present application.

Fig. 2 is a schematic flow chart of a floating pledge financing method under a block chain-based campaign guarantee according to the preferred embodiment of the present application.

Fig. 3 is a schematic service timing diagram of a method for floating pledge financing under a block chain-based campaign guarantee according to another preferred embodiment of the present application.

Fig. 4 is a schematic service structure diagram of a floating pledge financing method under a block chain-based campaign guarantee according to another preferred embodiment of the present application.

Fig. 5 is a block diagram of a floating pledge financing device module under the action guarantee based on the block chain according to the preferred embodiment of the present application.

Fig. 6 is a schematic block diagram of an electronic device entity according to a preferred embodiment of the present application.

Detailed Description

It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.

For the convenience of understanding, technical terms and multi-party nodes related to the blockchain network in the floating pledge financing method based on the blockchain are explained first.

The block chain technology, also called as distributed book technology, is an emerging technology in which a plurality of computer devices participate in 'accounting' together, and maintain a complete distributed database together. The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. Broadly, the blockchain technique is a completely new distributed infrastructure and computing approach that utilizes blockchain data structures to verify and store data, utilizes distributed node consensus algorithms to generate and update data, utilizes cryptography to secure data transmission and access, and utilizes intelligent contracts composed of automated script code to program and manipulate data.

The intelligent contract technology is essentially a program written in a certain computing programming language, which is stored in a container provided by a blockchain system and automatically runs under the trigger of a certain external or internal condition. The intelligent contract is reflected in the real world, the rules in the real world are realized by using a computer language, the machine is ensured to automatically execute the preset intelligent contract calculation under certain conditions, and the rules cannot be tampered once fixed. An intelligent contract is a special protocol that aims to provide, validate and execute contracts. In particular, smart contracts are an important reason why blockchains are referred to as "decentralized," which allows us to perform traceable, irreversible, and secure transactions without the need for third parties. The intelligent contract contains all information about the transaction, is subject to a binding digital protocol, and performs the resulting operation only after the requirements are met.

The asymmetric encryption technology is different from symmetric encryption, keys used in the encryption and decryption processes of the asymmetric encryption are different and are divided into public keys and private keys, when the public keys are used for encrypting data, only the corresponding private keys can be used for decryption, when the private keys are used for encrypting data, only the corresponding public keys can be used for decryption, two users are supposed to encrypt and exchange data, the public keys are exchanged by the two users, one party is encrypted by the public key of the other party during use, and the other party can be used for decryption by the private key of the other party. Suppose A encrypts the message by the public key of B and signs by the private key of A, B receives the message, firstly verifies the signature by the public key of A, and decrypts the message by the private key of B after confirmation. Since the public key can be made public, the user only needs to keep the own private key, so the distribution of the encryption key becomes very simple. Meanwhile, because the private key of each user is unique, other users can verify whether the source of the information is real or not through the public key of the information sender, and the sender can be ensured not to deny that the information is sent once through the digital signature. Currently, the asymmetric encryption algorithm is usually used as RSA algorithm and elliptic curve algorithm (ECSDA).

The Hash algorithm, which is a very fundamental and important computer algorithm, can map binary plaintext strings of any length into shorter binary strings (Hash values) of fixed length, and different plaintext is difficult to map into the same Hash value. An excellent Hash algorithm can implement the following functions: forward fast, reverse difficult, input sensitive, collision avoidance, and therefore, the Hash algorithm is also called fingerprint (fingerprint) or digest (digest).

The digital identity is authenticated by adopting a digital signature technology, the digital signature utilizes the principle of cryptography, has uniqueness relative to a signer during use, and is computationally infeasible to forge a digital signature, so that the real identity of the signer can be identified through the digital signature, and the identity cannot be repudiated.

Digital time-stamp (digital time-stamp) is a technology for safely confirming and efficiently maintaining the transaction or the specific time of the transaction in the network, and has legal effectiveness and no way for any organization or person to tamper with the timestamp to confirm the transaction or the time and date of the transaction. All nodes participating in transaction data recording in the block chain can guarantee the occurrence time of the written block data to be real and effective through time verification of the digital time stamps, and therefore reliable time guarantee is provided for the data input sequence and the chain storage in the block chain. The time stamp ensures that the occurrence time of the historical transaction has non-falsification and non-repudiation, and all historical data can be sequentially traced through the time stamp.

The digital certificate is an electronic document issued by a CA authentication center, is a string of numbers capable of indicating network user identity information, and provides a way of verifying the identity of a network user on a computer network, so the digital certificate is also called digital identification. The digital certificate guarantees the integrity and safety of information and data in the computer network traffic of network users in an encrypted or decrypted form.

The consensus mechanism is used for completing the verification and confirmation of the transaction in a short time through the voting of special nodes; for a transaction, if several nodes with irrelevant benefits can achieve consensus, we can consider that the whole network can achieve consensus for the node.

Aiming at the defects in the prior art, the technical scheme adopted by the application is divided into three parts, namely a block chain subsystem, an identity management subsystem and an intelligent contract subsystem, wherein:

block chain subsystem: as a distributed account book, the block chain is used for recording complete transaction data, the consistency of the data is guaranteed through a consensus mechanism, the credit of a mathematical calculation rather than a participant is used as a guarantee, the transaction data is difficult to be tampered, the credibility of the data is guaranteed, and a source tracing basis is provided.

The identity management subsystem: by means of cryptographic algorithms such as asymmetric encryption and hash functions, identity registration, data updating, data query and identity logout functions are provided for supply chain financial service participants. And access permission under the function authority is provided for different participants, so that the data privacy and safety are guaranteed, and the data sharing of the participants is facilitated.

The intelligent contract subsystem: the system is used for realizing the automatic execution of the whole transaction process, and automatically executing the next step when the transaction triggering condition is met, so that the risk caused by manual operation is avoided.

As shown in the network deployment diagram of fig. 1, the network node of the floating pledge financing service under the action of the block chain includes:

(ii) Oracle node (prophetic machine): a platform for providing external information, which can allow the block chain to be connected to any existing API, and can import, store and export information related to network nodes on the block chain, thereby realizing dynamic acquisition of the information;

loan side enterprise nodes (non-core enterprises in the supply chain): there are enterprises in the supply chain that have loan requirements.

Third, financing bank node: a financial institution that provides loans to lenders' enterprises.

Fourthly, the node of the commodity inspection bureau: government agencies that perform quality checks on goods.

Fifthly, logistics storage enterprise nodes: and a third-party enterprise providing material transportation and supervision.

Sixthly, third-party credit establishment nodes: and the intermediate legal person unit provides enterprise and personal credit information consultation, rating and inquiry services for enterprise and personal credit information users and operates independently.

Seventhly, supplying chain core enterprise nodes: and providing endorsements for the non-core enterprise node loans of the supply chain.

As shown in fig. 2, a preferred embodiment of the present application provides a blockchain-based floating pledge financing method under a live guaranty, which includes the steps of:

s7, the logistics storage enterprise node performs on-site warehouse inspection on the material according to appointed regular or irregular periods and issues a warehouse inspection report for signature chaining, so that the financing bank node can really and timely master the real-time situation of the material as a security;

The embodiment provides a floating pledge financing method under a movable guaranty based on a block chain, which makes full use of distributed account book technology, asymmetric encryption technology, intelligent contract technology, Hash algorithm, digital signature, identity authentication and other technologies in the block chain, so that certificates, such as contracts, receipts and the like of each business stage of the floating pledge financing process under the movable guaranty can be verified accurately at high speed on the chain, the efficiency of the whole process is improved, the time is saved, the cost is reduced, the financing process is simplified, and the rapid operation of transactions can be promoted. The embodiment applies the block chain technology, guarantees authenticity and non-falsification of data, realizes public and transparent data, effectively solves the problem of information asymmetry between all participating main bodies in the whole financing process, further reduces the possibility of default and fraud of all participating parties, ensures rights and interests of financing bank nodes, reduces risks, can monitor the condition of the pledge in real time, can effectively avoid damage to own interests, and promotes smooth cooperation. By applying the block chain technology, the authenticity and the non-falsification of the data are guaranteed, the data are disclosed and transparent under the condition of conforming identity management, the requirement of data sharing is met, the data sharing range is controlled by a data owner, and the leakage of confidential data of an enterprise is prevented. Meanwhile, data of the trade process is recorded in the block chain system, so that supervision is well documented, all participating bodies are difficult to fake, the behaviors of the participating bodies can be monitored and regulated, benefits of the participating bodies can be effectively prevented from being damaged, cooperation is promoted to be smoothly carried out, and a convenient supervision approach is provided for government supervision departments. According to the embodiment, through the combination of the block chain and the intelligent contract technology, the processes of transmitting and auditing the documents are simplified, the manpower, material, financial resources and time cost are saved, and the whole financing and transaction process is quicker, safer and more intelligent.

In a preferred embodiment of the present application, the step S1 specifically includes the steps of:

Before the quality assurance financing, the loan enterprise node applies for the inventory financing service to the financing bank node, after the financing bank node accepts, the third-party credit institution node performs pre-loan survey report and signs and links the chain, meanwhile, the loan enterprise node encrypts the purchase and sale contract, the freight contract and the commodity inspection certification material of the quality assurance object by using the financing bank public key and sends the encrypted purchase and sale contract, the freight contract and the commodity inspection certification material to the financing bank node.

In a preferred embodiment of the present application, the step S2 specifically includes the steps of:

In the signing and goods quality-giving process, related document information is published on a chain after being digitally signed by all related nodes in the collaborative process by a financing bank node, a lending party enterprise node, a logistics storage enterprise node, a commodity inspection bureau node and a supply chain core enterprise node, and through the consensus mechanism and repeated confirmation of all the nodes, the people keep accounts, the information is guaranteed to be untrustworthy and transparently disclosed, the completeness, the authenticity, the reliability, the real-time controllability and the financing risk are guaranteed to be complete, undamaged, reliable and controllable, and the financing risk is reduced.

In a preferred embodiment of the present application, the step S4 specifically includes:

In the process of delivering goods before repayment, if the pledge exceeds the amount or value specified by the protocol, the loan enterprise node submits delivery applications for the excess part, the delivery applications are signed by using the loan enterprise node private key and stored in the chain, meanwhile, the logistics storage enterprise node carries out delivery audit, and a delivery bill is issued under the permission of the financing bank node for signature chaining.

In a preferred embodiment of the present application, the step S5 specifically includes:

In the process of withdrawing goods after repayment, the loan enterprise node performs repayment operation, the repayment voucher is signed and linked up, meanwhile, the financing bank node issues a pledge release supervision notice to the logistics storage enterprise node after receiving all money and signs the linked up, the logistics storage enterprise node accepts the goods withdrawal application of the loan enterprise node to handle the goods withdrawal, because relevant information related in the process is published on the chain after being digitally signed by the relevant nodes, and through the common recognition mechanism and repeated confirmation of the nodes, the human accounts, the information can be guaranteed to be untrustworthy and transparently disclosed, the integrity, the trueness, the reliability, the real-time controllability and the bank loan risk are guaranteed, and the bank loan risk is reduced.

In a preferred embodiment of the present application, the step S8 further includes:

In the embodiment, if the loan is required to be extended after the loan is due, the loan enterprise node submits a loan extension application to the financing bank node, the loan extension application is handled after being approved by the financing bank node, and the loan extension application is signed and linked through the loan enterprise node; and if the loan party enterprise node does not clear all the loans after the contract is over, the financing bank node disposes the pledge according to the present price of the pledge when default occurs and issues the pledge disposal confirmation book signature upper chain, and after the clearing work is finished, the loan contract is finished. Therefore, the embodiment not only gives the loan side enterprise node sufficient repayment opportunity, but also ensures the loss minimization of the financing bank node, and because the related information in the process is published on the chain after being digitally signed by each related node, through the consensus mechanism and repeated confirmation of each node, the people keep accounts, ensure the non-falsification and transparent disclosure of the information, ensure the integrity, the trueness, the reliability, the real-time controllability and the reduction of the loan risk of the bank.

As shown in fig. 3 and 4, a preferred embodiment of the present application further provides a block chain-based floating pledge financing method under a live guaranty, including the steps of:

s1, the loan enterprise node applies for the inventory financing service to the financing bank node, after the financing bank node accepts, the third-party credit institution node conducts pre-loan investigation and issues a pre-loan investigation report reflecting the loan enterprise node operation condition and the pledge information, and meanwhile, the private key of the third-party credit institution node is used for signature chaining;

s2, the loan side enterprise node encrypts and sends the purchase and sale contract, the freight contract and the commodity inspection certification material of the pledge of the loan side enterprise node to the financing bank node by using the financing bank public key, and the encrypted and sent material is used as the basis for financing examination of the financing bank node;

s3, after the stock financing business passes the examination and approval of the financing bank node, the loan side enterprise node and the logistics storage enterprise node sign a pledge contract together, and the pledge contract is signed by the financing bank node by using a private key and then stored in a chain;

s4, the loan side enterprise node uses the private key to sign the pledge contract and then stores the pledge contract in the chain;

s5, the logistics storage enterprise node uses the private key to sign the pledge contract and stores the pledge contract in the chain;

s6, applying for quality by the loan side enterprise node, accepting the application and checking the price by the financing bank node client manager, rechecking the price by the financing bank node wind control center, examining and approving the price, forming a quality notice book after the price rechecking and approving, and carrying out private key signature on the quality notice book by the financing bank node and storing the private key signature on the chain;

s7, checking the quantity of the check library by the logistics storage enterprise node, and carrying out supervision property confirmation, wherein the logistics storage enterprise node provides a quality list, uses a private key to sign the quality list and stores the signature in a chain;

s8, the commodity inspection bureau node carries out quality inspection and issues a quality inspection report, and the private key is used for signing the quality inspection report and storing the signed quality inspection report in the chain, so that the quality guarantee required by financing takes effect;

s9, the loan side enterprise node submits a financing application to the financing bank node, the financing bank node examines the integrity, the compliance and the comprehensive authenticity of the financing application data, the financing bank node signs a financing contract with the loan side enterprise node after the examination is passed, and the financing bank node signs the financing contract by using a private key and stores the signature in a chain;

s10, the enterprise node of the loan party uses the private key to sign the financing contract and stores the signature in the chain;

s11, endorsement signing is carried out on the financing contract by the supply chain core enterprise node and the endorsement signing is stored in the chain;

s12, paying by the financing bank node, signing the issued paying voucher and storing the signed paying voucher in the chain;

s13, in the mode of the monitoring business of the mortgage of the homework, if the mortgage exceeds the amount or the value specified by the protocol, the enterprise node of the loan party submits the goods-picking application aiming at the exceeding part, and the private key of the enterprise node of the loan party is used for signing the goods-picking application and storing the signature on the chain;

s14, the logistics storage enterprise node carries out delivery inspection to ensure that the existing quality exceeds the quantity or value specified by the protocol; the financing bank node examines whether the credit side enterprise node guarantees money is sufficient, if yes, the logistics storage enterprise node is informed to grant the credit side to pick up goods, the logistics storage enterprise node issues a pick-up bill, and the logistics storage enterprise node private key is used for signing the pick-up bill and storing the signature on the chain;

s15, after the loan period is finished, the loan side enterprise node performs repayment operation, the financing bank node performs repayment rechecking on the repayment item, a repayment voucher is formed by the loan side, and the repayment voucher is signed by using a private key of the repayment voucher and stored in a chain;

s16, after the loan side enterprise node clears the loan amount, the financing bank node issues a pledge removal supervision notice, sends the pledge removal supervision notice to the logistics storage enterprise node, uses the private key of the financing bank node to sign the pledge removal supervision notice and stores the pledge removal supervision notice in the chain;

and S17, the loan enterprise node carries out the pickup of the pledge, the loan enterprise node sends a pickup application, and the logistics storage enterprise node receives the pickup application and handles the pickup.

S18, the financing bank node tracks and masters the quality through the Oracle node every day, the market quotation of the quality on the day is provided with a supervision property price determination/adjustment notice to carry out signature chaining, and when the price falling amplitude of the quality exceeds a certain proportion, the financing bank node instructs the loan enterprise node to complement goods or guarantee funds as required;

s19, the logistics storage enterprise node performs on-site warehouse inspection on the material according to a convention on a regular or irregular basis and issues a warehouse inspection report to perform signature chaining;

s20, the wind control center of the financing bank node sends a service due reminder to the loan enterprise node before the loan period is over, if the loan period is required to be extended after the loan period is over, the loan enterprise node submits a loan extension application to the financing bank node, the loan extension application is handled after the loan extension application is approved by the financing bank node, and the extension application is signed by the loan enterprise node private key and stored in a chain;

s21, if the loan enterprise node does not complete the clearing of all the loans after the contract is over, the financing bank node inquires the loan clearing condition, carries out default treatment on the insufficient part, calculates the present price of the pledge when the default happens, carries out pledge treatment to make up the loan loss, forms pledge treatment confirmation, and uses the private key of the pledge node to sign the pledge treatment confirmation and stores the pledge in the chain.

After the return clearing work is finished, the loan contract is finalized.

As shown in fig. 5, the preferred embodiment of the present application further provides a blockchain-based floating pledge financing apparatus under a live guaranty, including:

As shown in fig. 6, another embodiment of the present application further provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the program, the processor implements the method for floating pledge financing under a block chain-based event guaranty.

Another embodiment of the present application further provides a storage medium, where the storage medium includes a stored program, and when the program runs, the apparatus on which the storage medium is located is controlled to execute the method for floating pledge financing under a block chain-based campaign guaranty.

The floating pledge financing process under the live labor guarantee based on the block chain is completed in a supply chain financial platform based on the block chain, in order to meet the requirements of a transaction process on safety, efficiency and other performances, the block chain platform is usually constructed in a union chain mode, and loan party enterprise nodes, supply chain core enterprise nodes, financing bank nodes, business inspection bureau nodes, logistics storage enterprise nodes and third party credit agency nodes are added into the union chain through identity registration authentication, trade data sharing is achieved in the platform, data recording is conducted in a non-falsification mode, and floating pledge financing efficiency and reliability are improved.

The method adopts a calculation programming language to preset a program, automatically runs when triggered by certain external or internal conditions, and executes the next operation only when the preset conditions are met, so that the machine automatically executes the preset intelligent contract calculation under certain conditions, and once the rules are fixed, the rules cannot be tampered, thereby ensuring the normalization of the business files and the correctness of the application operation. The block chain technology can improve the verification efficiency of banks, reduce bank risks, standardize the operation flow of nodes of manufacturing enterprises, improve the efficiency of financing business and standardize business flow.

It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.

The functions of the method of the present embodiment, if implemented in the form of software functional units and sold or used as independent products, may be stored in one or more storage media readable by a computing device. Based on such understanding, part of the contribution to the prior art of the embodiments of the present application or part of the technical solution may be embodied in the form of a software product stored in a storage medium and including several instructions for causing a computing device (which may be a personal computer, a server, a mobile computing device or a network device) to execute all or part of the steps of the method described in the embodiments of the present application. 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 description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A floating pledge financing method under a live property guarantee based on a block chain is characterized by comprising the following steps:

2. The method of claim 1, wherein the step S1 specifically comprises the steps of:

3. The method of claim 2, wherein the pre-loan investigation comprises investigation of borrower subject qualification, industry status, business capability, financial status, reputation status, enterprise qualification and business status of core enterprise nodes of the supply chain, and logistics storage nodes of the pledge goods in step S11.

4. The method of claim 1, wherein the step S2 specifically comprises the steps of:

5. The method of claim 1, wherein the step S4 specifically includes:

6. The method of claim 1, wherein the step S5 specifically includes:

7. The method of claim 1, wherein the step S8 specifically includes:

8. The utility model provides a floating pledge financing device under action guarantee based on block chain which characterized in that includes:

9. An electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the blockchain-based campaign wagering method according to any of claims 1 to 7.

10. A storage medium including a stored program, characterized in that, when the program is executed, a device in which the storage medium is located is controlled to execute the floating pledge financing method under blockchain-based campaign wagering method according to any one of claims 1 to 7.