CN113674090B - Dynamic mortgage loan supervision method, system, equipment and storage medium based on blockchain - Google Patents
Dynamic mortgage loan supervision method, system, equipment and storage medium based on blockchain Download PDFInfo
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q40/03—Credit; Loans; Processing thereof
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
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- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
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- G—PHYSICS
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
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- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3827—Use of message hashing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The invention discloses a blockchain-based dynamic mortgage supervision method, a system, equipment and a storage medium, wherein the method utilizes a blockchain technology to realize the non-falsification and non-falsification of transaction data, ensures the authenticity and the integrity of all data in the dynamic mortgage process, and enables all transaction data to be traceable and inquired, so that financing banks and loan enterprises comprehensively and truly master the data value of stored goods. In addition, by using the distributed account book technology, people account, and people are ensured to acquire complete information, so that the transparent information and the information sharing are realized, and the property of being unable to be tampered is achieved, so that the mortgage value is lower than the value ensured in advance in the process of dynamic mortgage caused by the fact that loan enterprises tamper data is fundamentally avoided. Moreover, the dynamic mortgage has financial storage nodes for endorsing, so that the financial attribute of the dynamic mortgage is enhanced, the goods are underwriting by insurance companies, and the risk of financing banks is reduced.
Description
Technical Field
The present invention relates to the field of blockchain technologies, and in particular, to a blockchain-based dynamic mortgage supervision method, a blockchain-based dynamic mortgage supervision system, a blockchain-based dynamic mortgage supervision device, and a blockchain-based dynamic mortgage supervision device.
Background
The dynamic mortgage supervision is to determine the minimum required value of the mortgage commodity, and the part exceeding the minimum required value during the mortgage can be freely stored or extracted, and simultaneously, the substances are allowed to be replaced, flowed and newly added and old according to the appointed mode, which belongs to the type of batch multiple bill. The dynamic mortgage is a credit service of real estate and goods right mortgage, which refers to a credit service of an enterprise (or individual industrial and commercial tenant) taking real estate legally owned by a self or third person as a mortgage, and is also called checking and inventory mode, the bank sets the lowest limit for the goods of the enterprise mortgage, allows the goods above the limit to go out of the warehouse, and the trusted person can easily put goods.
The current dynamic mortgage supervision mode has the following problems:
1. mortgage cargo value counterfeiting: in order to obtain financing trade, enterprises can falsify the value of mortgaged goods, and the value of the mortgage is far lower than the total value ensured in advance in the dynamic mortgage replacement process.
2. Tampering with the dynamic mortgage account or false mortgage, one single mortgage and multiple mortgage rights are invalid, so that the financing bank cannot monitor the dynamic mortgage condition of the account, and financing self-compensation cannot be realized.
3. Mortgage goods are physically lost or stolen, and the financing bank needs to be responsible for reimbursement.
Disclosure of Invention
The invention provides a blockchain-based dynamic mortgage supervision method, a blockchain-based dynamic mortgage supervision system, blockchain-based dynamic mortgage supervision equipment and a computer-readable storage medium, so as to solve the defects of the existing dynamic mortgage supervision mode.
According to one aspect of the present invention, there is provided a blockchain-based dynamic mortgage supervision method, comprising:
step S1: the loan enterprise node and the financing bank node sign dynamic mortgage loan contracts on the blockchain, meanwhile, the financial storage node evaluates the credit conditions of the loan enterprise node, signs endorsements on the dynamic mortgage loan contracts after the evaluation is passed, and uploads the endorsements to the blockchain;
step S2: the loan enterprise node evaluates the credit information condition of the credit insurance enterprise node, and after the evaluation is passed, the credit insurance enterprise node is insured based on mortgages and the buyer limit is applied;
step S3: the financing bank node evaluates the credit information of the loan enterprise node and the credit insurance company node, signs a right assignment agreement with the loan enterprise node and the credit insurance company node after the evaluation is passed, and records the signature on the blockchain after the signature is confirmed;
step S4: after preparing the mortgage, the loan enterprise node signs a cargo mortgage contract with the financing bank node, and after transporting the mortgage to the financial storage node, the financial storage node issues a warehouse bill and uploads the warehouse bill to the blockchain;
Step S5: after checking the on-chain receipts, the financing banking node signs a financing agreement with the loan enterprise node and issues loans to the loan enterprise node;
step S6: the loan enterprise node carries out goods picking aiming at mortgages above the lowest limit, and extracts the rest mortgages after repaying the loan to the financing bank node.
Further, the step S1 specifically includes the following:
step S11: after the loan enterprise node online pays good cargo mortgage details with the financing bank node, a dynamic mortgage loan contract is deployed on the blockchain, and the digest of the dynamic mortgage loan contract is encrypted by using a private key of the node and is sent to the financing bank node and recorded on the blockchain;
step S12: the financial storage node requests to the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node sends the credit investigation data of the loan enterprise node to the financial storage node after receiving the application, the financial storage node evaluates the credit investigation condition of the loan enterprise node based on the credit investigation data of the loan enterprise node, and the financial storage node carries out signature endorsement on a dynamic mortgage loan contract and uploads the dynamic mortgage loan contract to a blockchain after the evaluation is passed;
step S13: and the financing bank node verifies the abstract by using the public key of the loan enterprise node, signs the dynamic mortgage loan together and records the dynamic mortgage loan together on the blockchain after the contract content is verified to be correct.
Further, the step S2 specifically includes the following:
step S21: the loan enterprise node deploys a first consignment contract for investigating the credit conditions of the credit insurance enterprise node on the blockchain, encrypts a summary of the first consignment contract by using a private key of the first consignment contract and sends the summary to the financial storage node, the financial storage node verifies the summary by using a public key of the loan enterprise node, and signs and records the first consignment contract after the verification passes and the content of the first consignment contract is confirmed to be correct;
step S22: the financial storage node requests the Oracle node to call credit investigation data of the credit insurance company node, the Oracle node sends the credit investigation data of the credit insurance company node to the financial storage node after receiving the application, the financial storage node receives the credit investigation data of the credit insurance company node, and then collates the credit investigation data to generate a first credit investigation list related to the credit insurance company node, and the first credit investigation list is signed by the private key, uploaded to the blockchain and sent to the loan enterprise node;
step S23: the loan enterprise node utilizes the public key of the financial storage node to verify, after the verification passes and the credit condition of the credit insurance enterprise node is evaluated based on the first credit questionnaire, the credit insurance node negotiates the insurance details with the credit insurance enterprise node on line, and then deploys a dynamic mortgage credit insurance comprehensive insurance policy on the blockchain, and the dynamic mortgage credit insurance comprehensive insurance policy is signed by the private key, uploaded to the blockchain and sent to the credit insurance enterprise node;
Step S24: the financing bank node deploys a value identification contract for evaluating the value of the mortgage on the blockchain, signs by using a private key, sends the value identification contract to the quality inspection node and records the value identification contract on the blockchain, the quality inspection node verifies by using a public key of the financing bank node, and confirms and uploads the value identification contract signature to the blockchain after the verification passes and confirms that the content of the contract is correct;
step S25: the quality inspection node evaluates the value of the mortgage according to the value identification contract requirement, refers to the price trend of similar products in the last 6 months, combines the credit management risk requirement of the financing bank node, and then sends a value evaluation report to the financing bank node after encrypting the value evaluation report by using the private key of the quality inspection node, and records the value evaluation report on the blockchain;
step S26: the credit insurance company node decides whether to agree to transact insurance business for the loan enterprise node based on the content of the dynamic mortgage credit insurance comprehensive insurance application form and the value evaluation report on the blockchain, if so, the dynamic mortgage credit insurance comprehensive insurance application form is generated, signed by the private key, uploaded to the blockchain and sent to the loan enterprise node;
step S27: the loan enterprise node deploys the buyer credit limit application form on the blockchain based on the application range of the insurance policy, uploads the signed buyer credit limit application form to the blockchain and sends the signed buyer credit limit application form to the credit insurance company node, and the credit insurance company node approves the buyer credit limit application form and records the signed buyer credit limit application form on the blockchain after signature confirmation.
Further, the step S3 specifically includes the following:
step S31: after the loan enterprise node and the financing bank node issue the commercial amount financing meaning on line, the loan enterprise node deploys a financing application form on the blockchain, signs by using a private key, records the private key on the blockchain and sends the private key to the financing bank node;
step S32: the financing bank node utilizes the public key of the loan enterprise node to verify, inspects the credit information situation of the credit insurance company node on the blockchain after the verification is passed, deploys a second consignment contract for investigating the credit information situation of the loan enterprise node on the blockchain, encrypts the second consignment contract by utilizing the private key, and sends the encrypted second consignment contract to the financial storage node to be recorded on the blockchain;
step S33: the financial storage node verifies by using the public key of the financing bank node, and after determining that the second consignment contract is drawn by the financing bank node and the consignment contract content is correct, the financial storage node uses the private key to conduct signature confirmation and records the signature confirmation on the blockchain;
step S34: the financial storage node requests to the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node receives the request to send the credit investigation data of the loan enterprise node to the financial storage node, the financial storage node receives the credit investigation data of the loan enterprise node, and then collates the credit investigation data to generate a second credit investigation list about the loan enterprise node, signs the second credit investigation list by using a private key, and then sends the second credit investigation list to the financing bank node and uploads the second credit investigation list to the blockchain;
Step S35: the financing bank node utilizes the public key of the financial storage node to verify, evaluates the credit condition of the loan enterprise node based on a second credit questionnaire after the verification is passed, examines the insuring receipt and the value evaluation report on the blockchain and then decides whether to provide financing for the loan enterprise node, if refused, the transaction is terminated, and if agreed, the financing amount of the loan enterprise node is checked;
step S36: the loan enterprise node deploys the claim and benefit transfer protocol on the blockchain, and the loan enterprise node, the financing bank node and the credit insurance company node record the signature confirmation on the blockchain.
Further, the step S4 specifically includes the following:
step S41: after preparing mortgages, the loan enterprise node deploys a cargo mortgage contract on the blockchain, signs by using a private key and sends the mortgage contract to the financing bank node, and the financing bank node checks the mortgage, confirms the signature and records the signature on the blockchain;
step S42: the loan enterprise node deploys a commodity inspection application form on the blockchain, signs by using a private key and sends the commodity inspection application form to the quality inspection node, the quality inspection node verifies the commodity inspection application form by using the public key of the loan enterprise node, and after the verification passes and the fact that the actual mortgage is consistent with the previous value evaluation report, the commodity inspection qualified certificate is issued and signed and then uploaded to the blockchain;
Step S43: the credit insurance company node generates a policy according to the quantity and quality of the mortgages, signs and records the policy to the blockchain and sends the policy to the credit company node, and the credit company node checks the signature to confirm and records the policy to the blockchain;
step S44: the loan enterprise node deploys the warehouse logistics contract on the blockchain, sends the warehouse logistics contract to the financial warehouse node after signing and records the warehouse logistics contract on the blockchain, checks the signature acknowledgement and records the signature acknowledgement on the blockchain after the financial warehouse node checks the signature acknowledgement, and the loan enterprise node sends the mortgage to a designated warehouse of the financial parameter node and uploads the mortgage to the blockchain after the financial warehouse node issues an electronic bill and signs the electronic bill by using a private key.
Further, the step S5 specifically includes the following:
step S51: the loan enterprise node declares and pays insurance fees to the credit insurance company node within two weeks after the goods are escorted, and the premium invoice is recorded on the blockchain;
step S52: the node of the credit insurance company checks the value and the quantity of goods, and issues a notice of the credit insurance underwriting condition after confirmation and uploads the notice to the blockchain;
Step S53: after checking the price evaluation report, commodity inspection qualification certificate, insurance policy, electronic warehouse bill and credit insurance underwriting condition notice, the financing bank node deploys a financing protocol on the blockchain, signs by using a private key, uploads the financing protocol to the blockchain and sends the financing protocol to the loan enterprise node;
step S54: the loan enterprise node verifies the financing protocol by using the public key of the financing bank node, and after the verification passes and the confirmation of the protocol content, signature confirmation is carried out and recorded on the blockchain;
step S55: the financing bank node gathers 80 percent of money which does not exceed the amount of the commercial invoice into an account of the loan enterprise node according to the credit condition of the loan enterprise node, the adopted settlement mode, the goods sales condition and the goods mortgage credit insurance condition;
step S56: the Oracle node records the transfer record of the money transfer from the financing bank node to the loan enterprise node to the blockchain, and the loan enterprise node confirms that the financing money is received, signs and confirms on the transfer record and uploads the signature to the blockchain.
Further, the step S6 specifically includes the following:
step S61: for mortgages above the lowest limit, the loan enterprise node submits a pick-up application to the financing bank node, a pick-up bill is deployed on the blockchain, and the pick-up bill is signed and then sent to the financing bank node and the quality inspection node;
Step S62: the quality inspection node checks the bill of lading, determines that the amount of lading is above the minimum limit, adds a contract description on the blockchain, signs the bill of lading with a private key and records the bill of lading on the blockchain;
step S63: the financing bank node verifies the newly added contract description by using the public key of the quality inspection node, signs and confirms on the bill of lading after the verification is passed, records the bill of lading on the blockchain and sends the bill of lading to the financial storage node and the loan enterprise node;
step S64: the financial storage node checks the bill of lading, signs and records the bill of lading on the blockchain, and sends mortgages above the lowest limit to the loan enterprise node;
step S65: the loan enterprise node returns borrowing and holding information to the financing bank node, and a bill of lading is deployed on the blockchain to apply for extracting the residual goods;
step S66: the Oracle node records the transfer record of the loan enterprise node sending the money to the financing bank node on the blockchain, the financing bank node confirms that the financing information is received, signs and confirms on the transfer record and the bill of lading and records the bill of lading on the blockchain, and sends the bill of lading to the financial storage node;
step S67: the financial storage node checks the bill of lading, signs and records the bill of lading on the blockchain, and issues the rest of the goods to the loan enterprise node.
In addition, the invention also provides a dynamic mortgage loan supervision system based on the blockchain, which comprises the following steps:
the dynamic mortgage contract deployment module is used for enabling the loan enterprise node and the financing bank node to sign a dynamic mortgage contract on the blockchain, and meanwhile, the financial storage node evaluates the credit condition of the loan enterprise node, signs endorsement on the dynamic mortgage contract after the evaluation is passed and uploads the endorsement to the blockchain;
the insurance management module is used for applying insurance to the credit insurance company node based on mortgages and applying buyer quota after the credit information evaluation of the credit insurance company node by the loan company node is passed;
the payoff equity assignment agreement deployment module is used for the payoff banking node, the loan enterprise node and the credit insurance company node to sign payoff equity assignment agreements after the payoff banking node evaluates the credit and trust conditions of the loan enterprise node and the credit insurance company node, and records the signed and confirmed payoff agreements on the blockchain;
the cargo mortgage contract deployment module is used for enabling the loan enterprise node to sign cargo mortgage contracts with the financing bank node after preparing mortgages;
the warehouse bill management module is used for providing a warehouse bill for the financial warehouse node and uploading the warehouse bill to the blockchain after the loan enterprise node conveys the mortgage to the financial warehouse node;
The financing protocol deployment module is used for signing a financing protocol with the loan enterprise node after the financing bank node audits the on-chain receipts, and issuing loans to the loan enterprise node;
and the delivery management module is used for carrying out mortgage extraction management, and the loan enterprise node carries out delivery on mortgages above the lowest limit and extracts the rest mortgages after repaying the loan to the financing bank node.
In addition, the invention also provides a device comprising a processor and a memory, the memory having stored therein a computer program for executing the steps of the method as described above by invoking the computer program stored in the memory.
In addition, the present invention also provides a computer readable storage medium storing a computer program for dynamic mortgage supervision based on blockchain, which when run on a computer performs the steps of the method as described above.
The invention has the following effects:
the blockchain-based dynamic mortgage supervision method utilizes the technologies of secure multiparty calculation, homomorphic encryption, hash algorithm, digital identity, digital signature, blockchain distribution mode, data storage structure and the like in the blockchain to realize the non-falsification and non-falsification of transaction data, ensure the authenticity and integrity of all data in the dynamic mortgage process, and enable all transaction data to be traceable and inquired, so that financing banks and loan enterprises comprehensively and truly master the data value of stored goods. In addition, by using the distributed account book technology, people account, and people are ensured to acquire complete information, so that the transparent information and the information sharing are realized, and the property of being unable to be tampered is achieved, so that the mortgage value is lower than the value ensured in advance in the process of dynamic mortgage caused by the fact that loan enterprises tamper data is fundamentally avoided. Moreover, the dynamic mortgage has financial storage nodes for endorsing, so that the financial attribute of the dynamic mortgage is enhanced, the goods are underwriting by insurance companies, and the risk of financing banks is reduced.
In addition, the blockchain-based dynamic mortgage supervision system, the device and the computer-readable storage medium have the advantages.
In addition to the objects, features and advantages described above, the present application has other objects, features and advantages. The present application will be described in further detail with reference to the drawings.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application. In the drawings:
FIG. 1 is a flow chart of a blockchain-based dynamic mortgage supervision method in accordance with a preferred embodiment of the application.
Fig. 2 is a schematic flow chart of step S1 in fig. 1.
Fig. 3 is a schematic flow chart of step S2 in fig. 1.
Fig. 4 is a schematic flow chart of step S3 in fig. 1.
Fig. 5 is a schematic view of the sub-flow of step S4 in fig. 1.
Fig. 6 is a schematic view of the sub-flow of step S5 in fig. 1.
Fig. 7 is a schematic view of the sub-flow of step S6 in fig. 1.
Fig. 8 is a schematic block diagram of a blockchain-based dynamic mortgage supervision system according to another embodiment of the present application.
Detailed Description
Embodiments of the invention are described in detail below with reference to the attached drawing figures, but the invention can be practiced in a number of different ways, as defined and covered below.
As shown in fig. 1, a preferred embodiment of the present invention provides a blockchain-based dynamic mortgage supervision method, comprising the following steps:
step S1: the loan enterprise node and the financing bank node sign dynamic mortgage loan contracts on the blockchain, meanwhile, the financial storage node evaluates the credit conditions of the loan enterprise node, signs endorsements on the dynamic mortgage loan contracts after the evaluation is passed, and uploads the endorsements to the blockchain;
step S2: the loan enterprise node evaluates the credit information condition of the credit insurance enterprise node, and after the evaluation is passed, the credit insurance enterprise node is insured based on mortgages and the buyer limit is applied;
step S3: the financing bank node evaluates the credit information of the loan enterprise node and the credit insurance company node, signs a right assignment agreement with the loan enterprise node and the credit insurance company node after the evaluation is passed, and records the signature on the blockchain after the signature is confirmed;
step S4: after preparing the mortgage, the loan enterprise node signs a cargo mortgage contract with the financing bank node, and after transporting the mortgage to the financial storage node, the financial storage node issues a warehouse bill and uploads the warehouse bill to the blockchain;
Step S5: after checking the on-chain receipts, the financing banking node signs a financing agreement with the loan enterprise node and issues loans to the loan enterprise node;
step S6: the loan enterprise node carries out goods picking aiming at mortgages above the lowest limit, and extracts the rest mortgages after repaying the loan to the financing bank node.
It can be understood that the blockchain-based dynamic mortgage supervision method in this embodiment utilizes technologies such as secure multiparty computation, homomorphic encryption, hash algorithm, digital identity, digital signature, blockchain distribution mode, data storage structure and the like in the blockchain to realize non-falsification and non-falsification of transaction data, ensure the authenticity and integrity of all data in the dynamic mortgage process, and all transaction data can be traced and inquired, so that financing banks and loan enterprises comprehensively and truly master the data value of stored goods. In addition, by using the distributed account book technology, people account, and people are ensured to acquire complete information, so that the transparent information and the information sharing are realized, and the property of being unable to be tampered is achieved, so that the mortgage value is lower than the value ensured in advance in the process of dynamic mortgage caused by the fact that loan enterprises tamper data is fundamentally avoided. Moreover, the dynamic mortgage has financial storage nodes for endorsing, so that the financial attribute of the dynamic mortgage is enhanced, the goods are underwriting by insurance companies, and the risk of financing banks is reduced.
It will be appreciated that, as shown in fig. 2, the step S1 specifically includes the following:
step S11: after the loan enterprise node online pays good cargo mortgage details with the financing bank node, a dynamic mortgage loan contract is deployed on the blockchain, and the digest of the dynamic mortgage loan contract is encrypted by using a private key of the node and is sent to the financing bank node and recorded on the blockchain;
step S12: the financial storage node requests to the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node sends the credit investigation data of the loan enterprise node to the financial storage node after receiving the application, the financial storage node evaluates the credit investigation condition of the loan enterprise node based on the credit investigation data of the loan enterprise node, and the financial storage node carries out signature endorsement on a dynamic mortgage loan contract and uploads the dynamic mortgage loan contract to a blockchain after the evaluation is passed;
step S13: and the financing bank node verifies the abstract by using the public key of the loan enterprise node, signs the dynamic mortgage loan together and records the dynamic mortgage loan together on the blockchain after the contract content is verified to be correct.
It can be appreciated that in the step S1, in the dynamic mortgage contract signing stage, a financial storage node is required to sign and endorse the dynamic mortgage, and the financial storage node performs signature confirmation on the dynamic mortgage loan contract after evaluating the credit condition of the loan enterprise node.
It will be appreciated that, as shown in fig. 3, the step S2 specifically includes the following:
step S21: the loan enterprise node deploys a first consignment contract for investigating the credit conditions of the credit insurance enterprise node on the blockchain, encrypts a summary of the first consignment contract by using a private key of the first consignment contract and sends the summary to the financial storage node, the financial storage node verifies the summary by using a public key of the loan enterprise node, and signs and records the first consignment contract after the verification passes and the content of the first consignment contract is confirmed to be correct;
step S22: the financial storage node requests the Oracle node to call credit investigation data of the credit insurance company node, the Oracle node sends the credit investigation data of the credit insurance company node to the financial storage node after receiving the application, the financial storage node receives the credit investigation data of the credit insurance company node, and then collates the credit investigation data to generate a first credit investigation list related to the credit insurance company node, and the first credit investigation list is signed by the private key, uploaded to the blockchain and sent to the loan enterprise node;
step S23: the loan enterprise node utilizes the public key of the financial storage node to verify, after the verification passes and the credit condition of the credit insurance enterprise node is evaluated based on the first credit questionnaire, the credit insurance node negotiates the insurance details with the credit insurance enterprise node on line, and then deploys a dynamic mortgage credit insurance comprehensive insurance policy on the blockchain, and the dynamic mortgage credit insurance comprehensive insurance policy is signed by the private key, uploaded to the blockchain and sent to the credit insurance enterprise node;
Step S24: the financing bank node deploys a value identification contract for evaluating the value of the mortgage on the blockchain, signs by using a private key, sends the value identification contract to the quality inspection node and records the value identification contract on the blockchain, the quality inspection node verifies by using a public key of the financing bank node, and confirms and uploads the value identification contract signature to the blockchain after the verification passes and confirms that the content of the contract is correct;
step S25: the quality inspection node evaluates the value of the mortgage according to the value identification contract requirement, refers to the price trend of similar products in the last 6 months, combines the credit management risk requirement of the financing bank node, and then sends a value evaluation report to the financing bank node after encrypting the value evaluation report by using the private key of the quality inspection node, and records the value evaluation report on the blockchain;
step S26: the credit insurance company node decides whether to agree to transact insurance business for the loan enterprise node based on the content of the dynamic mortgage credit insurance comprehensive insurance application form and the value evaluation report on the blockchain, if so, the dynamic mortgage credit insurance comprehensive insurance application form is generated, signed by the private key, uploaded to the blockchain and sent to the loan enterprise node;
step S27: the loan enterprise node deploys the buyer credit limit application form on the blockchain based on the application range of the insurance policy, uploads the signed buyer credit limit application form to the blockchain and sends the signed buyer credit limit application form to the credit insurance company node, and the credit insurance company node approves the buyer credit limit application form and records the signed buyer credit limit application form on the blockchain after signature confirmation.
It will be appreciated that, as shown in fig. 4, the step S3 specifically includes the following:
step S31: after the loan enterprise node and the financing bank node issue the commercial amount financing meaning on line, the loan enterprise node deploys a financing application form on the blockchain, signs by using a private key, records the private key on the blockchain and sends the private key to the financing bank node;
step S32: the financing bank node utilizes the public key of the loan enterprise node to verify, inspects the credit information situation of the credit insurance company node on the blockchain after the verification is passed, deploys a second consignment contract for investigating the credit information situation of the loan enterprise node on the blockchain, encrypts the second consignment contract by utilizing the private key, and sends the encrypted second consignment contract to the financial storage node to be recorded on the blockchain;
step S33: the financial storage node verifies by using the public key of the financing bank node, and after determining that the second consignment contract is drawn by the financing bank node and the consignment contract content is correct, the financial storage node uses the private key to conduct signature confirmation and records the signature confirmation on the blockchain;
step S34: the financial storage node requests to the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node receives the request to send the credit investigation data of the loan enterprise node to the financial storage node, the financial storage node receives the credit investigation data of the loan enterprise node, and then collates the credit investigation data to generate a second credit investigation list about the loan enterprise node, signs the second credit investigation list by using a private key, and then sends the second credit investigation list to the financing bank node and uploads the second credit investigation list to the blockchain;
Step S35: the financing bank node utilizes the public key of the financial storage node to verify, evaluates the credit condition of the loan enterprise node based on a second credit questionnaire after the verification is passed, examines the insuring receipt and the value evaluation report on the blockchain and then decides whether to provide financing for the loan enterprise node, if refused, the transaction is terminated, and if agreed, the financing amount of the loan enterprise node is checked;
step S36: the loan enterprise node deploys the claim and benefit transfer protocol on the blockchain, and the loan enterprise node, the financing bank node and the credit insurance company node record the signature confirmation on the blockchain.
It will be appreciated that, as shown in fig. 5, the step S4 specifically includes the following:
step S41: after preparing mortgages, the loan enterprise node deploys a cargo mortgage contract on the blockchain, signs by using a private key and sends the mortgage contract to the financing bank node, and the financing bank node checks the mortgage, confirms the signature and records the signature on the blockchain;
step S42: the loan enterprise node deploys a commodity inspection application form on the blockchain, signs by using a private key and sends the commodity inspection application form to the quality inspection node, the quality inspection node verifies the commodity inspection application form by using the public key of the loan enterprise node, and after the verification passes and the fact that the actual mortgage is consistent with the previous value evaluation report, the commodity inspection qualified certificate is issued and signed and then uploaded to the blockchain;
Step S43: the credit insurance company node generates a policy according to the quantity and quality of the mortgages, signs and records the policy to the blockchain and sends the policy to the credit company node, and the credit company node checks the signature to confirm and records the policy to the blockchain;
step S44: the loan enterprise node deploys the warehouse logistics contract on the blockchain, sends the warehouse logistics contract to the financial warehouse node after signing and records the warehouse logistics contract on the blockchain, checks the signature acknowledgement and records the signature acknowledgement on the blockchain after the financial warehouse node checks the signature acknowledgement, and the loan enterprise node sends the mortgage to a designated warehouse of the financial parameter node and uploads the mortgage to the blockchain after the financial warehouse node issues an electronic bill and signs the electronic bill by using a private key.
It will be appreciated that, as shown in fig. 6, the step S5 specifically includes the following:
step S51: the loan enterprise node declares and pays insurance fees to the credit insurance company node within two weeks after the goods are escorted, and the premium invoice is recorded on the blockchain;
step S52: the node of the credit insurance company checks the value and the quantity of goods, and issues a notice of the credit insurance underwriting condition after confirmation and uploads the notice to the blockchain;
Step S53: after checking the price evaluation report, commodity inspection qualification certificate, insurance policy, electronic warehouse bill and credit insurance underwriting condition notice, the financing bank node deploys a financing protocol on the blockchain, signs by using a private key, uploads the financing protocol to the blockchain and sends the financing protocol to the loan enterprise node;
step S54: the loan enterprise node verifies the financing protocol by using the public key of the financing bank node, and after the verification passes and the confirmation of the protocol content, signature confirmation is carried out and recorded on the blockchain;
step S55: the financing bank node gathers 80 percent of money which does not exceed the amount of the commercial invoice into an account of the loan enterprise node according to the credit condition of the loan enterprise node, the adopted settlement mode, the goods sales condition and the goods mortgage credit insurance condition;
step S56: the Oracle node records the transfer record of the money transfer from the financing bank node to the loan enterprise node to the blockchain, and the loan enterprise node confirms that the financing money is received, signs and confirms on the transfer record and uploads the signature to the blockchain.
It will be appreciated that, as shown in fig. 7, the step S6 specifically includes the following:
step S61: for mortgages above the lowest limit, the loan enterprise node submits a pick-up application to the financing bank node, a pick-up bill is deployed on the blockchain, and the pick-up bill is signed and then sent to the financing bank node and the quality inspection node;
Step S62: the quality inspection node checks the bill of lading, determines that the amount of lading is above the minimum limit, adds a contract description on the blockchain, signs the bill of lading with a private key and records the bill of lading on the blockchain;
step S63: the financing bank node verifies the newly added contract description by using the public key of the quality inspection node, signs and confirms on the bill of lading after the verification is passed, records the bill of lading on the blockchain and sends the bill of lading to the financial storage node and the loan enterprise node;
step S64: the financial storage node checks the bill of lading, signs and records the bill of lading on the blockchain, and sends mortgages above the lowest limit to the loan enterprise node;
step S65: the loan enterprise node returns borrowing and holding information to the financing bank node, and a bill of lading is deployed on the blockchain to apply for extracting the residual goods;
step S66: the Oracle node records the transfer record of the loan enterprise node sending the money to the financing bank node on the blockchain, the financing bank node confirms that the financing information is received, signs and confirms on the transfer record and the bill of lading and records the bill of lading on the blockchain, and sends the bill of lading to the financial storage node;
step S67: the financial storage node checks the bill of lading, signs and records the bill of lading on the blockchain, and issues the rest of the goods to the loan enterprise node.
It can be understood that the blockchain-based dynamic mortgage supervision method of the invention publishes the complete information of the whole dynamic mortgage flow on the chain through the blockchain technology, and the complete information is ensured to be intact, real and reliable through the consensus mechanism and repeated confirmation of each node, accounting by people, the non-falsifiable and transparent disclosure of the information is ensured, and the credit risk of each party is reduced. Under the traditional mode, each participating in the transaction is self-administration, information islands exist among all parties, and the problem of information asymmetry often causes the participating in the main to consume a large amount of time cost and money cost, so that the transaction efficiency and the transaction success rate are greatly reduced. The blockchain technology is utilized to form a chain for each important participation node, transaction information of each node is recorded and uplink, full-flow disclosure transparency is achieved, transaction safety and efficiency are improved, credit problems of each participation main body are solved, trust mechanisms in dynamic mortgage loans are remodeled, all information on the chain has traceability, transaction cost is greatly saved, and transaction efficiency and safety in a dynamic process are improved. In addition, by utilizing the asymmetric encryption technology, the intelligent contract technology, the hash algorithm, the digital signature, the identity authentication and other technologies in the blockchain, the processes of examination sheets, making sheets, telegrams, mailing and the like of a large amount of manpower and time occupied in the traditional settlement process are replaced, the verification efficiency of various bill certificates is improved, the dynamic mortgage loan process is simplified, and the intelligent and rapid operation of the whole dynamic mortgage loan process under the premise of ensuring the safety can be promoted. Moreover, through the integration of the supply chain, innovation of financial tools is performed, so that new financial attributes are generated in warehouse. The warehouse type logistics enterprises can effectively organize and regulate the flow of monetary funds in the supply chain with the assistance of financial institutions, provide services such as financing, settlement and insurance for the enterprises, provide effective funds occupation transfer for the operation of supply chain logistics, and realize new value exchange and circulation. The organic combination of the commodity flow, the material flow and the fund flow ensures that different enterprises in the supply chain obtain high added value.
In addition, as shown in fig. 8, another embodiment of the present invention further provides a blockchain-based dynamic mortgage supervision system, preferably employing the method of the above embodiment, the system including:
the dynamic mortgage contract deployment module is used for enabling the loan enterprise node and the financing bank node to sign a dynamic mortgage contract on the blockchain, and meanwhile, the financial storage node evaluates the credit condition of the loan enterprise node, signs endorsement on the dynamic mortgage contract after the evaluation is passed and uploads the endorsement to the blockchain;
the insurance management module is used for applying insurance to the credit insurance company node based on mortgages and applying buyer quota after the credit information evaluation of the credit insurance company node by the loan company node is passed;
the payoff equity assignment agreement deployment module is used for the payoff banking node, the loan enterprise node and the credit insurance company node to sign payoff equity assignment agreements after the payoff banking node evaluates the credit and trust conditions of the loan enterprise node and the credit insurance company node, and records the signed and confirmed payoff agreements on the blockchain;
the cargo mortgage contract deployment module is used for enabling the loan enterprise node to sign cargo mortgage contracts with the financing bank node after preparing mortgages;
The warehouse bill management module is used for providing a warehouse bill for the financial warehouse node and uploading the warehouse bill to the blockchain after the loan enterprise node conveys the mortgage to the financial warehouse node;
the financing protocol deployment module is used for signing a financing protocol with the loan enterprise node after the financing bank node audits the on-chain receipts, and issuing loans to the loan enterprise node;
and the delivery management module is used for carrying out mortgage extraction management, and the loan enterprise node carries out delivery on mortgages above the lowest limit and extracts the rest mortgages after repaying the loan to the financing bank node.
It can be understood that the blockchain-based dynamic mortgage supervision system in this embodiment utilizes technologies such as secure multiparty computation, homomorphic encryption, hash algorithm, digital identity, digital signature, blockchain distribution mode, data storage structure and the like in the blockchain to realize non-falsification and non-falsification of transaction data, ensure the authenticity and integrity of all data in the dynamic mortgage process, and all transaction data can be traced and queried, so that financing banks and loan enterprises comprehensively and truly master the data value of stored goods. In addition, by using the distributed account book technology, people account, and people are ensured to acquire complete information, so that the transparent information and the information sharing are realized, and the property of being unable to be tampered is achieved, so that the mortgage value is lower than the value ensured in advance in the process of dynamic mortgage caused by the fact that loan enterprises tamper data is fundamentally avoided. Moreover, the dynamic mortgage has financial storage nodes for endorsing, so that the financial attribute of the dynamic mortgage is enhanced, the goods are underwriting by insurance companies, and the risk of financing banks is reduced.
In addition, each module in the system of the present embodiment corresponds to each step in the method of the above embodiment, so the working process of each module is not described herein, and reference is made to the above method embodiment.
In addition, another embodiment of the present invention also provides an apparatus, including a processor and a memory, the memory storing a computer program, the processor being configured to perform the steps of the method as described above by calling the computer program stored in the memory.
In addition, another embodiment of the present invention also provides a computer readable storage medium storing a computer program for blockchain-based dynamic mortgage supervision, which when run on a computer performs the steps of the method as described above.
Forms of general computer-readable storage media include: a floppy disk (floppy disk), a flexible disk (flexible disk), hard disk, magnetic tape, any other magnetic medium, a CD-ROM, any other optical medium, punch cards, paper tape, any other physical medium with patterns of holes, a Random Access Memory (RAM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), a FLASH erasable programmable read-only memory (FLASH-EPROM), any other memory chip or cartridge, or any other medium from which a computer can read. The instructions may further be transmitted or received over a transmission medium. The term transmission medium may include any tangible or intangible medium that may be used to store, encode, or carry instructions for execution by a machine, and includes digital or analog communications signals or their communications with intangible medium that facilitate communication of such instructions. Transmission media includes coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting a computer data signal.
The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (8)
1. The blockchain-based dynamic mortgage supervision method is characterized by comprising the following steps of:
step S1: the loan enterprise node and the financing bank node sign dynamic mortgage loan contracts on the blockchain, meanwhile, the financial storage node evaluates the credit conditions of the loan enterprise node, signs endorsements on the dynamic mortgage loan contracts after the evaluation is passed, and uploads the endorsements to the blockchain;
step S2: the loan enterprise node evaluates the credit information condition of the credit insurance enterprise node, and after the evaluation is passed, the credit insurance enterprise node is insured based on mortgages and the buyer limit is applied;
step S3: the financing bank node evaluates the credit information of the loan enterprise node and the credit insurance company node, signs a right assignment agreement with the loan enterprise node and the credit insurance company node after the evaluation is passed, and records the signature on the blockchain after the signature is confirmed;
Step S4: after preparing the mortgage, the loan enterprise node signs a cargo mortgage contract with the financing bank node, and after transporting the mortgage to the financial storage node, the financial storage node issues a warehouse bill and uploads the warehouse bill to the blockchain;
step S5: after checking the on-chain receipts, the financing banking node signs a financing agreement with the loan enterprise node and issues loans to the loan enterprise node;
step S6: the loan enterprise node carries out goods picking aiming at mortgages above the lowest limit, and extracts the rest mortgages after repaying the loan to the financing bank node;
the step S1 specifically includes the following:
step S11: after the loan enterprise node online pays good cargo mortgage details with the financing bank node, a dynamic mortgage loan contract is deployed on the blockchain, and the digest of the dynamic mortgage loan contract is encrypted by using a private key of the node and is sent to the financing bank node and recorded on the blockchain;
step S12: the financial storage node requests to the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node sends the credit investigation data of the loan enterprise node to the financial storage node after receiving the application, the financial storage node evaluates the credit investigation condition of the loan enterprise node based on the credit investigation data of the loan enterprise node, and the financial storage node carries out signature endorsement on a dynamic mortgage loan contract and uploads the dynamic mortgage loan contract to a blockchain after the evaluation is passed;
Step S13: the financing bank node verifies the abstract by using the public key of the loan enterprise node, signs the dynamic mortgage loan together and records the dynamic mortgage loan together on the blockchain after the contract content is verified to be correct;
the step S2 specifically includes the following:
step S21: the loan enterprise node deploys a first consignment contract for investigating the credit conditions of the credit insurance enterprise node on the blockchain, encrypts a summary of the first consignment contract by using a private key of the first consignment contract and sends the summary to the financial storage node, the financial storage node verifies the summary by using a public key of the loan enterprise node, and signs and records the first consignment contract after the verification passes and the content of the first consignment contract is confirmed to be correct;
step S22: the financial storage node requests the Oracle node to call credit investigation data of the credit insurance company node, the Oracle node sends the credit investigation data of the credit insurance company node to the financial storage node after receiving the application, the financial storage node receives the credit investigation data of the credit insurance company node, and then collates the credit investigation data to generate a first credit investigation list related to the credit insurance company node, and the first credit investigation list is signed by the private key, uploaded to the blockchain and sent to the loan enterprise node;
Step S23: the loan enterprise node utilizes the public key of the financial storage node to verify, after the verification passes and the credit condition of the credit insurance enterprise node is evaluated based on the first credit questionnaire, the credit insurance node negotiates the insurance details with the credit insurance enterprise node on line, and then deploys a dynamic mortgage credit insurance comprehensive insurance policy on the blockchain, and the dynamic mortgage credit insurance comprehensive insurance policy is signed by the private key, uploaded to the blockchain and sent to the credit insurance enterprise node;
step S24: the financing bank node deploys a value identification contract for evaluating the value of the mortgage on the blockchain, signs by using a private key, sends the value identification contract to the quality inspection node and records the value identification contract on the blockchain, the quality inspection node verifies by using a public key of the financing bank node, and confirms and uploads the value identification contract signature to the blockchain after the verification passes and confirms that the content of the contract is correct;
step S25: the quality inspection node evaluates the value of the mortgage according to the value identification contract requirement, refers to the price trend of similar products in the last 6 months, combines the credit management risk requirement of the financing bank node, and then sends a value evaluation report to the financing bank node after encrypting the value evaluation report by using the private key of the quality inspection node, and records the value evaluation report on the blockchain;
Step S26: the credit insurance company node decides whether to agree to transact insurance business for the loan enterprise node based on the content of the dynamic mortgage credit insurance comprehensive insurance application form and the value evaluation report on the blockchain, if so, the dynamic mortgage credit insurance comprehensive insurance application form is generated, signed by the private key, uploaded to the blockchain and sent to the loan enterprise node;
step S27: the loan enterprise node deploys the buyer credit limit application form on the blockchain based on the application range of the insurance policy, uploads the signed buyer credit limit application form to the blockchain and sends the signed buyer credit limit application form to the credit insurance company node, and the credit insurance company node approves the buyer credit limit application form and records the signed buyer credit limit application form on the blockchain after signature confirmation.
2. The blockchain-based dynamic mortgage supervision method as in claim 1, wherein the step S3 specifically includes the following:
step S31: after the loan enterprise node and the financing bank node issue the commercial amount financing meaning on line, the loan enterprise node deploys a financing application form on the blockchain, signs by using a private key, records the private key on the blockchain and sends the private key to the financing bank node;
step S32: the financing bank node utilizes the public key of the loan enterprise node to verify, inspects the credit information situation of the credit insurance company node on the blockchain after the verification is passed, deploys a second consignment contract for investigating the credit information situation of the loan enterprise node on the blockchain, encrypts the second consignment contract by utilizing the private key, and sends the encrypted second consignment contract to the financial storage node to be recorded on the blockchain;
Step S33: the financial storage node verifies by using the public key of the financing bank node, and after determining that the second consignment contract is drawn by the financing bank node and the consignment contract content is correct, the financial storage node uses the private key to conduct signature confirmation and records the signature confirmation on the blockchain;
step S34: the financial storage node requests to the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node receives the request to send the credit investigation data of the loan enterprise node to the financial storage node, the financial storage node receives the credit investigation data of the loan enterprise node, and then collates the credit investigation data to generate a second credit investigation list about the loan enterprise node, signs the second credit investigation list by using a private key, and then sends the second credit investigation list to the financing bank node and uploads the second credit investigation list to the blockchain;
step S35: the financing bank node utilizes the public key of the financial storage node to verify, evaluates the credit condition of the loan enterprise node based on a second credit questionnaire after the verification is passed, examines the insuring receipt and the value evaluation report on the blockchain and then decides whether to provide financing for the loan enterprise node, if refused, the transaction is terminated, and if agreed, the financing amount of the loan enterprise node is checked;
step S36: the loan enterprise node deploys the claim and benefit transfer protocol on the blockchain, and the loan enterprise node, the financing bank node and the credit insurance company node record the signature confirmation on the blockchain.
3. The blockchain-based dynamic mortgage supervision method as in claim 2, wherein the step S4 specifically includes the following:
step S41: after preparing mortgages, the loan enterprise node deploys a cargo mortgage contract on the blockchain, signs by using a private key and sends the mortgage contract to the financing bank node, and the financing bank node checks the mortgage, confirms the signature and records the signature on the blockchain;
step S42: the loan enterprise node deploys a commodity inspection application form on the blockchain, signs by using a private key and sends the commodity inspection application form to the quality inspection node, the quality inspection node verifies the commodity inspection application form by using the public key of the loan enterprise node, and after the verification passes and the fact that the actual mortgage is consistent with the previous value evaluation report, the commodity inspection qualified certificate is issued and signed and then uploaded to the blockchain;
step S43: the credit insurance company node generates a policy according to the quantity and quality of the mortgages, signs and records the policy to the blockchain and sends the policy to the credit company node, and the credit company node checks the signature to confirm and records the policy to the blockchain;
step S44: the loan enterprise node deploys the warehouse logistics contract on the blockchain, sends the warehouse logistics contract to the financial warehouse node after signing and records the warehouse logistics contract on the blockchain, checks the signature acknowledgement and records the signature acknowledgement on the blockchain after the financial warehouse node checks the signature acknowledgement, and the loan enterprise node sends the mortgage to a designated warehouse of the financial parameter node and uploads the mortgage to the blockchain after the financial warehouse node issues an electronic bill and signs the electronic bill by using a private key.
4. A blockchain-based dynamic mortgage supervision method as in claim 3, wherein step S5 specifically includes the following:
step S51: the loan enterprise node declares and pays insurance fees to the credit insurance company node within two weeks after the goods are escorted, and the premium invoice is recorded on the blockchain;
step S52: the node of the credit insurance company checks the value and the quantity of goods, and issues a notice of the credit insurance underwriting condition after confirmation and uploads the notice to the blockchain;
step S53: after checking the price evaluation report, commodity inspection qualification certificate, insurance policy, electronic warehouse bill and credit insurance underwriting condition notice, the financing bank node deploys a financing protocol on the blockchain, signs by using a private key, uploads the financing protocol to the blockchain and sends the financing protocol to the loan enterprise node;
step S54: the loan enterprise node verifies the financing protocol by using the public key of the financing bank node, and after the verification passes and the confirmation of the protocol content, signature confirmation is carried out and recorded on the blockchain;
step S55: the financing bank node gathers 80 percent of money which does not exceed the amount of the commercial invoice into an account of the loan enterprise node according to the credit condition of the loan enterprise node, the adopted settlement mode, the goods sales condition and the goods mortgage credit insurance condition;
Step S56: the Oracle node records the transfer record of the money transfer from the financing bank node to the loan enterprise node to the blockchain, and the loan enterprise node confirms that the financing money is received, signs and confirms on the transfer record and uploads the signature to the blockchain.
5. The blockchain-based dynamic mortgage supervision method as in claim 1, wherein the step S6 specifically includes the following:
step S61: for mortgages above the lowest limit, the loan enterprise node submits a pick-up application to the financing bank node, a pick-up bill is deployed on the blockchain, and the pick-up bill is signed and then sent to the financing bank node and the quality inspection node;
step S62: the quality inspection node checks the bill of lading, determines that the amount of lading is above the minimum limit, adds a contract description on the blockchain, signs the bill of lading with a private key and records the bill of lading on the blockchain;
step S63: the financing bank node verifies the newly added contract description by using the public key of the quality inspection node, signs and confirms on the bill of lading after the verification is passed, records the bill of lading on the blockchain and sends the bill of lading to the financial storage node and the loan enterprise node;
step S64: the financial storage node checks the bill of lading, signs and records the bill of lading on the blockchain, and sends mortgages above the lowest limit to the loan enterprise node;
Step S65: the loan enterprise node returns borrowing and holding information to the financing bank node, and a bill of lading is deployed on the blockchain to apply for extracting the residual goods;
step S66: the Oracle node records the transfer record of the loan enterprise node sending the money to the financing bank node on the blockchain, the financing bank node confirms that the financing information is received, signs and confirms on the transfer record and the bill of lading and records the bill of lading on the blockchain, and sends the bill of lading to the financial storage node;
step S67: the financial storage node checks the bill of lading, signs and records the bill of lading on the blockchain, and issues the rest of the goods to the loan enterprise node.
6. A blockchain-based dynamic mortgage supervision system employing the method of any one of claims 1 to 5, comprising:
the dynamic mortgage contract deployment module is used for enabling the loan enterprise node and the financing bank node to sign a dynamic mortgage contract on the blockchain, and meanwhile, the financial storage node evaluates the credit condition of the loan enterprise node, signs endorsement on the dynamic mortgage contract after the evaluation is passed and uploads the endorsement to the blockchain;
the insurance management module is used for applying insurance to the credit insurance company node based on mortgages and applying buyer quota after the credit information evaluation of the credit insurance company node by the loan company node is passed;
The payoff equity assignment agreement deployment module is used for the payoff banking node, the loan enterprise node and the credit insurance company node to sign payoff equity assignment agreements after the payoff banking node evaluates the credit and trust conditions of the loan enterprise node and the credit insurance company node, and records the signed and confirmed payoff agreements on the blockchain;
the cargo mortgage contract deployment module is used for enabling the loan enterprise node to sign cargo mortgage contracts with the financing bank node after preparing mortgages;
the warehouse bill management module is used for providing a warehouse bill for the financial warehouse node and uploading the warehouse bill to the blockchain after the loan enterprise node conveys the mortgage to the financial warehouse node;
the financing protocol deployment module is used for signing a financing protocol with the loan enterprise node after the financing bank node audits the on-chain receipts, and issuing loans to the loan enterprise node;
and the delivery management module is used for carrying out mortgage extraction management, and the loan enterprise node carries out delivery on mortgages above the lowest limit and extracts the rest mortgages after repaying the loan to the financing bank node.
7. An apparatus comprising a processor and a memory, said memory having stored therein a computer program for executing the steps of the method according to any of claims 1-5 by invoking said computer program stored in said memory.
8. A computer readable storage medium storing a computer program for dynamic mortgage supervision based on blockchain, characterized in that the computer program when run on a computer performs the steps of the method according to any one of claims 1-5.
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