CN109615509A - A kind of financial risks appraisal procedure and system - Google Patents
A kind of financial risks appraisal procedure and system Download PDFInfo
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Abstract
The invention discloses a kind of financial risks appraisal procedure and systems, for improving the reliability of financial risks assessment.The method comprise the steps that management node initiates block chain transaction request, to trigger tax office node from the local income invoice data for obtaining enterprise, tax office block is generated, tax office block is broadcasted；Enterprise's node obtains tax office block, verifies income invoice data, and after verification is errorless, generates enterprise's block, enterprise's block is broadcasted；Management node obtains enterprise's block, is analyzed and processed to the income invoice data after verification, to obtain the purposes data of business capital, generates management block, management block is broadcasted；Bank node obtains management block, carries out risk assessment to the purposes data of business capital, generates bank's block, and bank's block is broadcasted.
Description
Technical field
The present invention relates to Financial Risk Control technical field more particularly to a kind of financial risks appraisal procedures and system.
Background technique
Financial risk management as the datum mark and starting point of Financial Risk Control is done from global and long-range angle
The overall fortune scheme of financial risks prevention and neutralizing out is prepared, it is for taking precautions against and evading financial risks, it is ensured that fund security mentions
The high efficient use of capital is of great significance.
Traditionally, business capital transferring between different accounts is monitored, by bank mainly to predict the money of enterprise
Golden service condition, so that the fund to enterprise carries out risk assessment.
In the actual process, this method comes with some shortcomings:
(1) enterprise is not limited to a kind of purposes in the account of bank, and for the treasury trade of the account, lending bank is difficult really
Recognize the particular use of fund；
(2) it between the account of enterprise can have different bank, transfers accounts for the fund of cross-bank, lending bank is difficult cross-bank
Track the use of funds flow direction of enterprise.
Summary of the invention
The embodiment of the invention provides a kind of financial risks appraisal procedure and systems, for realizing to the original of business capital
Retrospect, to realize the control to business capital risk.
First aspect of the embodiment of the present invention provides a kind of financial risks appraisal procedure, is applied to block chain alliance organization,
The block chain alliance organization includes management node, tax office node and bank node, which comprises
Management node initiates block chain transaction request, to trigger tax office node from the local income invoice number for obtaining enterprise
According to, generation tax office block, and tax office block is broadcasted；
Enterprise's node obtains tax office block, verifies the income invoice data, and after verification is errorless, raw
It is broadcasted at enterprise's block, and by enterprise's block；
The management node obtains enterprise's block, call analysis and processing module to the income invoice data after verification into
Row analysis processing generates management block, and the management block is broadcasted to obtain the purposes data of business capital；
The bank node obtains the management block, carries out risk assessment to the purposes data of the business capital, and
Bank's block is generated according to risk evaluation result, and bank's block is broadcasted.
Preferably, before the management node initiates block chain transaction request, the method also includes:
The request for the addition block chain alliance organization that the management node reception is sent by enterprise's node, and to
The feedback information that enterprise's node transmits and receives.
Preferably, after the feedback information that the management node is transmitted and received to enterprise's node, the method is also
Include:
Enterprise's node completes ca authentication by the certification invoicer interface module of the management node, so that the tax office
The communication connection of safety is established between node and the management node.
Preferably, the method also includes:
Enterprise's node can be obtained by the certification invoicer interface module of the management node from tax office node
The income invoice data of the enterprise, and the income invoice data are stored in the managing bill module of the management node,
To be managed to the income invoice data.
Preferably, the management node can also formulate intelligent contract, to solve enterprise's node, tax office section
Distribution of income between point, the management node and the bank node.
Second aspect of the embodiment of the present invention provides a kind of financial risks assessment system, and the system comprises block chain alliances
Tissue and enterprise's node, the block chain alliance organization include management node, tax office node and bank node,
The management node, for initiating block chain transaction request, with trigger tax office node from it is local obtain enterprise into
Item invoice data, generates tax office block, and tax office block is broadcasted；
Enterprise's node is verified the income invoice data, and verifying for obtaining tax office block
After errorless, enterprise's block is generated, and enterprise's block is broadcasted；
The management node is also used to obtain enterprise's block, and analysis and processing module is called to send out the income after verification
Ticket data is analyzed and processed, and to obtain the purposes data of business capital, generates management block, and the management block is carried out
Broadcast；
The bank node carries out risk to the purposes data of the business capital and comments for obtaining the management block
Estimate, and bank's block is generated according to risk evaluation result, and bank's block is broadcasted.
Preferably, the management node initiate block chain transaction request before, the management node be also used to receive by
The request for the addition block chain alliance organization that enterprise's node is sent, and the feedback transmitted and received to enterprise's node
Information.
Preferably, after the feedback information that the management node is transmitted and received to enterprise's node, enterprise's section
Point is also used to complete ca authentication by the certification invoicer interface module of the management node, so that tax office node and the pipe
The communication connection of safety is established between reason node.
Preferably, enterprise's node can be by the certification invoicer interface module of the management node, from the tax office
Node obtains the income invoice data of the enterprise, and the income invoice data are stored in the invoice pipe of the management node
Module is managed, to be managed to the income invoice data.
Preferably, the management node can also formulate intelligent contract, to solve enterprise's node, tax office section
Distribution of income between point, the management node and the bank node.
The third aspect of the embodiment of the present invention provides a kind of computer installation, including processor, which deposits in execution
When the computer program being stored on memory, for realizing the financial risks assessment side of first aspect of embodiment of the present invention offer
Method.
Fourth aspect of the embodiment of the present invention provides a kind of readable storage medium storing program for executing, is stored thereon with computer program, the meter
When calculation machine program is executed by processor, for realizing the financial risks appraisal procedure of first aspect of embodiment of the present invention offer.
As can be seen from the above technical solutions, the embodiment of the present invention has the advantage that
In the embodiment of the present invention, the management node in block chain alliance organization initiates block chain transaction request, to trigger tax
Office's node generates tax office block, and tax office block is broadcasted from the local income invoice data for obtaining enterprise；Enterprise's node
Obtain tax office block, income invoice data verified, and verify it is errorless after, generate enterprise's block, and by enterprise's block
It is broadcasted；Management node obtains enterprise's block, and analysis and processing module is called to analyze the income invoice data after verification
Processing generates management block, and management block is broadcasted to obtain the purposes data of business capital；Bank node obtains
Block is managed, risk assessment is carried out to the purposes data of business capital, and bank's block is generated according to risk evaluation result, and will
Bank's block is broadcasted.In the tax office block of the block chain, the original income invoice of enterprise is saved, in enterprise's block
In, the original income invoice after enterprise verifies is saved, and the original income invoice after verifying passes through point of management node
Analysis processing, obtains the business capital purposes corresponding to original income invoice, finally by bank node to business capital purposes number
According to risk assessment, obtain the risk evaluation result about business capital, may be implemented in entire block chain to business capital
In each data original retrospect, to realize the risk control to business capital.
Detailed description of the invention
Fig. 1 is a kind of one embodiment schematic diagram of financial risks appraisal procedure in the embodiment of the present invention；
Fig. 2 is a kind of another embodiment schematic diagram of financial risks appraisal procedure in the embodiment of the present invention；
Fig. 3 is a kind of another embodiment schematic diagram of financial risks appraisal procedure in the embodiment of the present invention；
Fig. 4 is a kind of another embodiment schematic diagram of financial risks appraisal procedure in the embodiment of the present invention；
Fig. 5 is a kind of one embodiment schematic diagram of financial risks assessment system in the embodiment of the present invention.
Specific embodiment
The embodiment of the invention provides a kind of financial risks appraisal procedure and systems, for realizing to the original of business capital
Retrospect, to realize the control to business capital risk.
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention
Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is only
The embodiment of a part of the invention, instead of all the embodiments.Based on the embodiments of the present invention, ordinary skill people
The model that the present invention protects all should belong in member's every other embodiment obtained without making creative work
It encloses.
Description and claims of this specification and term " first ", " second ", " third ", " in above-mentioned attached drawing
Four " etc. be to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should be understood that using in this way
Data be interchangeable under appropriate circumstances, so that the embodiments described herein can be in addition to illustrating herein or describing
Sequence other than appearance is implemented.In addition, term " includes " and " having " and their any deformation, it is intended that covering is non-exclusive
Include, for example, the process, method, system, product or equipment for containing a series of steps or units are not necessarily limited to clearly arrange
Those of out step or unit, but may include be not clearly listed or it is solid for these process, methods, product or equipment
The other step or units having.
For convenience of understanding, the financial risks appraisal procedure in the present invention is described below, wherein the fund assessment side
Method is applied to block chain alliance organization, which includes tax office node, management node and bank node, is please referred to
Fig. 1, one embodiment of financial risks appraisal procedure in the embodiment of the present invention, comprising:
It is easily understood that business capital during consumption, can be emerged from by way of invoice, and invoice is made
For the original certificate of the cost of generation, expense or income.For company, invoice is mainly the foundation that account is done by company, simultaneously
And the expense voucher that enterprise pays taxes to tax office, therefore tax office generally all can in the original income invoice that enterprise is locally stored, with
The voucher paid taxes as the enterprise to tax office.
In block chain alliance organization, block chain transaction request is initiated by management node first, to trigger different nodes
Different data blocks is generated, is traced with the use of funds to enterprise, referring specifically to described below:
101, management node initiates block chain transaction request, to trigger tax office node from the local income invoice for obtaining enterprise
Data generate tax office block, and tax office block are broadcasted；
In the block chain alliance organization, management node for initiating block chain transaction request, with trigger tax office node from
The local income invoice data for obtaining enterprise, generate tax office block, and the tax office block is broadcasted.
Specifically, because tax office (Administration of State Bureau and local tax office) all can be in the original income hair that each enterprise is locally stored
Ticket, using the expense voucher paid taxes as enterprise to tax office, therefore when the management node in block chain initiates block chain transaction request,
The income invoice data that tax office node obtains enterprise from local database can be triggered, generate tax office block, and by the tax
Office's block is broadcasted, so that other nodes in block chain alliance organization can get the tax office block.
102, enterprise's node obtains tax office block, verifies the income invoice data, and errorless verifying
Afterwards, enterprise's block is generated, and enterprise's block is broadcasted；
After tax office node is broadcasted tax office block, enterprise's node in block chain alliance organization obtains the area Shui Ju
Block, and the income invoice data in tax office block are verified, to screen out error, or it is not belonging to the income invoice number of this enterprise
According to then enterprise's income invoice data according to verification after errorless, generate enterprise's block, and enterprise's block is broadcasted, make
Other nodes obtained in block chain alliance organization can get enterprise's block.
103, management node obtains enterprise's block, call analysis and processing module to the income invoice data after verification into
Row analysis processing generates management block, and the management block is broadcasted to obtain the purposes data of business capital；
After enterprise's node is broadcasted enterprise's block, the management node in block chain alliance organization obtains enterprise zone
Block, and analysis and processing module is called to be analyzed and processed the income invoice data after verification, to obtain the purposes of business capital
Data, and management block is generated, and the management block is broadcasted.
It is easily understood that analysis and processing module can be module built-in in management node, it is also possible to third party and sets
Built-in module in standby, and management node is called by api interface or other interfaces, to realize to income in enterprise's block
Invoice data is analyzed and processed, to obtain the purposes data of business capital.
Further, because the side of making out an invoice all has been expressly recited in every invoice, the amount of money of making out an invoice, project of making out an invoice is made out an invoice the date, therefore
It is easy to obtain the purposes data of business capital according to income invoice data, to obtain the intuitive number of business capital purposes
According to.
104, bank node obtains the management block, carries out risk assessment to the purposes data of the business capital, and
Bank's block is generated according to risk evaluation result, and bank's block is broadcasted.
Management node will manage after block broadcasted, and the bank node in block chain alliance organization obtains management block,
To carry out risk assessment to business capital according to the business capital purposes data income in management block, and according to risk assessment
As a result bank's block is generated, and bank's block is broadcasted, so that other nodes in block chain alliance organization can obtain
Take bank's block.
In conclusion tax office node, management node and bank node in enterprise's node and block chain alliance organization, will look forward to
The income invoice data of industry generate tax office block by corresponding processing, manage block and bank's block, realize from enterprise
Income invoice data further arrive the risk evaluation result of business capital purposes data to business capital purposes data, and
The trackability that each step data is realized by block chain improves the reliability of business capital risk evaluation result and traces to the source
Property.
In the embodiment of the present invention, the management node in block chain alliance organization initiates block chain transaction request, to trigger tax
Office's node generates tax office block, and tax office block is broadcasted from the local income invoice data for obtaining enterprise；Enterprise's node
Obtain tax office block, income invoice data verified, and verify it is errorless after, generate enterprise's block, and by enterprise's block
It is broadcasted；Management node obtains enterprise's block, and analysis and processing module is called to analyze the income invoice data after verification
Processing generates management block, and management block is broadcasted to obtain the purposes data of business capital；Bank node obtains
Block is managed, risk assessment is carried out to the purposes data of business capital, and bank's block is generated according to risk evaluation result, and will
Bank's block is broadcasted.In the tax office block of the block chain, the original income invoice of enterprise is saved, in enterprise's block
In, the original income invoice after enterprise verifies is saved, and the original income invoice after verifying passes through point of management node
Analysis processing, obtains the business capital purposes corresponding to original income invoice, finally by bank node to business capital purposes number
According to risk assessment, obtain the risk evaluation result about business capital, may be implemented in entire block chain to business capital
In each data original retrospect, to improve the reliability and traceability of the risk control to business capital.
Based on Fig. 1 the embodiment described, before management node initiates block chain transaction request, this method further includes following
Step, referring to Fig. 2, in the present invention financial risks appraisal procedure another embodiment, comprising:
201, the request for the addition block chain alliance organization that management node reception is sent by enterprise's node, and to
The feedback information that enterprise's node transmits and receives；
Before executing risk assessment to business capital, enterprise's node also needs to be added block chain alliance organization, i.e. enterprise
Management node of the node into block chain alliance organization, which is sent, is added request, block chain alliance organization is added with application, so that area
Other nodes in block chain alliance organization carry out risk assessment to business capital.
After enterprise's node is sent to management node, and request is added, management node is just to the feedback of enterprise's node transmitting and receiving
Information allows enterprise's node that block chain alliance organization is added with prompt.
202, enterprise's node completes ca authentication by the certification invoicer interface module of the management node, so that the tax office
The communication connection of safety is established between node and the management node.
After enterprise's node receives the reception feedback information sent by management node, in order to carry out identity to enterprise's node
Certification, enterprise's node need to complete ca authentication by the certification invoicer interface module of management node.
Specifically, ca authentication refers to e-business certification authorized organization, it is responsible for the power of distribution & management digital certificate
Prestige mechanism, and as third party trusted in e-commerce transaction, undertake the duty that the legitimacy of public key in Public Key Infrastructure is examined
Appoint.Into after crossing ca authentication, it is ensured that realize the confidentiality of data, i.e., only addressee could read data information, can be with
Realize the authentication property to data, the i.e. identity information of confirmation message sender, it can also be ensured that the integrality of data, i.e. information exist
It will not be tampered in transmittance process, can also realize non repudiation, is i.e. sender cannot deny the information sent.
Therefore when enterprise's node is after being added block chain alliance organization, and by the certification invoicer interface module in management node
After completing ca authentication, management node can agency shop node and tax office node interact so that management node and tax office
The communication connection of safety is established between node.
In conclusion the management node hair before block chain alliance organization is added in enterprise's node, into block chain alliance organization
It send addition to request, and after the addition is complete, completes ca authentication by the certification invoicer interface module in management node, so that management
The secure communication that node is established between tax office node connects, to ensure that the authenticity of data between block chain node and have
Effect property.
Based on Fig. 2 the embodiment described, management node can be also used for executing other steps, referring to Fig. 3, the present invention is real
Apply another embodiment of financial risks appraisal procedure in example, comprising:
301, enterprise's node can be obtained by the certification invoicer interface module of the management node from tax office node
The income invoice data of the enterprise, and the income invoice data are stored in the managing bill module of the management node,
To be managed to the income invoice data；
It should be noted that the management node in block chain alliance organization further includes managing bill module, when enterprise's node
By the certification invoicer interface module in management node, after the income invoice data that tax office node obtains the enterprise, can incite somebody to action
The income invoice data of enterprise are stored in the managing bill module of management node, to realize enterprise's node to income invoice data
Management.
In addition, management node can also be connect by authenticating invoice after enterprise's node completes ca authentication by management node
Mouth mold block, obtains the income invoice data of enterprise in real time or in the slave tax office node of timing, and the invoice data is stored in hair
In ticket management module, so that enterprise's income invoice data and the income invoice of the enterprise in tax office node in managing bill module
Data keep synchronizing.
Based on Fig. 1 to Fig. 3 the embodiment described, following steps are can also be performed in management node, to realize block chain alliance
Distribution of interests in tissue between each node, referring to Fig. 4, in the embodiment of the present invention financial risks appraisal procedure another reality
Apply example, comprising:
401, management node formulates intelligent contract, with solve enterprise's node, tax office node, management node and bank node it
Between distribution of income.
In the block chain alliance organization, management node can also formulate intelligent contract, to solve enterprise's node, tax office section
Distribution of income between point, management node and bank node.
In practical application scene, bank node is usually the monitoring side of business capital purposes data risk, with realization pair
The risk monitoring and control of business capital, therefore in the present embodiment, management node can formulate intelligent contract, to solve tax office node, pipe
Distribution of income between reason node and bank node can be as a kind of possible embodiment and pay expense by bank node,
And distribution of income is participated in by management node and tax office node；And in other embodiments, it is also possible to enterprise's node payment expense,
Distribution of income is participated in by management node, tax office node and bank node.
It should be noted that the intelligent contract that management node is formulated in the present embodiment, it can be according to practical application scene
Difference, the content in intelligent contract is different, as long as the distribution of income between each node may be implemented, herein to tool
The content of the income distribution program of body is with no restrictions.
Described above is the methods of financial risks assessment, are described, please refer to the system of financial risks assessment below
Fig. 5, one embodiment of financial risks assessment system in the embodiment of the present invention, comprising:
Enterprise's node 501 and block chain alliance organization 502, wherein block chain alliance organization 502 includes tax office node again
5021, management node 5022 and bank node 5023,
Management node 5022 obtains enterprise for initiating block chain transaction request to trigger tax office node 5021 from local
Income invoice data, generate tax office block, and tax office block broadcasted；
Enterprise's node 501 is verified the income invoice data, and verifying for obtaining tax office block
After errorless, enterprise's block is generated, and enterprise's block is broadcasted；
The management node 5022, is also used to obtain enterprise's block, call analysis and processing module to after verification into
Invoice data is analyzed and processed, and to obtain the purposes data of business capital, generates management block, and by the management block
It is broadcasted；
The bank node 5023 carries out wind to the purposes data of the business capital for obtaining the management block
Danger assessment, and bank's block is generated according to risk evaluation result, and bank's block is broadcasted.
Preferably, management node 5022 further include certification invoicer interface module 50221 and managing bill module 50222；
Preferably, before the management node initiates block chain transaction request, the management node 5022 is also used to connect
The request of the addition block chain alliance organization sent by enterprise's node is received, and is connect to enterprise's node 501 transmission
The feedback information of receipts；
Preferably, described after the feedback information that the management node 5022 is transmitted and received to enterprise's node 501
Enterprise's node 501 is also used to complete ca authentication by the certification invoicer interface module 50221 of the management node, so that the tax
The communication connection of safety is established between office's node and the management node；
Preferably, enterprise's node 501 can also be by the certification invoicer interface module 50221 of the management node, from institute
The income invoice data that tax office node 5021 obtains the enterprise are stated, and the income invoice data are stored in the management and are saved
In the managing bill module 50222 of point, to be managed to the income invoice data；
Preferably, the management node 5022 can also formulate intelligent contract, to solve enterprise's node 501, described
Distribution of income between tax office node 5021, the management node 5022 and the bank node 5023.
It should be noted that enterprise's node in the present embodiment, tax office node, management node and bank node effect and figure
1 to similar described in embodiment described in Fig. 4, and details are not described herein again.
In the embodiment of the present invention, the management node 5022 in block chain alliance organization initiates block chain transaction request, with touching
Tax office node 5021 is sent out from the local income invoice data for obtaining enterprise, generates tax office block, and tax office block is broadcasted；
Enterprise's node 501 obtains tax office block, verifies income invoice data, and after verification is errorless, generates enterprise's block, and
Enterprise's block is broadcasted；Management node 5022 obtains enterprise's block, and analysis and processing module is called to send out the income after verification
Ticket data is analyzed and processed, and to obtain the purposes data of business capital, generates management block, and it is wide to manage block progress
It broadcasts；Bank node 5023 obtains management block, carries out risk assessment to the purposes data of business capital, and according to risk assessment knot
Fruit generates bank's block, and bank's block is broadcasted.In the tax office block of the block chain, save enterprise it is original into
Invoice saves the original income invoice after enterprise verifies in enterprise's block, and the original income invoice after verifying
Analysis processing by management node, obtains the business capital purposes corresponding to original income invoice, finally passes through bank node
Risk assessment to business capital purposes data obtains the risk evaluation result about business capital, can in entire block chain
To realize original retrospect to data each in business capital, thus improve the risk control to business capital reliability and
Traceability.
The financial risks assessment system in the embodiment of the present invention is retouched from the angle of modular functionality entity above
It states, the computer installation in the embodiment of the present invention is described from the angle of hardware handles below, the embodiment of the present invention is fallen into a trap
Calculation machine device one embodiment includes:
Processor and memory；
Memory can when processor is used to execute the computer program stored in memory for storing computer program
To realize following steps:
Management node initiates block chain transaction request, to trigger tax office node from the local income invoice number for obtaining enterprise
According to, generation tax office block, and tax office block is broadcasted；
Enterprise's node obtains tax office block, verifies the income invoice data, and after verification is errorless, raw
It is broadcasted at enterprise's block, and by enterprise's block；
The management node obtains enterprise's block, call analysis and processing module to the income invoice data after verification into
Row analysis processing generates management block, and the management block is broadcasted to obtain the purposes data of business capital；
The bank node obtains the management block, carries out risk assessment to the purposes data of the business capital, and
Bank's block is generated according to risk evaluation result, and bank's block is broadcasted.
In some embodiments of the invention, processor can be also used for realizing following steps:
The request for the addition block chain alliance organization that the management node reception is sent by enterprise's node, and to
The feedback information that enterprise's node transmits and receives.
In some embodiments of the invention, processor can be also used for realizing following steps:
Enterprise's node completes ca authentication by the certification invoicer interface module of the management node, so that the tax office
The communication connection of safety is established between node and the management node.
In some embodiments of the invention, processor can be also used for realizing following steps:
Enterprise's node can be obtained by the certification invoicer interface module of the management node from tax office node
The income invoice data of the enterprise, and the income invoice data are stored in the managing bill module of the management node,
To be managed to the income invoice data.
In some embodiments of the invention, processor can be also used for realizing following steps:
The management node can also formulate intelligent contract, to solve enterprise's node, tax office node, the pipe
Manage the distribution of income between node and the bank node.
It is understood that when the processor in above explained computer installation executes the computer program, it can also
To realize the function of each node in above-mentioned corresponding each Installation practice, details are not described herein again.The computer installation can be
Desktop PC, notebook, palm PC and cloud server etc. calculate equipment.The computer installation may include but not only
It is limited to processor, memory.It will be understood by those skilled in the art that processor, memory are only the example of computer installation,
The restriction to computer installation is not constituted, may include more or fewer components, perhaps combines certain components or difference
Component, such as the computer installation can also include input-output equipment, network access equipment, bus etc..
The processor can be central processing unit (Central Processing Unit, CPU), can also be it
His general processor, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng the processor is the control centre of the computer installation, utilizes various interfaces and the entire computer installation of connection
Various pieces.
The memory can be used for storing the computer program and/or module, and the processor is by operation or executes
Computer program in the memory and/or module are stored, and calls the data being stored in memory, described in realization
The various functions of computer installation.The memory can mainly include storing program area and storage data area, wherein storage program
It area can application program needed for storage program area, at least one function etc.；Storage data area can store the use according to terminal
The data etc. created.In addition, memory may include high-speed random access memory, it can also include non-volatile memories
Device, such as hard disk, memory, plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure
Digital, SD) card, flash card (Flash Card), at least one disk memory, flush memory device or other volatibility are solid
State memory device.
The present invention also provides a kind of computer readable storage mediums, and the computer readable storage medium is for realizing risk
The function of assessment system is stored thereon with computer program, and when computer program is executed by processor, processor can be used for
Execute following steps:
Management node initiates block chain transaction request, to trigger tax office node from the local income invoice number for obtaining enterprise
According to, generation tax office block, and tax office block is broadcasted；
Enterprise's node obtains tax office block, verifies the income invoice data, and after verification is errorless, raw
It is broadcasted at enterprise's block, and by enterprise's block；
The management node obtains enterprise's block, call analysis and processing module to the income invoice data after verification into
Row analysis processing generates management block, and the management block is broadcasted to obtain the purposes data of business capital；
The bank node obtains the management block, carries out risk assessment to the purposes data of the business capital, and
Bank's block is generated according to risk evaluation result, and bank's block is broadcasted.
In some embodiments of the invention, the computer program of computer-readable recording medium storage is executed by processor
When, processor can be specifically used for executing following steps:
The request for the addition block chain alliance organization that the management node reception is sent by enterprise's node, and to
The feedback information that enterprise's node transmits and receives.
In some embodiments of the invention, the computer program of computer-readable recording medium storage is executed by processor
When, processor can be specifically used for executing following steps:
Enterprise's node completes ca authentication by the certification invoicer interface module of the management node, so that the tax office
The communication connection of safety is established between node and the management node.
In some embodiments of the invention, the computer program of computer-readable recording medium storage is executed by processor
When, processor can be specifically used for executing following steps:
Enterprise's node can be obtained by the certification invoicer interface module of the management node from tax office node
The income invoice data of the enterprise, and the income invoice data are stored in the managing bill module of the management node,
To be managed to the income invoice data.
In some embodiments of the invention, the computer program of computer-readable recording medium storage is executed by processor
When, processor can be specifically used for executing following steps:
The management node can also formulate intelligent contract, to solve enterprise's node, tax office node, the pipe
Manage the distribution of income between node and the bank node.
It is understood that if the integrated unit is realized in the form of SFU software functional unit and as independent production
Product when selling or using, can store in a corresponding computer-readable storage medium.Based on this understanding, this hair
The bright all or part of the process realized in above-mentioned corresponding embodiment method, can also be instructed relevant by computer program
Hardware is completed, and the computer program can be stored in a computer readable storage medium, which is being located
It manages when device executes, it can be achieved that the step of above-mentioned each embodiment of the method.Wherein, the computer program includes computer program generation
Code, the computer program code can be source code form, object identification code form, executable file or certain intermediate forms
Deng.The computer-readable medium may include: any entity or device, record that can carry the computer program code
It is medium, USB flash disk, mobile hard disk, magnetic disk, CD, computer storage, read-only memory (ROM, Read-OnlyMemory), random
Access memory (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It needs
It is noted that the content that the computer-readable medium includes can be according to making laws in jurisdiction and patent practice is wanted
It asks and carries out increase and decrease appropriate, such as in certain jurisdictions, do not include according to legislation and patent practice, computer-readable medium
Electric carrier signal and telecommunication signal.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components
It can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown or
The mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, the indirect coupling of device or unit
It closes or communicates to connect, can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
The above, the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although referring to before
Stating embodiment, invention is explained in detail, those skilled in the art should understand that: it still can be to preceding
Technical solution documented by each embodiment is stated to modify or equivalent replacement of some of the technical features；And these
It modifies or replaces, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution.
Claims (10)
1. a kind of financial risks appraisal procedure, which is characterized in that be applied to block chain alliance organization, the block chain alliance organization
Including management node, tax office node and bank node, which comprises
The management node initiates block chain transaction request, to trigger tax office node from the local income invoice for obtaining enterprise
Data generate tax office block, and tax office block are broadcasted；
Enterprise's node obtains tax office block, verifies the income invoice data, and after verification is errorless, generates enterprise
Industry block, and enterprise's block is broadcasted；
The management node obtains enterprise's block, and analysis and processing module is called to divide the income invoice data after verification
Analysis processing generates management block, and the management block is broadcasted to obtain the purposes data of business capital；
The bank node obtains the management block, the purposes data progress risk assessment to the business capital, and according to
Risk evaluation result generates bank's block, and bank's block is broadcasted.
2. the method according to claim 1, wherein the management node initiate block chain transaction request it
Before, the method also includes:
The management node receives the request that the block chain alliance organization is added sent by enterprise's node, and to described
The feedback information that enterprise's node transmits and receives.
3. according to the method described in claim 2, it is characterized in that, being transmitted and received in the management node to enterprise's node
Feedback information after, the method also includes:
Enterprise's node completes ca authentication by the certification invoicer interface module of the management node, so that tax office node
The communication connection of safety is established between the management node.
4. according to the method described in claim 3, it is characterized in that, the method also includes:
Enterprise's node can be by the certification invoicer interface module of the management node, described in the acquisition of tax office node
The income invoice data of enterprise, and the income invoice data are stored in the managing bill module of the management node, with right
The income invoice data are managed.
5. method according to claim 1 to 4, which is characterized in that the management node can also formulate intelligence
Energy contract, to solve the income between enterprise's node, tax office node, the management node and the bank node point
Match.
6. a kind of financial risks assessment system, which is characterized in that the system comprises block chain alliance organization and enterprise's node, institutes
Stating block chain alliance organization includes management node, tax office node and bank node,
The management node, for initiating block chain transaction request, to trigger tax office node from the local income hair for obtaining enterprise
Ticket data generates tax office block, and tax office block is broadcasted；
Enterprise's node verifies the income invoice data for obtaining tax office block, and errorless verifying
Afterwards, enterprise's block is generated, and enterprise's block is broadcasted；
The management node is also used to obtain enterprise's block, calls analysis and processing module to the income invoice number after verification
According to being analyzed and processed, to obtain the purposes data of business capital, management block is generated, and the management block is carried out extensively
It broadcasts；
The bank node carries out risk assessment to the purposes data of the business capital for obtaining the management block, and
Bank's block is generated according to risk evaluation result, and bank's block is broadcasted.
7. system according to claim 6, which is characterized in that the management node initiate block chain transaction request it
Before, the management node is also used to receive the request of the addition block chain alliance organization sent by enterprise's node, and
The feedback information transmitted and received to enterprise's node.
8. system according to claim 7, which is characterized in that transmitted and received in the management node to enterprise's node
Feedback information after, enterprise's node is also used to complete CA by the certification invoicer interface module of the management node to recognize
Card, so that establishing the communication connection of safety between tax office node and the management node.
9. a kind of computer installation, including processor, which is characterized in that the meter that the processor is stored on memory in execution
When calculation machine program, for realizing the financial risks appraisal procedure as described in any one of claims 1 to 5.
10. a kind of readable storage medium storing program for executing, is stored thereon with computer program, which is characterized in that the computer program is processed
When device executes, for realizing the financial risks appraisal procedure as described in any one of claims 1 to 5.
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| CN201811469465.6A CN109615509A (en) | 2018-11-28 | 2018-11-28 | A kind of financial risks appraisal procedure and system |
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| CN201811469465.6A CN109615509A (en) | 2018-11-28 | 2018-11-28 | A kind of financial risks appraisal procedure and system |
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| CN112884259A (en) * | 2019-11-29 | 2021-06-01 | 财团法人亚洲大学 | Cross-enterprise credit rating and risk assessment method and system |
| CN114240407A (en) * | 2021-11-17 | 2022-03-25 | 广东电网有限责任公司 | Bill risk conduction quantitative evaluation system and method based on block chain |
| CN115115290A (en) * | 2022-08-29 | 2022-09-27 | 深圳装速配科技有限公司 | Building material supplier management system and method based on risk assessment |
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Address after: Guangdong Nanshan District street of Shenzhen city in Guangdong province 518000 Shenzhen international software park a 8 Building 202 room Applicant after: Shenzhen Weizhong credit Technology Co.,Ltd. Address before: Guangdong Nanshan District street of Shenzhen city in Guangdong province 518000 Shenzhen international software park a 8 Building 202 room Applicant before: SHENZHEN VZOOM CREDIT INFORMATION SERVICE CO.,LTD. |
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Application publication date: 20190412 |