CN113657995A - Block chain-based warehouse receipt pledge financing method, system, equipment and storage medium - Google Patents
Block chain-based warehouse receipt pledge financing method, system, equipment and storage medium Download PDFInfo
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Abstract
The invention discloses a block chain based warehouse receipt pledge financing method, a block chain based warehouse receipt pledge financing system, equipment and a storage medium. And, considering that the pledge financing is carried out in the storage finance field, the electronic warehouse receipt is endorsed by the logistics storage node. Simultaneously, can guarantee authenticity and traceability of off-line matter chain information through internet of things, just can't change behind the chain of deposit information, realize the whole visual management of matter of deposit, the combination of RFID chip and block chain guarantees that matter of deposit state is controlled, effectively reduces matter of deposit risk.
Description
Technical Field
The present invention relates to the field of blockchain technology, and in particular, to a blockchain-based method, system, device, and computer-readable storage medium for warranty pledge financing.
Background
The warehouse style pledge loan refers to a credit business that a bank signs a cooperative agreement with a borrower (a shoker) and a custodian (a warehousing company), and takes a stock warehouse style owned by the borrower or owned by a third party issued by the custodian as a pledge to handle the loan for the borrower. As a new business, the warehouse warrant pledge loan is a financial innovation product and a logistics system service, and can enable warehousing enterprises, financial institutions and third-party supervision companies to obtain profits. The main process of the existing warehouse receipt pledge financing mode is as follows:
and X1, loan enterprises select warehousing enterprises to cooperate, the warehousing acceptance and protection requirements of goods are determined, and the two parties sign warehousing agreements. And after the warehouse is checked, confirmed and received, opening a warehouse list.
And X2, applying the loan to the bank by the loan enterprise by taking the bill issued by the warehousing enterprise as a certificate, and verifying the content of the bill by the bank.
And (4) after the verification of the X3, the loan enterprise, the bank and the warehousing enterprise sign an agreement to clarify the responsibilities of the parties.
And X4, the bank sends loan to the loan enterprise according to the goods value in a fixed proportion.
X5, during the period of the cargo pledge, the use right of the cargo is owned by the bank under the supervision of the warehousing enterprise. After the deposit of the warehouse receipt is finished, the warehouse receipt is returned to the owner enterprise, and if the loan enterprise violates the rules, the bank has the right to dispose the goods.
The current warehouse warrant pledge financing mode has the following problems:
1. difficulty in circulation of the warehouse bill: the procedures of splitting and transferring the bills of storage are very complex, new bills of storage, re-endorsement, change of all persons of the existing bills of storage and the like need to be newly developed, the operations need to be participated in by multiple parties, the process is complicated, the efficiency is low, the safety is weak, and the risks of loss, tampering and the like of the bills of storage are easily caused.
2. The trust mechanism is not sufficient: in the actual business, the problem of difficult performance, counterfeit warehouse bills and repeated mortgage often occurs in warehouse bill mortgage loan, and even three sets of behaviors of arbitrage, exchange and tax are realized through fictional transaction, which seriously violates the commodity transaction market rules and moral bottom line.
3. Pledge risk: the problems of the nature and quality of the material to be extruded can increase the difficulty of supervision and transportation of logistics storage companies, so that the operation cost is increased, and the loss of the material to be extruded in the transportation process is difficult to avoid. The risk of title definition is mainly reflected in the situations that the loan enterprise uses the loophole repeated mortgage which is difficult to be clearly attributed by the title of the mortgage, or the common property of unilateral mortgage, and the like, and brings great economic loss to the warehousing company and the bank.
Disclosure of Invention
The invention provides a block chain-based warehouse receipt pledge financing method, a system, equipment and a computer-readable storage medium, which are used for solving the defects of the conventional warehouse receipt pledge financing mode.
According to one aspect of the invention, a block chain-based warehouse sheet pledge financing method is provided, which comprises the following steps:
step S1: the logistics storage node checks the credit worthiness condition and the pledge of the loan party node, signs a bill pledge supervision protocol with the loan party node after the check is passed, performs double check on the receipt by adopting two modes of RFID scanning check and manual check after the pledge is received, issues an electronic bill after the goods are consistent with the contract, and records the bill pledge supervision protocol and the electronic bill onto a block chain;
step S2: the financial node evaluates the credit worthiness condition of the logistics storage node;
step S3: the financial node and the lender node sign a warranty pledge contract, the signature is confirmed and then recorded on the block chain, the logistics storage node freezes the electronic manifest, and a creditor of the electronic manifest is changed into the financial node;
step S4: after the loan party node pays the loan to the financial node due, the logistics storage node unfreezes the electronic bill, and after the pledge is transported to the loan party node, the electronic bill is deleted and the transaction information is reserved.
Further, the step S1 specifically includes the following steps:
step S11: after negotiation supervision modes and warehouse order development details under the logistics storage node and the lender node line, the logistics storage node deploys a first entrusting contract for investigating the credit worthiness of the lender node on a block chain, encrypts the entrusting contract by using a private key of the logistics storage node, sends the entrusting contract to a third party credit worthiness organization node, and records the entrusting contract on the block chain;
step S12: the third party credit worthiness institution node verifies by using the public key of the logistics storage node, confirms that the first entrusting contract is drawn by the logistics storage node and confirms that the entrusting contract content is correct, and then performs signature confirmation by using the private key of the third party credit worthiness institution node and records the signature confirmation on the block chain;
step S13: the third-party credit worthiness institution node submits a credit worthiness inquiry request list to the Oracle node to request for calling credit investigation data of the loan party node, the Oracle node sends required credit investigation data to the third-party credit worthiness institution node after receiving the credit investigation data, the third-party credit worthiness institution node finishes and generates a credit worthiness assessment report about the loan party node after receiving the credit investigation data, and sends the credit worthiness assessment report to the logistics storage node after signature confirmation and uploads the credit assessment report to the block chain;
step S14: the logistics storage node determines whether to cooperate with the lender node or not according to the credit assessment report of the lender node, if the loan assessment report is rejected, the transaction is terminated, and if the loan assessment report is agreed, the mortgage is continuously examined whether the mortgage meets the conditions or not;
step S15: the logistics storage node deploys a commodity inspection application form on the block chain, the commodity inspection application form is sent to the quality inspection mechanism node after signature confirmation and recorded on the block chain, the quality inspection mechanism node verifies the information of the goods, and after the goods are inspected to be qualified, the commodity inspection certificate is signed and sent to the logistics storage node and uploaded to the block chain;
step S16: after the logistics storage node receives the commodity inspection qualified certificate and confirms that the pledge meets the conditions, a warehouse receipt pledge supervision protocol is deployed on the block chain, the supervision protocol is encrypted by using a private key of the loan party node and then sent to the loan party node, the loan party node is recorded on the block chain, the loan party node is verified by using a public key of the logistics storage node, the supervision protocol is determined to be formulated by the logistics storage node, the content is correct, and the private key of the loan party node is used for signature confirmation and recording the signature confirmation to the block chain;
step S17: the logistics storage node negotiates insurance application details with the insurance company node, the insurance company node generates a policy according to the quantity and quality of goods, the policy is recorded on the block chain after signature confirmation and informs the loan party node, and the loan party node signs and confirms and records the policy on the block chain after receiving the policy and confirming that the policy is correct;
step S18: after preparing goods, the loan side node generates a packing list, signs the list, records the list to a block chain, informs the logistics storage node, and sets an RFID (radio frequency identification) tag on a packing box to input goods information;
step S19: the logistics storage node downloads the goods notice in advance, after the pledge arrives at a station and is unloaded, the pledge is scanned and checked by the RFID handheld machine and is matched with manual comparison to carry out double checking on the goods bill, after the goods are ensured to be consistent with the contract, the Oracle node records the note of the pledge to the block chain, the pledge enters the warehouse after the signature of the logistics storage node is confirmed, the electronic warehouse is issued, and the note is recorded to the block chain after the signature is carried out on the electronic warehouse.
Further, the step S2 specifically includes the following steps:
step S21: the loan party node deploys the deposit loan service application form on the block chain, encrypts the application form and the deposit supervision protocol by using a private key of the loan party node, transmits the encrypted application form and the deposit supervision protocol to the financial node, and records the encrypted application form and the deposit supervision protocol on the block chain;
step S22: the financial node deploys a second entrusting contract for investigating the credit worthiness of the logistics storage node on the blockchain, encrypts the contract by using a private key of the financial node, sends the encrypted contract to a third-party credit worthiness organization node, and records the encrypted contract on the blockchain;
step S23: the third party credit worthiness institution node verifies by using the public key of the financial node, and after the second entrusting contract is determined to be formulated by the financial node and the entrusting contract content is determined to be correct, signature confirmation is carried out by using the private key of the third party credit worthiness institution node and the second entrusting contract content is recorded to the block chain;
step S24: the third-party credit worthiness organization node submits a qualification inquiry request list to the Oracle node to request to call credit investigation data of the logistics storage node;
step S25: after receiving the qualification inquiry request list, the Oracle node sends the required credit investigation data to a third-party credit investigation institution node;
step S26: after receiving credit investigation data, the third-party credit worthiness institution node arranges the credit worthiness data aiming at the logistics storage node to generate a credit worthiness evaluation report, sends the credit worthiness evaluation report to the financial node after signature confirmation, and uploads the credit worthiness evaluation report to a block chain;
step S27: and the financial node determines whether to provide loan or not according to the credit worthiness evaluation report of the logistics storage node, if the loan is refused, the transaction is terminated, and if the loan is agreed, the subsequent steps are continued.
Further, the step S3 specifically includes the following steps:
step S31: the financial node calculates the available loan amount according to the pledge goods value, and after the loan amount and the pledge rate are agreed with the lender node, the financial node deploys a warehouse pledge loan contract on the block chain, encrypts the contract by using a private key of the financial node and sends the contract to the lender node;
step S32: the loan party node uses the public key of the finance node to verify, and uses the private key of the loan party node to sign and confirm and record the signature to the block chain after verifying that the content of the loan contract is correct;
step S33: after the financial node checks that the electronic warehouse receipt is correct, a loan is issued to the loan side node according to a contract according to a preset proportion of the goods value on the basis of agreement and procedure;
step S34: the Oracle node records the transfer record of remittance from the finance node to the lender node on the block chain, and the lender node confirms that the money is received and then carries out signature confirmation and records the transfer record on the block chain;
step S35: the logistics storage node freezes the electronic warehouse bills, changes the creditors of the warehouse bills into financial nodes, and chains the goods storage monitoring and management process regularly.
Further, the step S4 specifically includes the following steps:
step S41: the loan party node pays the payment to the financial node on time according to the appointed time and settlement mode of the loan contract;
step S42: the Oracle node records the transfer record of remittance from the loan party node to the financial node on the block chain, and the financial node performs signature confirmation after confirming that the money is received and records the transfer record on the block chain;
step S43: the loan party node sends a mortgage releasing application to the logistics storage node and uploads the mortgage releasing application to the block chain;
step S44: after confirming repayment information, the logistics storage node unfreezes the electronic warehouse bill and transfers the creditor from the financial node to a loan party node;
step S45: the logistics storage node deploys a delivery list on the block chain, signs the delivery list, sends the signing result to the lender node and uploads the signing result to the block chain, and meanwhile, the monitoring on the pledge is released;
step S46: after the logistics storage node transports the goods to the appointed place of the lender node, the lender node is informed and sent to a goods notification sheet to wait for the lender node to confirm;
step S47: the Oracle node records the arrival notice to the block chain, and the lender node confirms that the pledge is received and then carries out signature confirmation and records the receipt to the block chain;
step S48: after the pledge is transported to the designated place of the loan party node, the warehouse slip pledge information is invalid, and in order to prevent the warehouse slip from flowing into the block chain again for transaction, the service node deletes the electronic warehouse slip, but still retains the transaction information for tracing.
Further, the following contents are also included:
step S5: if the loan party node is due and unpaid in loan, the finance node urges to accept the loan party node through the logistics storage node, if the loan party node still does not pay the loan within the period of urging, the logistics storage node has the right to handle the pledge for paying the loan, and the Oracle node records the urging notice and the bad behavior of the loan party node to the block chain to supplement credit investigation information of the loan party node.
Further, the step S5 specifically includes the following steps:
step S51: if the loan party node does not pay the goods money to the financial node on time according to the time and settlement mode agreed on loan contract, the financial node deploys a loan overdue hastening receipt notice on the block chain, stipulates the latest repayment deadline and the overdue due payment default, sends the notice to the logistics storage node after signature confirmation, and records the notice on the block chain;
step S52: the logistics storage node informs the lender node after receiving the acceptance notification, if the lender node repays and pays default money within the latest repayment period, the warehouse node performs release to withdraw the pledge, and if the repayment is impossible, the logistics storage node has the right to dispose the pledge to repay the loan;
step S53: the logistics storage node is disposed according to the current price of goods and the value of a warehouse receipt strictly, and pays the payment of the goods to the financial node on time;
step S54: the Oracle node records the transfer record of remittance from the logistics storage node to the financial node to the block chain, and the financial node performs signature confirmation after confirming that the payment is received and records the signature confirmation to the block chain;
step S55: and the Oracle node records the notification of overdue loan collection and the bad behavior of the loan party node to the block chain so as to supplement credit investigation information of the loan party node.
In addition, the invention also provides a warehouse receipt pledge financing system based on the block chain, which comprises:
the credit worthiness evaluation module is used for evaluating the credit worthiness condition of the loan party node by the logistics storage node and evaluating the credit worthiness condition of the logistics storage node by the financial node;
the supervision protocol deployment module is used for signing the warehouse receipt pledge supervision protocol by the logistics storage node and the loan party node;
the warehouse receipt generation module is used for issuing the electronic warehouse receipt after the logistics warehouse storage nodes ensure that the goods are consistent with the contract;
the loan contract deployment module is used for the financial node and the lender node to sign a warehouse receipt pledge loan contract;
the warehouse bill freezing module is used for freezing the electronic warehouse bills by the logistics warehouse nodes and changing the creditors of the electronic warehouse bills into financial nodes;
the repayment management module is used for repaying the loan to the financial node when the lender node is due;
and the warehouse bill escorting module is used for unfreezing the electronic warehouse bill by the logistics storage node.
In addition, the present invention also provides an apparatus comprising a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method by calling the computer program stored in the memory.
In addition, the present invention also provides a computer readable storage medium for storing a computer program for conducting a warehousing pledge financing based on a blockchain, the computer program, when executed on a computer, performing the steps of the method as described above.
The invention has the following effects:
according to the block chain-based warehouse receipt pledge financing method, the electronic warehouse receipt is used as a pledge by using the block chain technology, the transaction of the warehouse receipt is automatically executed by the intelligent contract, and the block chain-based warehouse receipt pledge financing method has the characteristics of high normalization, strong operability, high circulation speed, more convenient implementation process and the like. And, considering that the pledge financing is carried out in the storage finance field, the electronic warehouse receipt is endorsed by the logistics storage node. Simultaneously, can guarantee authenticity and traceability of off-line matter chain information through internet of things, just can't change behind the chain of deposit information, realize the whole visual management of matter of deposit, the combination of RFID chip and block chain guarantees that matter of deposit state is controlled, effectively reduces matter of deposit risk.
In addition, the block chain-based warehouse receipt pledge financing system, the block chain-based warehouse receipt pledge financing equipment and the computer-readable storage medium have the advantages.
In addition to the objects, features and advantages described above, other objects, features and advantages of the present invention are also provided. The present invention will be described in further detail below with reference to the drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, together with the description, serve to explain the invention and not to limit the invention. In the drawings:
fig. 1 is a flow chart of a block chain-based warehouse warranty financing method according to a preferred embodiment of the present invention.
Fig. 2 is a schematic view of a sub-flow of step S1 in fig. 1.
Fig. 3 is a sub-flowchart of step S2 in fig. 1.
Fig. 4 is a sub-flowchart of step S3 in fig. 1.
Fig. 5 is a sub-flowchart of step S4 in fig. 1.
Fig. 6 is a flow chart of a block chain-based warehouse warranty financing method according to another embodiment of the present invention.
Fig. 7 is a sub-flowchart of step S5 in fig. 6.
Fig. 8 is a block diagram of a block chain-based warehouse warranty financing system according to another embodiment of the present invention.
Detailed Description
The embodiments of the invention will be described in detail below with reference to the accompanying drawings, but the invention can be embodied in many different forms, which are defined and covered by the following description.
As shown in fig. 1, a preferred embodiment of the present invention provides a blockchain-based method for financing a deposit of a warehouse receipt, which includes the following steps:
step S1: the logistics storage node checks the credit worthiness condition and the pledge of the loan party node, signs a bill pledge supervision protocol with the loan party node after the check is passed, performs double check on the receipt by adopting two modes of RFID scanning check and manual check after the pledge is received, issues an electronic bill after the goods are consistent with the contract, and records the bill pledge supervision protocol and the electronic bill onto a block chain;
step S2: the financial node evaluates the credit worthiness condition of the logistics storage node;
step S3: the financial node and the lender node sign a warranty pledge contract, the signature is confirmed and then recorded on the block chain, the logistics storage node freezes the electronic manifest, and a creditor of the electronic manifest is changed into the financial node;
step S4: after the loan party node pays the loan to the financial node due, the logistics storage node unfreezes the electronic bill, and after the pledge is transported to the loan party node, the electronic bill is deleted and the transaction information is reserved.
It can be understood that the block chain-based warehouse receipt pledge financing method of the embodiment utilizes the block chain technology to take the electronic warehouse receipt as pledge, and the intelligent contract automatically executes the transaction of the warehouse receipt, and has the characteristics of high standardization, strong operability, high circulation speed, more convenient implementation process and the like. And, considering that the pledge financing is carried out in the storage finance field, the electronic warehouse receipt is endorsed by the logistics storage node. Simultaneously, can guarantee authenticity and traceability of off-line matter chain information through internet of things, just can't change behind the chain of deposit information, realize the whole visual management of matter of deposit, the combination of RFID chip and block chain guarantees that matter of deposit state is controlled, effectively reduces matter of deposit risk.
It can be understood that, as shown in fig. 2, the step S1 specifically includes the following steps:
step S11: after negotiation supervision modes and warehouse order development details under the logistics storage node and the lender node line, the logistics storage node deploys a first entrusting contract for investigating the credit worthiness of the lender node on a block chain, encrypts the entrusting contract by using a private key of the logistics storage node, sends the entrusting contract to a third party credit worthiness organization node, and records the entrusting contract on the block chain;
step S12: the third party credit worthiness institution node verifies by using the public key of the logistics storage node, confirms that the first entrusting contract is drawn by the logistics storage node and confirms that the entrusting contract content is correct, and then performs signature confirmation by using the private key of the third party credit worthiness institution node and records the signature confirmation on the block chain;
step S13: the third-party credit worthiness institution node submits a credit worthiness inquiry request list to the Oracle node to request for calling credit investigation data of the loan party node, the Oracle node sends required credit investigation data to the third-party credit worthiness institution node after receiving the credit investigation data, the third-party credit worthiness institution node finishes and generates a credit worthiness assessment report about the loan party node after receiving the credit investigation data, and sends the credit worthiness assessment report to the logistics storage node after signature confirmation and uploads the credit assessment report to the block chain; the credit investigation data of the loan party node comprises information such as enterprise financial background, loan condition, credit rating and the like;
step S14: the logistics storage node determines whether to cooperate with the lender node or not according to the credit assessment report of the lender node, if the loan assessment report is rejected, the transaction is terminated, and if the loan assessment report is agreed, the mortgage is continuously examined whether the mortgage meets the conditions or not;
step S15: the logistics storage node deploys a commodity inspection application form on the block chain, the commodity inspection application form is sent to the quality inspection mechanism node after signature confirmation and recorded on the block chain, the quality inspection mechanism node verifies the information of the goods, and after the goods are inspected to be qualified, the commodity inspection certificate is signed and sent to the logistics storage node and uploaded to the block chain; wherein, the quality inspection mechanism verifies the information of the grade, the type, the producing area, the quantity and the like of the goods;
step S16: after the logistics storage node receives the commodity inspection qualified certificate and confirms that the pledge meets the conditions, a warehouse receipt pledge supervision protocol is deployed on the block chain, the supervision protocol is encrypted by using a private key of the loan party node and then sent to the loan party node, the loan party node is recorded on the block chain, the loan party node is verified by using a public key of the logistics storage node, the supervision protocol is determined to be formulated by the logistics storage node, the content is correct, and the private key of the loan party node is used for signature confirmation and recording the signature confirmation to the block chain;
step S17: the logistics storage node negotiates insurance application details with the insurance company node, the insurance company node generates a policy according to the quantity and quality of goods, the policy is recorded on the block chain after signature confirmation and informs the loan party node, and the loan party node signs and confirms and records the policy on the block chain after receiving the policy and confirming that the policy is correct;
step S18: after preparing goods, the loan side node generates a packing list, signs the list, records the list to a block chain, informs the logistics storage node, and sets an RFID (radio frequency identification) tag on a packing box to input goods information;
step S19: the logistics storage node downloads the goods notice in advance, after the pledge arrives at a station and is unloaded, the pledge is scanned and checked by the RFID handheld machine and is matched with manual comparison to carry out double checking on the goods bill, after the goods are ensured to be consistent with the contract, the Oracle node records the note of the pledge to the block chain, the pledge enters the warehouse after the signature of the logistics storage node is confirmed, the electronic warehouse is issued, and the note is recorded to the block chain after the signature is carried out on the electronic warehouse.
It can be understood that, as shown in fig. 3, the step S2 specifically includes the following steps:
step S21: the loan party node deploys the deposit loan service application form on the block chain, encrypts the application form and the deposit supervision protocol by using a private key of the loan party node, transmits the encrypted application form and the deposit supervision protocol to the financial node, and records the encrypted application form and the deposit supervision protocol on the block chain;
step S22: the financial node deploys a second entrusting contract for investigating the credit worthiness of the logistics storage node on the blockchain, encrypts the contract by using a private key of the financial node, sends the encrypted contract to a third-party credit worthiness organization node, and records the encrypted contract on the blockchain;
step S23: the third party credit worthiness institution node verifies by using the public key of the financial node, and after the second entrusting contract is determined to be formulated by the financial node and the entrusting contract content is determined to be correct, signature confirmation is carried out by using the private key of the third party credit worthiness institution node and the second entrusting contract content is recorded to the block chain;
step S24: the third-party credit worthiness organization node submits a qualification inquiry request list to the Oracle node to request to call credit investigation data of the logistics storage node; the credit investigation data of the logistics storage node comprises information such as storage environment, conditions and credit level;
step S25: after receiving the qualification inquiry request list, the Oracle node sends the required credit investigation data to a third-party credit investigation institution node;
step S26: after receiving credit investigation data, the third-party credit worthiness institution node arranges the credit worthiness data aiming at the logistics storage node to generate a credit worthiness evaluation report, sends the credit worthiness evaluation report to the financial node after signature confirmation, and uploads the credit worthiness evaluation report to a block chain;
step S27: and the financial node determines whether to provide loan or not according to the credit worthiness evaluation report of the logistics storage node, if the loan is refused, the transaction is terminated, and if the loan is agreed, the subsequent steps are continued.
It can be understood that, as shown in fig. 4, the step S3 specifically includes the following steps:
step S31: the financial node calculates the available loan amount according to the pledge goods value, and after the loan amount and the pledge rate are agreed with the lender node, the financial node deploys a warehouse pledge loan contract on the block chain, encrypts the contract by using a private key of the financial node and sends the contract to the lender node;
step S32: the loan party node uses the public key of the finance node to verify, and uses the private key of the loan party node to sign and confirm and record the signature to the block chain after verifying that the content of the loan contract is correct;
step S33: after the financial node checks that the electronic warehouse receipt is correct, a loan is issued to the loan side node according to a contract according to a preset proportion of the goods value on the basis of agreement and procedure;
step S34: the Oracle node records the transfer record of remittance from the finance node to the lender node on the block chain, and the lender node confirms that the money is received and then carries out signature confirmation and records the transfer record on the block chain;
step S35: the logistics storage node freezes the electronic warehouse bills, changes the creditors of the warehouse bills into financial nodes, and chains the goods storage monitoring and management process regularly.
It can be understood that, as shown in fig. 5, the step S4 specifically includes the following steps:
step S41: the loan party node pays the payment to the financial node on time according to the appointed time and settlement mode of the loan contract;
step S42: the Oracle node records the transfer record of remittance from the loan party node to the financial node on the block chain, and the financial node performs signature confirmation after confirming that the money is received and records the transfer record on the block chain;
step S43: the loan party node sends a mortgage releasing application to the logistics storage node and uploads the mortgage releasing application to the block chain;
step S44: after confirming repayment information, the logistics storage node unfreezes the electronic warehouse bill and transfers the creditor from the financial node to a loan party node;
step S45: the logistics storage node deploys a delivery list on the block chain, signs the delivery list, sends the signing result to the lender node and uploads the signing result to the block chain, and meanwhile, the monitoring on the pledge is released;
step S46: after the logistics storage node transports the goods to the appointed place of the lender node, the lender node is informed and sent to a goods notification sheet to wait for the lender node to confirm;
step S47: the Oracle node records the arrival notice to the block chain, and the lender node confirms that the pledge is received and then carries out signature confirmation and records the receipt to the block chain;
step S48: after the pledge is transported to the designated place of the loan party node, the warehouse slip pledge information is invalid, and in order to prevent the warehouse slip from flowing into the block chain again for transaction, the service node deletes the electronic warehouse slip, but still retains the transaction information for tracing.
It will be appreciated that in another embodiment of the present invention, as shown in fig. 6, the blockchain-based warehousing pledge financing further comprises the following:
step S5: if the loan party node is due and unpaid in loan, the finance node urges to accept the loan party node through the logistics storage node, if the loan party node still does not pay the loan within the period of urging, the logistics storage node has the right to handle the pledge for paying the loan, and the Oracle node records the urging notice and the bad behavior of the loan party node to the block chain to supplement credit investigation information of the loan party node.
It can be understood that the block chain-based warehouse receipt pledge financing method of the embodiment utilizes the block chain technology to construct a credit investigation mechanism, and records the behavior of the enterprise on a chain if the conditions of on-time payment failure, warehouse receipt counterfeiting, repeated pledge and the like occur, so as to prevent the performance risk of small and medium-sized enterprises to a certain extent and reduce the risk control cost of departments such as banks and the like.
It can be understood that, as shown in fig. 7, the step S5 specifically includes the following steps:
step S51: if the loan party node does not pay the goods money to the financial node on time according to the time and settlement mode agreed on loan contract, the financial node deploys a loan overdue hastening receipt notice on the block chain, stipulates the latest repayment deadline and the overdue due payment default, sends the notice to the logistics storage node after signature confirmation, and records the notice on the block chain;
step S52: the logistics storage node informs the lender node after receiving the acceptance notification, if the lender node repays and pays default money within the latest repayment period, the warehouse node performs release to withdraw the pledge, and if the repayment is impossible, the logistics storage node has the right to dispose the pledge to repay the loan;
step S53: the logistics storage node is disposed according to the current price of goods and the value of a warehouse receipt strictly, and pays the payment of the goods to the financial node on time;
step S54: the Oracle node records the transfer record of remittance from the logistics storage node to the financial node to the block chain, and the financial node performs signature confirmation after confirming that the payment is received and records the signature confirmation to the block chain;
step S55: and the Oracle node records the notification of overdue loan collection and the bad behavior of the loan party node to the block chain so as to supplement credit investigation information of the loan party node.
It can be understood that the block chain-based warehouse warrant pledge financing method of the invention has at least the following advantages:
1. the business logic of the deposit of the bill is essentially the transfer of the debtor of the electronic bill, namely the transfer of the assets from the lender node to the financial node. From the circulation of the endorsement process, a borrower firstly proposes a warranty loan application, and after verifying that the credit investigation state of an enterprise and the warranty meet the requirements, the warranty is put in storage, and the logistics storage node opens a warranty. The pledge is monitored by logistics storage enterprises during the storage period. If the loan party repays the loan on time, the warehouse bill is released and transferred to the original loan party; if the payment can not be paid, the financial node is directly connected with the storage node in a butt joint mode, and the logistics storage node has the right to conduct processing such as changing and selling, purchasing and the like on the batch of goods so as to return the loan.
2. The invention combines and uses the electronic warehouse receipt, the block chain technology and the Internet of things technology to establish a comprehensive system for the mortgage loan of the warehouse receipt. In the transaction process, the electronic warehouse slip is used as the pledge, and the electronic warehouse slip can record information such as the ownership change of the pledge, the time of the pledge entering and leaving the warehouse, the position change along with the time change in the transportation process, the monitoring screenshot and the like according to the time sequence. The intelligent contract can automatically execute the transaction of the warehouse receipt, ensure the effective execution of the agreed transaction rule and improve the transaction efficiency and the execution force.
3. The invention utilizes the block chain distributed book technology to reform the transaction mode and the transaction flow of the warehouse receipt pledge loan, implements point-to-point transaction, ensures the authenticity and the non-falsification of data, and solves two major trust obstacles: the traditional trading link with insufficient transparency is transformed into an open, transparent, traceable and traceable mode, so that the risk of falseness and morality is prevented by the mutual witnesses of the participants, and the trueness and accuracy of the trading are ensured; meanwhile, the security requirement reaches or exceeds the national required electronic signature security standard, and the confidentiality requirements of all parties can be ensured in a data key and document encryption mode.
4. The internet of things technology supervises the pledget under the line in real time, the RFID chip is mounted and attached before the pledget enters the warehouse, the pledget can be automatically recorded in a chain every time when the pledget enters the warehouse, and the timestamp ensures traceability of the pledget. Meanwhile, abnormal ex-warehouse can immediately inform the fund end, and the risk is reduced to the minimum. The block chain technology supervises the processes of online warehouse receipt generation, pledge, loan and the like in real time, and the online and offline combination ensures the safety of pledge loan and reduces the risk in the loan process.
In addition, as shown in fig. 8, another embodiment of the present invention further provides a lump-chain-based deposit financing system, preferably using the method of the above embodiment, the system including:
the credit worthiness evaluation module is used for evaluating the credit worthiness condition of the loan party node by the logistics storage node and evaluating the credit worthiness condition of the logistics storage node by the financial node;
the supervision protocol deployment module is used for signing the warehouse receipt pledge supervision protocol by the logistics storage node and the loan party node;
the warehouse receipt generation module is used for issuing the electronic warehouse receipt after the logistics warehouse storage nodes ensure that the goods are consistent with the contract;
the loan contract deployment module is used for the financial node and the lender node to sign a warehouse receipt pledge loan contract;
the warehouse bill freezing module is used for freezing the electronic warehouse bills by the logistics warehouse nodes and changing the creditors of the electronic warehouse bills into financial nodes;
the repayment management module is used for repaying the loan to the financial node when the lender node is due;
and the warehouse bill escorting module is used for unfreezing the electronic warehouse bill by the logistics storage node.
It can be understood that the warehouse receipt pledge financing system based on the block chain of the embodiment utilizes the block chain technology to take the electronic warehouse receipt as pledge, and the intelligent contract automatically executes the transaction of the warehouse receipt, and has the characteristics of high standardization, strong operability, high circulation speed, more convenient implementation process and the like. And, considering that the pledge financing is carried out in the storage finance field, the electronic warehouse receipt is endorsed by the logistics storage node. Simultaneously, can guarantee authenticity and traceability of off-line matter chain information through internet of things, just can't change behind the chain of deposit information, realize the whole visual management of matter of deposit, the combination of RFID chip and block chain guarantees that matter of deposit state is controlled, effectively reduces matter of deposit risk.
It is to be understood that the blockchain-based warehousing pledge financing system further comprises:
and the default processing module is used for the finance node to urge to accept the loan from the loan party node through the logistics storage node when the loan party node is in due unpaid loan, if the loan party node still does not pay the loan within the term of the acceptance, the logistics storage node is authorized to treat the pledge to pay the loan, and the urge-to-accept notice and the bad behavior of the loan party node are recorded on the block chain to supplement credit information of the loan party node.
It can be understood that each module in the system of this embodiment corresponds to each step in the foregoing method embodiment, and therefore, the specific working process of each module is not described herein again, and reference may be made to the foregoing method embodiment.
In addition, another embodiment of the present invention further provides an apparatus, which includes a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method described above by calling the computer program stored in the memory.
In addition, another embodiment of the present invention further provides a computer readable storage medium for storing a computer program for conducting warehouse warranty pledge financing based on a blockchain, the computer program, when executed on a computer, performs the steps of the method as described above.
Typical forms of computer-readable storage media include: floppy disk (floppy disk), flexible disk (flexible disk), hard disk, magnetic tape, any of its magnetic media, CD-ROM, any of the other optical media, punch cards (punch cards), paper tape (paper tape), any of the other physical media with patterns of holes, Random Access Memory (RAM), Programmable Read Only Memory (PROM), Erasable Programmable Read Only Memory (EPROM), FLASH erasable programmable read only memory (FLASH-EPROM), any of the other memory chips or cartridges, or any of the other media from which a computer can read. The instructions may further be transmitted or received by a transmission medium. The term transmission medium may include any tangible or intangible medium that is operable to store, encode, or carry instructions for execution by the machine, and includes digital or analog communications signals or intangible medium that facilitates communication of the instructions. Transmission media include coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting a computer data signal.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by 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 block chain-based warehouse sheet pledge financing method is characterized by comprising the following steps:
step S1: the logistics storage node checks the credit worthiness condition and the pledge of the loan party node, signs a bill pledge supervision protocol with the loan party node after the check is passed, performs double check on the receipt by adopting two modes of RFID scanning check and manual check after the pledge is received, issues an electronic bill after the goods are consistent with the contract, and records the bill pledge supervision protocol and the electronic bill onto a block chain;
step S2: the financial node evaluates the credit worthiness condition of the logistics storage node;
step S3: the financial node and the lender node sign a warranty pledge contract, the signature is confirmed and then recorded on the block chain, the logistics storage node freezes the electronic manifest, and a creditor of the electronic manifest is changed into the financial node;
step S4: after the loan party node pays the loan to the financial node due, the logistics storage node unfreezes the electronic bill, and after the pledge is transported to the loan party node, the electronic bill is deleted and the transaction information is reserved.
2. The block chain-based warehousing pledge financing method of claim 1, wherein the step S1 specifically comprises the following steps:
step S11: after negotiation supervision modes and warehouse order development details under the logistics storage node and the lender node line, the logistics storage node deploys a first entrusting contract for investigating the credit worthiness of the lender node on a block chain, encrypts the entrusting contract by using a private key of the logistics storage node, sends the entrusting contract to a third party credit worthiness organization node, and records the entrusting contract on the block chain;
step S12: the third party credit worthiness institution node verifies by using the public key of the logistics storage node, confirms that the first entrusting contract is drawn by the logistics storage node and confirms that the entrusting contract content is correct, and then performs signature confirmation by using the private key of the third party credit worthiness institution node and records the signature confirmation on the block chain;
step S13: the third-party credit worthiness institution node submits a credit worthiness inquiry request list to the Oracle node to request for calling credit investigation data of the loan party node, the Oracle node sends required credit investigation data to the third-party credit worthiness institution node after receiving the credit investigation data, the third-party credit worthiness institution node finishes and generates a credit worthiness assessment report about the loan party node after receiving the credit investigation data, and sends the credit worthiness assessment report to the logistics storage node after signature confirmation and uploads the credit assessment report to the block chain;
step S14: the logistics storage node determines whether to cooperate with the lender node or not according to the credit assessment report of the lender node, if the loan assessment report is rejected, the transaction is terminated, and if the loan assessment report is agreed, the mortgage is continuously examined whether the mortgage meets the conditions or not;
step S15: the logistics storage node deploys a commodity inspection application form on the block chain, the commodity inspection application form is sent to the quality inspection mechanism node after signature confirmation and recorded on the block chain, the quality inspection mechanism node verifies the information of the goods, and after the goods are inspected to be qualified, the commodity inspection certificate is signed and sent to the logistics storage node and uploaded to the block chain;
step S16: after the logistics storage node receives the commodity inspection qualified certificate and confirms that the pledge meets the conditions, a warehouse receipt pledge supervision protocol is deployed on the block chain, the supervision protocol is encrypted by using a private key of the loan party node and then sent to the loan party node, the loan party node is recorded on the block chain, the loan party node is verified by using a public key of the logistics storage node, the supervision protocol is determined to be formulated by the logistics storage node, the content is correct, and the private key of the loan party node is used for signature confirmation and recording the signature confirmation to the block chain;
step S17: the logistics storage node negotiates insurance application details with the insurance company node, the insurance company node generates a policy according to the quantity and quality of goods, the policy is recorded on the block chain after signature confirmation and informs the loan party node, and the loan party node signs and confirms and records the policy on the block chain after receiving the policy and confirming that the policy is correct;
step S18: after preparing goods, the loan side node generates a packing list, signs the list, records the list to a block chain, informs the logistics storage node, and sets an RFID (radio frequency identification) tag on a packing box to input goods information;
step S19: the logistics storage node downloads the goods notice in advance, after the pledge arrives at a station and is unloaded, the pledge is scanned and checked by the RFID handheld machine and is matched with manual comparison to carry out double checking on the goods bill, after the goods are ensured to be consistent with the contract, the Oracle node records the note of the pledge to the block chain, the pledge enters the warehouse after the signature of the logistics storage node is confirmed, the electronic warehouse is issued, and the note is recorded to the block chain after the signature is carried out on the electronic warehouse.
3. The block chain-based warehousing pledge financing method of claim 1, wherein the step S2 specifically comprises the following steps:
step S21: the loan party node deploys the deposit loan service application form on the block chain, encrypts the application form and the deposit supervision protocol by using a private key of the loan party node, transmits the encrypted application form and the deposit supervision protocol to the financial node, and records the encrypted application form and the deposit supervision protocol on the block chain;
step S22: the financial node deploys a second entrusting contract for investigating the credit worthiness of the logistics storage node on the blockchain, encrypts the contract by using a private key of the financial node, sends the encrypted contract to a third-party credit worthiness organization node, and records the encrypted contract on the blockchain;
step S23: the third party credit worthiness institution node verifies by using the public key of the financial node, and after the second entrusting contract is determined to be formulated by the financial node and the entrusting contract content is determined to be correct, signature confirmation is carried out by using the private key of the third party credit worthiness institution node and the second entrusting contract content is recorded to the block chain;
step S24: the third-party credit worthiness organization node submits a qualification inquiry request list to the Oracle node to request to call credit investigation data of the logistics storage node;
step S25: after receiving the qualification inquiry request list, the Oracle node sends the required credit investigation data to a third-party credit investigation institution node;
step S26: after receiving credit investigation data, the third-party credit worthiness institution node arranges the credit worthiness data aiming at the logistics storage node to generate a credit worthiness evaluation report, sends the credit worthiness evaluation report to the financial node after signature confirmation, and uploads the credit worthiness evaluation report to a block chain;
step S27: and the financial node determines whether to provide loan or not according to the credit worthiness evaluation report of the logistics storage node, if the loan is refused, the transaction is terminated, and if the loan is agreed, the subsequent steps are continued.
4. The block chain-based warehousing pledge financing method of claim 1, wherein the step S3 specifically comprises the following steps:
step S31: the financial node calculates the available loan amount according to the pledge goods value, and after the loan amount and the pledge rate are agreed with the lender node, the financial node deploys a warehouse pledge loan contract on the block chain, encrypts the contract by using a private key of the financial node and sends the contract to the lender node;
step S32: the loan party node uses the public key of the finance node to verify, and uses the private key of the loan party node to sign and confirm and record the signature to the block chain after verifying that the content of the loan contract is correct;
step S33: after the financial node checks that the electronic warehouse receipt is correct, a loan is issued to the loan side node according to a contract according to a preset proportion of the goods value on the basis of agreement and procedure;
step S34: the Oracle node records the transfer record of remittance from the finance node to the lender node on the block chain, and the lender node confirms that the money is received and then carries out signature confirmation and records the transfer record on the block chain;
step S35: the logistics storage node freezes the electronic warehouse bills, changes the creditors of the warehouse bills into financial nodes, and chains the goods storage monitoring and management process regularly.
5. The block chain-based warehousing pledge financing method of claim 1, wherein the step S4 specifically comprises the following steps:
step S41: the loan party node pays the payment to the financial node on time according to the appointed time and settlement mode of the loan contract;
step S42: the Oracle node records the transfer record of remittance from the loan party node to the financial node on the block chain, and the financial node performs signature confirmation after confirming that the money is received and records the transfer record on the block chain;
step S43: the loan party node sends a mortgage releasing application to the logistics storage node and uploads the mortgage releasing application to the block chain;
step S44: after confirming repayment information, the logistics storage node unfreezes the electronic warehouse bill and transfers the creditor from the financial node to a loan party node;
step S45: the logistics storage node deploys a delivery list on the block chain, signs the delivery list, sends the signing result to the lender node and uploads the signing result to the block chain, and meanwhile, the monitoring on the pledge is released;
step S46: after the logistics storage node transports the goods to the appointed place of the lender node, the lender node is informed and sent to a goods notification sheet to wait for the lender node to confirm;
step S47: the Oracle node records the arrival notice to the block chain, and the lender node confirms that the pledge is received and then carries out signature confirmation and records the receipt to the block chain;
step S48: after the pledge is transported to the designated place of the loan party node, the warehouse slip pledge information is invalid, and in order to prevent the warehouse slip from flowing into the block chain again for transaction, the service node deletes the electronic warehouse slip, but still retains the transaction information for tracing.
6. The blockchain-based warehousing pledge financing method of claim 5, further comprising:
step S5: if the loan party node is due and unpaid in loan, the finance node urges to accept the loan party node through the logistics storage node, if the loan party node still does not pay the loan within the period of urging, the logistics storage node has the right to handle the pledge for paying the loan, and the Oracle node records the urging notice and the bad behavior of the loan party node to the block chain to supplement credit investigation information of the loan party node.
7. The block chain-based warehousing pledge financing method of claim 6, wherein the step S5 specifically comprises the following steps:
step S51: if the loan party node does not pay the goods money to the financial node on time according to the time and settlement mode agreed on loan contract, the financial node deploys a loan overdue hastening receipt notice on the block chain, stipulates the latest repayment deadline and the overdue due payment default, sends the notice to the logistics storage node after signature confirmation, and records the notice on the block chain;
step S52: the logistics storage node informs the lender node after receiving the acceptance notification, if the lender node repays and pays default money within the latest repayment period, the warehouse node performs release to withdraw the pledge, and if the repayment is impossible, the logistics storage node has the right to dispose the pledge to repay the loan;
step S53: the logistics storage node is disposed according to the current price of goods and the value of a warehouse receipt strictly, and pays the payment of the goods to the financial node on time;
step S54: the Oracle node records the transfer record of remittance from the logistics storage node to the financial node to the block chain, and the financial node performs signature confirmation after confirming that the payment is received and records the signature confirmation to the block chain;
step S55: and the Oracle node records the notification of overdue loan collection and the bad behavior of the loan party node to the block chain so as to supplement credit investigation information of the loan party node.
8. A blockchain-based deposit financing system, comprising:
the credit worthiness evaluation module is used for evaluating the credit worthiness condition of the loan party node by the logistics storage node and evaluating the credit worthiness condition of the logistics storage node by the financial node;
the supervision protocol deployment module is used for signing the warehouse receipt pledge supervision protocol by the logistics storage node and the loan party node;
the warehouse receipt generation module is used for issuing the electronic warehouse receipt after the logistics warehouse storage nodes ensure that the goods are consistent with the contract;
the loan contract deployment module is used for the financial node and the lender node to sign a warehouse receipt pledge loan contract;
the warehouse bill freezing module is used for freezing the electronic warehouse bills by the logistics warehouse nodes and changing the creditors of the electronic warehouse bills into financial nodes;
the repayment management module is used for repaying the loan to the financial node when the lender node is due;
and the warehouse bill escorting module is used for unfreezing the electronic warehouse bill by the logistics storage node.
9. An apparatus comprising a processor and a memory, the memory having stored therein a computer program, the processor being configured to perform the steps of the method of any one of claims 1 to 7 by invoking the computer program stored in the memory.
10. A computer-readable storage medium storing a computer program for conducting a banked collateral financing on a block chain basis, wherein the computer program when run on a computer performs the steps of the method according to any one of claims 1 to 7.
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