CN109493009B - Supply chain financial platform system based on XBRL and block chain - Google Patents

Supply chain financial platform system based on XBRL and block chain Download PDF

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CN109493009B
CN109493009B CN201811384922.1A CN201811384922A CN109493009B CN 109493009 B CN109493009 B CN 109493009B CN 201811384922 A CN201811384922 A CN 201811384922A CN 109493009 B CN109493009 B CN 109493009B
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唐军
刘�东
居邦
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Sichuan Changhong Electric Co Ltd
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Abstract

The invention relates to the field of supply chain finance, and discloses a supply chain financial platform system based on XBRL and a block chain. The invention establishes a block chain and a P2P network at a client; establishing an XBRL standard processing device and a side chain based on an XBRL technology at a server end, wherein the XBRL standard processing device fuses and stores business data in the side chain by using the XBRL technology; a supply chain management system and a data mining analysis system are established on the side chain, the supply chain management system manages the service data of a supplier, and the data mining analysis system carries out data mining and analysis prediction on the service data of the supplier; meanwhile, the side chain is also connected with a bank-enterprise interface module, a flow engine module, an accessory file module, a bookkeeping accounting module and a supervision reporting module. The invention is suitable for the financial institution to carry out credit evaluation and credit granting.

Description

Supply chain financial platform system based on XBRL and block chain
Technical Field
The invention relates to the field of supply chain finance, in particular to a supply chain financial platform system based on XBRL and a block chain.
Background
Supply chain finance is a financing mode for banks to link core enterprises with upstream and downstream enterprises to provide flexibly applied financial products and services.
At present, in a supply chain, core enterprises with strong competitiveness and large scale have strict requirements on upstream and downstream supporting enterprises in the aspects of trade conditions such as delivery, price, account period and the like due to the strong status of the core enterprises, so that great pressure is caused on the enterprises. Most upstream and downstream supporting enterprises are just small and medium-sized enterprises, financing from banks is difficult, and finally, a fund chain is very short, and the whole supply chain is unbalanced.
Currently, vulnerable member enterprises in the supply chain are often faced with: not only supply to core enterprises, but also bear the delay of account receivable; or to pay funds in advance to the core enterprise in the form of shop runs, securities, etc. before the sale begins. Many supply chain downstream enterprises consider "capital pressure" to be the maximum pressure they encounter in supply chain collaboration. The upstream and downstream enterprises in the supply chain share the capital risk of the core enterprise, but are not supported by the credit of the core enterprise. Although the bank wants to give credit to the enterprises, the financial institutions such as the bank and the like usually refuse to credit because of a plurality of factors such as small scale of the small and medium-sized enterprises, insufficient mortgage, difficult control of production and operation, poor resistance to economic fluctuation and the like.
Disclosure of Invention
The technical problem to be solved by the invention is as follows: the supply chain financial platform system based on the XBRL and the block chain is provided, the service fusion across the supply chain is realized by using an XBRL data standard technology, and the problems of a data island and a data chimney are solved.
In order to solve the problems, the invention adopts the technical scheme that: the supply chain financial platform system based on the XBRL and the block chain comprises a client and a server; establishing a block chain for connecting each supplier and a P2P network for interworking of all block chains at a client, wherein the block chain is used for recording the service activity of the supplier and storing the service activity as service data based on a block chain technology; establishing a side chain based on an XBRL technology at a server end, wherein the side chain fuses and stores the business data recorded by the block chain by using the XBRL technology;
a supply chain management system and a data mining analysis system are established on the side chain; establishing a plurality of service modules on the supply chain management system, wherein the service modules are used for managing service data of a supplier; the data mining analysis system is internally provided with a plurality of algorithm models for carrying out data mining, analysis and prediction on the service data of a supplier;
the side chain is also connected with a bank-enterprise interface module, a flow engine module, an accessory file module, a bookkeeping accounting module and a supervision reporting module; the bank-enterprise interface module is responsible for being in butt joint with a financial institution; the process engine module is responsible for formulating a process sequence according to business logic; the attachment file module is responsible for archiving the service data according to the classification of the suppliers; the accounting module is a distributed account book based on a block chain and is used for recording the information of each transaction and finally generating an accounting document; the supervision reporting module automatically generates various legal reports and management reports meeting the reporting format requirements based on the side chain XBRL granulation data and the data uploading function.
Furthermore, the side chain comprises a three-layer chain structure, the top layer stores XBRL classification standards generated by an XBRL standard processing device, data element definitions, levels, relationships, constraints and rules are stored in the chain, the middle layer analyzes XBRL instance documents generated by the XBRL standard processing device according to the business field and stores data in all block chains, and the bottom layer stores report data generated by the middle layer data through the data adding and summarizing functions.
Further, the step of using XBRL technology by the XBRL standard processing device to fuse and store the business data of the blockchain record in the side chain may include:
a. cleaning, carding, standardizing, granulating and identifying elements in all business fields to finally form standard XBRL data elements;
b. using an XBRL model to define a style sheet to organize, relate and uniquely identify elements according to the business field and the result obtained by the step a, and extracting typical elements as data dimensions or variable dimensions;
c. b, generating an XBRL classification standard file by the model defined in the step b through a classification standard converter;
d. mapping the data to classification criteria with minimized element particles using an XBRL processor and generating an instance document with fact value data;
e. and carrying out conformance verification on the example document data through an XBRL data checker, and analyzing and transmitting the example document data to a side chain for storage after the example document data passes the consistency verification.
Further, the business module established on the supply chain management system may include one or more of the following: the system comprises a market client management module, a product development management module, a plan demand management module, a purchase supply management module, a production operation management module, a warehouse logistics management module, a budget payment management module, a financial accounting management module, a process approval management module, a credit and financing management module and a supervision and audit management module.
Further, the algorithm model built in the data mining analysis system may include: the system comprises a supplier credit evaluation model, a direct lease quotation model, a warranty quotation model, a profit measurement model, a fund measurement model, an foreign exchange risk analysis model, a financial index summary analysis model, a credit level evaluation model and a highest credit line calculation model.
Further, the process engine module may support settlement services, credit services, post-loan management, five-level classification of assets, foreign exchange services, ticketing services, supply chains, consumer credits, credit line services, peer services, investments, guarantee-based services, funding plans, deposit preparation, pricing management, and approval of master data.
Further, the information of each transaction recorded by the accounting module may include: type of service, ticket documents, inspection rules and billing logic.
Further, according to the service type, the block chain can be divided into; credit chain, settlement chain, financing chain, foreign exchange chain, guarantee chain, billing chain, lease chain, benefit chain, and cash-out chain.
Furthermore, the data particle semantics and the format of the data records of all the block chains are standardized by XBRL, and the data elements are encoded to give element identifiers; the element particle is defined by the following 11 attributes, respectively: element identifiers, element names, Chinese labels, Chinese names of data element business meanings, English labels, data types, lengths, precisions, virtual elements, descriptions and comments; the element identifier consists of 9 bits: the 1 st to 3 rd bit identifiers are the service fields of the elements, the 4 th to 6 th bit identifiers are the index classification codes of the service fields, and the 7 th to 9 th bits are the sequence numbers of the data elements.
Further, the bank-enterprise interface module is responsible for docking with the financial institution and comprises: the system is connected with the interface of the bank supervision report system, is directly connected with the interface of a cooperative commercial bank, and is connected with a central bank bill system, a credit investigation system, a foreign exchange transaction system and a peer borrowing system.
The invention has the beneficial effects that:
the method comprises the following steps that (I) due to the use of an XBRL data standard technology and side chain data storage, cross-supply chain service fusion is realized, a data isolated island and a data chimney are solved, one data is counted out, and a legal report and a management report are automatically generated by utilizing the data uploading function of the XBRL, so that supervision difficulties of supervision mechanisms such as a manufacturer, a customs and an industry are reduced;
(II) after the supplier links the chain, the possibility of sharing the account book in the P2P network ensures that the transaction is transparent, and the joint identification, the credit and the credit line are granted and monitored together, so that the core enterprise injects the credit capability of the core enterprise into the upstream and downstream enterprises, and the financial institution can effectively monitor and trace the business traffic of the financial institution, thereby keeping track of the supplier credit flow and realizing fair and benign competition of supply chain members;
and (III) all transactions related to financial services are carried out on a block chain by using a block chain technology, block chain data are subjected to XBRL standardization, then time stamping and encryption operation are carried out on the block chain data to form the block chain, so that the data have non-tamper property, finally the real data are fused and stored in a side chain to provide data mining analysis, the results such as supplier credit evaluation, direct lease quotation analysis, warranty quotation analysis, income measurement, capital measurement, foreign exchange risk analysis, financial index summary analysis, credit level evaluation, highest credit line calculation and the like are accurate, accurate decision is provided for a decision maker, and due to the fact that the data are automatically subjected to the summary function, the monitoring and delivery speed and quality are improved
Drawings
Fig. 1 is an overall architecture diagram of the present invention.
FIG. 2 is a functional and data flow diagram of the supply chain management system of the present invention.
Detailed Description
The invention aims to: the method has the advantages that the XBRL data standard technology is used, service fusion across supply chains is realized, a data island and a data chimney are solved, one data is counted out, a legal report and a management report are automatically generated by using the data uploading function of the XBRL, so that supervision difficulties of supervision organizations such as workers, customs and industries are reduced, the data using the block chain technology cannot be replaced, the supervision quality is improved, and the financing risk is reduced; the possibility of sharing accounts in the P2P network after the supplier links the chain enables the transaction to be transparent, carries out consensus credit and common supervision on the credit line of financing credit and credit line, enables the core enterprise to inject the credit capability of the core enterprise into the upstream and downstream enterprises, enables the financial institution to effectively supervise and trace the business traffic of the financial institution, thereby activating the fund flow of the financial institution and realizing fair and benign competition of supply chain members.
Based on the general architecture shown in fig. 1, the specific implementation manner of the supply chain financial platform system based on the XBRL and the block chain is obtained as follows:
(1) establishing a block chain for connecting each supplier and a P2P network for the intercommunication of all block chains at a client, and establishing an XBRL standard processing device and a side chain based on XBRL technology at a server;
(2) establishing a supply chain management system and a data mining analysis system on the side chain;
(3) as shown in fig. 2, business modules such as a market client management module, a product development management module, a plan demand management module, a purchase supply management module, a production operation management module, a warehouse logistics management module, a budget payment management module, a financial accounting management module, a process approval management module, a credit and financing management module, a supervision and audit management module and the like are established on a supply chain management system;
the market client management module is used for developing and maintaining the relationship with the clients and managing the individualized requirements of the clients, so that a manager can identify key clients and client requirements;
the product development management module cooperates with a product design, material selection, supplier selection, a market team, a purchasing team and a production team to achieve the purpose of developing products together with clients and suppliers;
the plan demand management module enables demands and supplies to be matched and the plan to be executed more effectively through predictive prediction;
the purchasing and supplying management module manages purchasing, cost, operation plan and quality control, and stimulates and manages suppliers;
the production operation management module manages a production plan, production preparation, production operation, production control and the like;
the warehouse logistics management module is mainly used for managing purchase, sale and storage, and comprises the steps of information acquisition, sorting, analysis and use;
the budget payment management module is a process for performing budget evaluation and expense payment management on all possible expense costs generated by the supply chain;
the financial accounting management module mainly relates to the processing of bills and the automatic accounting bookkeeping of financial accounting and accounting voucher data of products;
the process approval management is used for the process approval management of planning, purchasing, production, operation and the like, and the process approval management of credit granting, credit, settlement, financing, cash posting and the like of a supplier;
the credit investigation and financing management module is used for credit investigation management and investment and financing management of a supplier;
the supervision audit management module automatically produces supervision submission data for submission and performs audit tracing on block data used in the whole production and management process;
(4) establishing data analysis, predictability prediction, risk assessment and the like which take a user as a center on a data mining and analyzing system, automatically acquiring analysis dimensionality of data by side-chain data through data particles after XBRL standardization, and realizing an algorithm model in a visual configuration mode, wherein the user selects a current data processing result after a view is presented, and embeds a plurality of algorithm models for data mining and analysis prediction, such as a supplier credit assessment model, a direct lease quotation model, a warranty quotation model, a profit measurement and calculation model, a fund measurement and calculation model, a foreign exchange risk analysis model, financial index summary analysis, credit level evaluation, a highest credit line calculation model and the like;
(5) the bank-enterprise interface module, the process engine module, the accessory file module, the accounting module and the supervision reporting module are connected to the side chain;
the bank-enterprise interface module is in charge of being in butt joint with an interface of a bank prison 1104 reporting system, an interface of a main cooperative commercial bank is directly connected with the interface of a central bank, and is in butt joint with a compulsory bank bill system, a credit investigation system, a foreign exchange transaction system and a college borrowing system;
the process engine module is used for formulating a process sequence according to business logic and can support settlement business, credit business, post-loan management, five-level classification of assets, foreign exchange business, bill business, supply chain, consumption credit, credit granting business, peer business, investment, guarantee business, fund plan, deposit preparation, pricing management and approval of main data;
the attachment file module files the service data according to the classification of the suppliers;
the accounting module is a distributed account book based on a block chain, records information such as the business type, bill and certificate, check rules, accounting logic and the like of each transaction, and finally generates accounting documents and the like;
the supervision submission module automatically generates various legal reports and management reports meeting submission format requirements based on the side chain XBRL granulation data and the data link function, such as a silver supervision 1104 report, a national financing lease enterprise management information system report, a customs registration information annual report public presentation report, a fund surplus table, a credit card opening acceptance report, a bond investment table and a foreign currency asset liability condition table waiting;
(6) the client side provider private chain directly records the service activities of the provider and respectively stores the service activities on block chains with different service types, for example, the service activity data of credit service is stored on the credit chain, the service activity data of settlement service is stored on the settlement chain, the service activity data of financing service is stored on the financing chain, and so on, according to the service activity types, the client side provider private chain mainly comprises a foreign exchange chain, a guarantee chain, a bill chain, a lease chain, a guarantee chain, a cash-on chain and the like;
the supplier chain is a private chain in principle, but the invention aims to solve the problem that the core enterprise injects the credit worthiness of the core enterprise into the upstream and downstream enterprises in the supply chain, so that the upstream and downstream enterprises surrounding the core enterprise can share a block chain account book, the control right of which is in the core enterprise, and thus a block chain of an upstream and downstream enterprise alliance taking the core enterprise as the center is formed;
the block chain account book sharing method can adopt a flood algorithm, namely the account book of one node is changed and is transmitted to other nodes nearby, the node receiving the new account book continuously transmits to all nodes nearby with the changed account book identity, and by analogy, the block chain account book is quickly shared to solve the possibility of data dirty reading;
(7) the data grain semantics and format of the data records of all blockchains are standardized by XBRL, and the data elements are encoded, giving an element identifier consisting of 9 bits: the 1 st to 3 rd bit identifiers are the service fields of the elements, the 4 th to 6 th bit identifiers are the index classification codes of the service fields, and the 7 th to 9 th bits are the sequence numbers of the data elements.
The element particle is defined by the following 11 attributes, respectively:
element identifier: in the present standard, the element identifier is a unique identification of all data elements, and is marked with nine digits;
element name: the element name is another unique identifier of all data elements and is named by English and underlines;
chinese label: chinese names for briefly describing the business meaning of the data elements;
english labels: english names used for briefly describing the business meaning of the data elements;
data type: the data types used for defining the business element recording actual values include seven types of 'characters', 'integers', 'decimal fraction', 'time and date', 'percentage', 'capital amount' and 'file';
length: the data length of a fact value of an element record of a certain data type is defined by being matched with the attribute of the data type;
precision: for representing a valid range of decimal digits;
virtual elements: for identifying whether an element is a dummy element;
and (3) constraint: the method is used for formulating data element actual value rules and conditional constraints, such as 8 bits with fixed length;
description of the drawings: the method is used for describing the business meaning of the data elements in detail, namely the data semantics;
note that: the usage or general value of the service element, the national standard or regulation according to which and the specification of the standard, etc. are illustrated.
(8) The XBRL standard processing device has the advantages that the definition of the data elements is the same as the definition of the elements, and the data elements of the same business field are completely the same, so that the fusion of cross-field data is realized, and the XBRL is an international standard and has the potential of fusing international supply chain data.
The method for storing business data fusion of the blockchain records in the side chain by using XBRL technology by the XBRL standard processing device can comprise the following steps:
a. cleaning, carding, standardizing, granulating and identifying elements in all business fields according to the step (7), and finally forming standard XBRL data elements;
b. using an XBRL model definition style sheet (MDS) to organize, relationally and uniquely the elements according to the service field and the result obtained by the step a, and extracting typical elements as data dimensions or variable dimensions;
c. b, generating an XBRL classification standard file by the model defined in the step b through a classification standard converter;
d. mapping the data to classification criteria with minimized element particles using an XBRL processor and generating an instance document with fact value data;
e. and carrying out conformance verification on the example document data through an XBRL data checker, and analyzing and transmitting the example document data to a side chain for storage after the example document data passes the consistency verification.
(9) The side chain is a central block chain fusing all private block chains to realize data intercommunication and interconnection among all the block chains, and comprises a three-layer chain structure, wherein the uppermost layer is used for storing XBRL classification standards generated by an XBRL standard processing device, data element definitions, levels, relations, constraints and rules are stored in the chain, the middle layer is used for analyzing XBRL instance documents produced by the XBRL standard processing device according to the business field and storing data in all the block chains, and the bottommost layer is used for storing report data generated by the middle layer through the data adding and summarizing functions.
After the steps (1) to (9), the supply chain financial platform system based on the XBRL and the block chain is finally obtained, all business modules in the system are classified according to the business field, and the block data is fused and stored in the side chain through an XBRL standard processing device; and (3) performing granulation and standardization by using XBRL and then stamping a timestamp to form a block chain when data market clients, product development, plan requirements, purchase supply, production operation, storage logistics, budget payment, accounting, process approval, credit and financing and supervision audit data are stored in all circulation links.
After a supplier links a chain, the supply chain financial platform system based on the XBRL and the block chain creates a private block chain for the supplier according to the service field, opens a corresponding service block chain according to the service range of the supplier, such as opening a purchase chain, a credit chain and a settlement chain for the supplier to meet the purchase and credit requirements, uses a supply chain management system purchase supply management module to create the private block chain for the supplier, completes a series of service activities of the supplier purchase and credit through the management modules corresponding to the purchase supply chain, the process approval chain and the credit investigation and financing chain, and analyzes and evaluates the credit evaluation and credit granting maximum limit of the supplier through various built-in algorithm models of a data mining analysis system.

Claims (8)

1. The supply chain financial platform system based on the XBRL and the block chain comprises a client and a server; it is characterized in that the preparation method is characterized in that,
establishing a block chain for connecting each supplier and a P2P network for interworking of all block chains at a client, wherein the block chain is used for recording the service activity of the supplier and storing the service activity as service data based on a block chain technology;
establishing an XBRL standard processing device and a side chain based on an XBRL technology at a server end, wherein the XBRL standard processing device fuses and stores business data recorded by a block chain in the side chain by using the XBRL technology;
a supply chain management system and a data mining analysis system are established on the side chain; a service module is established on the supply chain management system and used for managing service data of a supplier; the data mining analysis system is internally provided with a plurality of algorithm models for carrying out data mining, analysis and prediction on the service data of a supplier;
the side chain is also connected with a bank-enterprise interface module, a flow engine module, an accessory file module, a bookkeeping accounting module and a supervision reporting module; the bank-enterprise interface module is responsible for being in butt joint with a financial institution; the process engine module is responsible for formulating a process sequence according to business logic; the attachment file module is responsible for archiving the service data according to the classification of the suppliers; the accounting module is a distributed account book based on a block chain and is used for recording the information of each transaction and finally generating an accounting document; the supervision reporting module automatically generates various legal reports and management reports meeting the reporting format requirements based on side chain XBRL granulation data and the data uploading function;
the side chain comprises a three-layer chain structure, wherein the top layer stores XBRL classification standards generated by an XBRL standard processing device, data element definitions, levels, relationships, constraints and rules are stored in the chain, the middle layer analyzes XBRL instance documents generated by the XBRL standard processing device according to the business field and stores data in all block chains, and the bottom layer stores report data generated by the middle layer data through the data adding and summarizing functions;
the step that the XBRL standard processing device fuses and stores the business data of the block chain record in the side chain by using the XBRL technology comprises the following steps:
a. cleaning, carding, standardizing, granulating and identifying elements in all business fields to finally form standard XBRL data elements;
b. using an XBRL model to define a style sheet to organize, relate and uniquely identify elements according to the business field and the result obtained by the step a, and extracting typical elements as data dimensions or variable dimensions;
c. b, generating an XBRL classification standard file by the model defined in the step b through a classification standard converter;
d. mapping the data to classification criteria with minimized element particles using an XBRL processor and generating an instance document with fact value data;
e. and carrying out conformance verification on the example document data through an XBRL data checker, and analyzing and transmitting the example document data to a side chain for storage after the example document data passes the consistency verification.
2. The XBRL and blockchain based supply chain financial platform system according to claim 1 in which the business modules established on the supply chain management system include one or more of: the system comprises a market client management module, a product development management module, a plan demand management module, a purchase supply management module, a production operation management module, a warehouse logistics management module, a budget payment management module, a financial accounting management module, a process approval management module, a credit and financing management module and a supervision and audit management module.
3. The XBRL and blockchain based supply chain financial platform system according to claim 1, wherein the built-in algorithmic model of the data mining analysis system includes: the system comprises a supplier credit evaluation model, a direct lease quotation model, a warranty quotation model, a profit measurement model, a fund measurement model, an foreign exchange risk analysis model, a financial index summary analysis model, a credit level evaluation model and a highest credit line calculation model.
4. The XBRL and blockchain based supply chain financial platform system according to claim 1, wherein the process engine module supports settlement services, credit services, post-loan management, five-level classification of assets, foreign exchange services, ticketing services, supply chain, consumer credit, credit accreditation services, peer services, investments, guaranty services, funding plans, deposit preparation, pricing management, and approval of master data.
5. The XBRL and blockchain based supply chain financial platform system according to claim 1, wherein the information recorded by the accounting module for each transaction includes: type of service, ticket documents, inspection rules and billing logic.
6. The XBRL and blockchain based supply chain financial platform system of claim 1 in which the blockchain is divided into: credit chain, settlement chain, financing chain, foreign exchange chain, guarantee chain, billing chain, lease chain, benefit chain, and cash-out chain.
7. The XBRL and blockchain based supply chain financial platform system according to claim 1 in which the data grain semantics and format of all blockchain records are standardized by the XBRL and data elements are encoded, giving an element identifier; the element particle is defined by the following 11 attributes, respectively: element identifiers, element names, Chinese labels, Chinese names of data element business meanings, English labels, data types, lengths, precisions, virtual elements, descriptions and comments; the element identifier consists of 9 bits: the 1 st to 3 rd bit identifiers are the service fields of the elements, the 4 th to 6 th bit identifiers are the index classification codes of the service fields, and the 7 th to 9 th bits are the sequence numbers of the data elements.
8. The XBRL and blockchain based supply chain financial platform system of claim 1 in which the bank enterprise interface module is responsible for interfacing with financial institutions including: the system is connected with the interface of the bank supervision report system, is directly connected with the interface of a cooperative commercial bank, and is connected with a central bank bill system, a credit investigation system, a foreign exchange transaction system and a peer borrowing system.
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