CN109801159A - Internet electric business financing management method and system based on block chain - Google Patents
Internet electric business financing management method and system based on block chain Download PDFInfo
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Abstract
The invention discloses a kind of internet electric business financing management method and system based on block chain, this method comprises: creating internet electric business financing alliance's chain of each bank and electric business platform, wherein, business transaction data and credit data are stored in internet electric business financing alliance's chain；According to the data stored in internet electric business financing alliance's chain, the credit model of enterprise is created；Based on the credit model of business transaction data and the enterprise in internet electric business financing alliance's chain, financing processing is carried out to enterprise, realizes the financing management to enterprise.The present invention solves the multi-party trust problem in supply chain financial scenario, and credit risk is effectively reduced.
Description
Technical field
The present invention relates to block chain technical fields, more particularly to a kind of internet electric business financing management based on block chain
Method and system.
Background technique
Supply chain financing refers to that relying on industry supply chain provides comprehensive financing services to upstream and downstream numerous enterprises, solves
Upstream and downstream firms periodically lack of capital problem, maintain the normal operation of capital chain, construct the mutual of bank, enterprise and supply chain
Benefit coexists, the industry ecological of sustainable development.But core enterprise occupies in supply chain network predominantly in traditional Supply chain financing
Position, using core enterprise as starting point, the node for supply chain upstream and downstream provides finance support for bank.Bank closes with core enterprise
When making to carry out supply chain financial business, true Transaction Information and data are provided dependent on core enterprise, is constructed based on this
Air control model, but effective technological means is had no to guarantee that enterprise provides the authenticity of information, there are forgery or altered datas
May, it thus can bring a series of credit risks.
Summary of the invention
It is directed to the above problem, the present invention provides a kind of internet electric business financing management method based on block chain and is
System, solves the multi-party trust problem in supply chain financial scenario, credit risk is effectively reduced.
To achieve the goals above, the present invention provides the following technical scheme that
A kind of internet electric business financing management method based on block chain, this method comprises:
Create internet electric business financing alliance's chain of each bank and electric business platform, wherein the internet electric business financing
Business transaction data and credit data are stored in alliance's chain；
According to the data stored in internet electric business financing alliance's chain, the credit model of enterprise is created；
Based on the credit model of business transaction data and the enterprise in internet electric business financing alliance's chain, to enterprise
Industry carries out financing processing, realizes the financing management to enterprise.
Optionally, internet electric business financing alliance's chain of each bank of the creation and electric business platform, comprising:
It will participate in mechanism and be deployed as block chain node, and the block chain node is formed into internet electric business financing alliance
Chain, wherein the participation mechanism includes electric business platform and bank；
Based on to the authentication for participating in mechanism, internet electric business financing alliance is distributed for the participation mechanism
The access interface of chain, so that the participation mechanism is based on the access interface and carries out data access；
The credit data and business transaction data for being provided the electric business platform and bank based on the access interface are uploaded
To internet electric business financing alliance's chain.
Optionally, this method further include:
It trades in response to enterprise in electric business platform, access interface is based on for current number of deals by the electric business platform
According to internet electric business financing alliance's chain is uploaded to, the update to the business transaction data is realized.
Optionally, described according to the data stored in internet electric business financing alliance's chain, create the credit mould of enterprise
Type, comprising:
Based on the data stored in internet electric business financing alliance's chain, the credit mould of enterprise is established using intelligent contract
Type.
Optionally, this method further include:
According to the data stored in internet electric business financing alliance's chain, core enterprise is filtered out, wherein the storage
Data include business transaction data and business loan data；
Filter out corresponding downstream distributor, the core enterprise, the target customer as loan financing service.
Optionally, this method further include:
According to the business data in internet electric business alliance chain, evaluation model is created；
According to the evaluation model, grading marking is carried out to enterprise；
The credit model of grading marking and enterprise based on enterprise, calculates the accrediting amount of enterprise.
Optionally, this method further include:
In response to the loan payment that enterprise selects when electric business platform is traded, the credit information of enterprise is uploaded to institute
State internet electric business financing alliance's chain；
By intelligent contract corresponding with internet electric business financing alliance's chain, the refund state of the enterprise is monitored,
And carry out refund information update.
A kind of internet electric business finance management system based on block chain, the system include:
First creating unit, for creating internet electric business financing alliance's chain of each bank and electric business platform, wherein institute
It states in internet electric business financing alliance's chain and is stored with business transaction data and credit data；
Second creating unit, for creating enterprise according to the data stored in internet electric business financing alliance's chain
Credit model；
Processing unit, for based in internet electric business financing alliance's chain business transaction data and the enterprise
Credit model carries out financing processing to enterprise, realizes the financing management to enterprise.
Optionally, first creating unit includes:
Subelement is formed, is deployed as block chain node for mechanism will to be participated in, and the block chain node is formed and is interconnected
Net electric business financing alliance's chain, wherein the participation mechanism includes electric business platform and bank；
Subelement is distributed, for distributing for the participation mechanism described mutual based on to the authentication for participating in mechanism
The access interface of electric business of networking financing alliance's chain, so that the participation mechanism is based on the access interface and carries out data access；
Upload subelement, credit data and enterprise for providing the electric business platform and bank based on the access interface
Industry transaction data is uploaded to internet electric business financing alliance's chain.
Optionally, the system further include:
Subelement is updated, for trading in response to enterprise in electric business platform, access is based on by the electric business platform
Current transaction data is uploaded to internet electric business financing alliance's chain by interface, is realized to the business transaction data more
Newly.
Compared to the prior art, the present invention provides a kind of internet electric business financing management method based on block chain and it is
System creates internet electric business financing alliance's chain of each bank and electric business platform in the method, realizes to business transaction
Data and the permanent of credit data record and are not easy the characteristic distorted, and the multi-party trust solved in supply chain financial scenario is asked
Topic, and enterprise's credit model based on creation carries out financing management to enterprise, can be carried out based on the true financial status of enterprise
Management, reduces credit risk.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is that a kind of process of the internet electric business financing management method based on block chain provided in an embodiment of the present invention is shown
It is intended to；
Fig. 2 is a kind of structural schematic diagram of the financial system based on block chain provided in an embodiment of the present invention；
Fig. 3 is a kind of internet electric business financing business process map based on block chain provided in an embodiment of the present invention；
Fig. 4 is that a kind of structure of the internet electric business finance management system based on block chain provided in an embodiment of the present invention is shown
It is intended to.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Term " first " and " second " in description and claims of this specification and above-mentioned attached drawing etc. are for area
Not different objects, rather than for describing specific sequence.Furthermore term " includes " and " having " and their any deformations,
It is intended to cover and non-exclusive includes.Such as it contains the process, method of a series of steps or units, system, product or sets
It is standby not to be set in listed step or unit, but may include the step of not listing or unit.
For the ease of understanding technical solution proposed by the present invention, now some technical terms are explained.
Supply chain financing: be using in supply chain core enterprise and its mating enterprise of relevant upstream and downstream it is whole as one
Body is formulated the whole finance based on goods power and Control of cash flow according to the transaction relationship of enterprise in supply chain and industry characteristic and is solved
A kind of Financing Mode of scheme.Supply chain financing solves the problems, such as that upper and lower Corporate finance is difficult, guarantee is difficult, and by getting through on
Downstream financing bottleneck can also reduce supply chain finance costs, improve core enterprise, that is, mating enterprise competitiveness.
Core enterprise: refer to the particular customer for meeting supply chain core enterprise requirements for sale on electric business platform.
Upstream firm: enterprise and producer in industry production and business initial stage, these producers mainly produce downstream
Raw material and primary product necessary to enterprise.
Down-stream enterprise: the end in industrial chain carries out processing and manufacturing finished product to raw material and part, with upstream firm phase
It is corresponding.
Commercial circle: refer to and meet the core trade company for carrying out electric business Supply chain financing business and its upstream and downstream supplier and dealer.
A kind of internet electric business financing management method based on block chain is provided in embodiments of the present invention, referring to Fig. 1,
This method comprises:
Internet electric business financing alliance's chain of S101, each bank of creation and electric business platform；
Wherein, business transaction data and credit data are stored in internet electric business financing alliance's chain.
The method for establishing internet electric business financing alliance's chain, comprising:
S201, participation mechanism is deployed as block chain node, and block chain node composition internet electric business is financed
Alliance's chain, wherein the participation mechanism includes electric business platform and bank；
S202, based on to the authentication for participating in mechanism, melt for the participations mechanism distribution internet electric business
The access interface of alliance's chain is provided, so that the participation mechanism is based on the access interface and carries out data access；
S203, the credit data and business transaction number that the electric business platform and bank are provided based on the access interface
According to being uploaded to internet electric business financing alliance's chain.
An internet electric business financial system can be constructed, which constructs the alliance comprising electric business platform and bank
Chain is got through information flow, logistics and the cash flow in supply chain ecology, by excavating the true enterprise supply chain on block chain
Data, construct valuation of enterprise and credit letter model, realize that examination & approval are intelligent by intelligent contract, provide conveniently for medium-sized and small enterprises
Efficiently cash flow lending service.
The essence of the system is multiple participation mechanisms such as a block catenary system, including electric business platform, bank, wherein each
Mechanism disposes a block chain node, and electric business platform and bank may each be more families, realize cross-platform data sharing.Each machine
Own system is docked the interface of block platform chain by access transformation by structure, is realized and is changed on Supply chain financing whole process line.Mechanism
By the existing access to data on chain of call area block chaining cause for gossip, block platform chain carries out authentication, and base to access mechanism
Different interfaces is provided for electric business platform and bank in authority identity, to meet its different data access requirements.Electric business platform
As the provider of credit data, the true supply chain transaction of a large amount of enterprises and logistics information are sent to block chain, block chain
Each node saves the copy of the information, so that being difficult to tamper with after information cochain.It is more by being introduced in block chain network
A electric business platform, including bank's self-operation electric business platform and third party's electric business mechanism, can construct more complete supply chain view.
The data stored in S102, alliance's chain of being financed according to the internet electric business, create the credit model of enterprise.
Based on the data stored in internet electric business financing alliance's chain, the credit model of enterprise is established using intelligent contract,
I.e. system establishes credit model according to transaction of the enterprise on chain and loan data, bank can be completed based on this credit model into
The analysis of one step authorizes certain using for enterprise and believes amount.
S103, the credit mould based on business transaction data and the enterprise in internet electric business financing alliance's chain
Type carries out financing processing to enterprise, realizes the financing management to enterprise.
Based on the data abundant provided in internet electric business financing alliance's chain, company information is carried out using big data technology
Excavation, establish intelligent valuation of enterprise credit model, while standard is shared with intelligent forms of contract agreement uniform data, and will
It is imbedded in credit model in intelligent contract code, realizes credit, examination & approval and the intelligence with links such as letters, automatic processing, fill
Divide and mitigate manual examination and verification burden, reduce system complexity, promotes business processing efficiency.
The present invention provides a kind of internet electric business financing management method based on block chain creates each in the method
The internet electric business of a bank and electric business platform financing alliance's chain, realizes the permanent note to business transaction data and credit data
The characteristic distorted is recorded and be not easy, solves the multi-party trust problem in supply chain financial scenario, and enterprise's credit based on creation
Model carries out financing management to enterprise, can be managed based on the true financial status of enterprise, reduce credit risk.
It referring to fig. 2, is a kind of structural schematic diagram of the financial system based on block chain provided in an embodiment of the present invention, at this
Block platform chain includes electric business platform and bank in system, and the transaction related information of enterprise is distributed to block chain by electric business platform
In, the credit data of relevant enterprise can be uploaded and be stored by the credit system that corresponding block chain also docks bank.
Each bank and electric business platform set up internet electric business and finance alliance's chain, by access region block chaining mouth by business transaction
And system data imports block chain from relational database batch, forms shop fixtures data.Electric business platform completes enterprise's historical trading number
According to importing, bank complete business loan data importing.
Also, can also real-time update and supplement be carried out to transaction data, specifically include:
It trades in response to enterprise in electric business platform, access interface is based on for current number of deals by the electric business platform
According to internet electric business financing alliance's chain is uploaded to, the update to the business transaction data is realized.
For example, enterprise, when electric business platform is traded, electric business platform is called by interface and sends order information
To block chain, order information include order essential information (O/No., the order amount of money, Order Date), this order it is upper
Down-stream enterprise's information (enterprise's number, the enterprise names of both parties), logistics information (delivery state), the order means of payment are (straight
Connect payment or loan payment) etc. information.Enterprise can choose direct payment or loan payment, directly when carrying out order payment
Payment is that the side of buying in completes to pay by one's own reserves, and loan payment is to be provided to complete payment without mortgage short term loan by bank.
System establishes credit model according to transaction of the enterprise on chain and loan data, and bank can be based on this credit model
The further analysis of completion authorizes certain using for enterprise and believes amount.Enterprise can choose " loan payment " choosing in payment
, the credit information of bank is inquired from chain, it is preferential that different banks may provide the different accrediting amount and interest rate.If should
The amount of money of order after then enterprise selects the financial service of certain bank, can automatically generate electricity in the range of the accrediting amount allows
Sub- loan agreement sends electronic contract on chain after enterprise completes electronic signature confirmation, formed the loan that can not distort with
Card.After the signature of completion contract, is made loans by the execution of bank credit payment system, complete payment of being commissioned.The process can pass through intelligence
The completion of contract trigger mechanism is examined and makes loans automatically.Credit information is also registered on block chain by electric business platform, including order is compiled
Number, the amount of the loan, loan interest rate, loan application people, lending bank, loan starting date, loan Expiration Date etc..Credit model simultaneously
The middle amount that the available loan limit of the enterprise is deducted to this order loan.
Specifically, this method can also be updated refund information etc., comprising:
In response to the loan payment that enterprise selects when electric business platform is traded, the credit information of enterprise is uploaded to institute
State internet electric business financing alliance's chain；
By intelligent contract corresponding with internet electric business financing alliance's chain, the refund state of the enterprise is monitored,
And carry out refund information update.
Enterprise can inquire the detail for all loans completed by electric business platform, and electric business platform passes through call area block chaining
Mouth inquiry enterprise's correlation loan data, including the loan detail wait refund, be settled.For contract to be refunded, enterprise is optional
Select payment beforehand, payment beforehand refer to by enterprise at the date of maturity before, manually perform refund operation.It is gone back in advance if enterprise is non-selected
Money, then default is automatic refunds, and after automatic refund refers to that loan expires, calls refund to connect automatically by the trigger mechanism of intelligent contract
Mouth deducts to repayment amount from business account and updates loan status, thus avoids the overdue risk of honouring an agreement that do not refund of enterprise.
In order to promote service quality, also need to filter out target customer as Priority Service object in financing management process,
The process includes:
According to the data stored in internet electric business financing alliance's chain, core enterprise is filtered out, wherein the storage
Data include business transaction data and business loan data；
Filter out corresponding downstream distributor, the core enterprise, the target customer as loan financing service.
Then analysis and assessment can be carried out to corresponding enterprise, determines the accrediting amount, comprising:
According to the business data in internet electric business alliance chain, evaluation model is created；
According to the evaluation model, grading marking is carried out to enterprise；
The credit model of grading marking and enterprise based on enterprise, calculates the accrediting amount of enterprise.
Internet electric business financial system based on block chain is automatically performed the foundation of credit model by intelligent contract.System
The screening of building enterprise and evaluation model filter out in supply chain according to data such as business transaction, the loans accumulated on block chain
The core enterprise playing an important role.Using core enterprise as starting point, its high-quality dealer for corresponding to downstream of further screening,
Target customer as loan financing service.Analysis model is designed based on the business data on block chain, credit risk is formed and comments
Estimate scorecard, grading marking is carried out to enterprise, evaluation index includes the affiliated industry of enterprise and area, Annual sales, sales growth
Rate, the loan profile of enterprise and collage-credit data etc..Final scoring Score are as follows:
Wherein, xiFor the marking of i-th of index of the enterprise, kiFor weight shared by i-th of index.
Using enterprise's credit model and enterprise's grading system, enterprise's accrediting amount is calculated.
Enterprise's accrediting amount=the enterprise purchases total value * (1+ growth rate) * adjustment factor K in the prior year of electric business platform
Electric business platform prior year buying total value is the various electric business platform channel payments such as procurement orders total value, advance payment payment
With.Growth rate is through enterprise procurement monthly average growth rate/annual average rate of increase.Adjustment factor K may include: customer evaluation coefficient
Score, industry coefficient, dull and rush season regulation coefficient etc..Wherein for enterprise can the amount of the loan carry out highest amount limitation, for example look forward to
Industry amount≤2,000,000.It is imbedded in credit model in intelligent contract code, realizes intelligence, the automatic processing of credit link.
Above-mentioned block catenary system supports to access more participants, including core enterprise, government organs, logistics platform,
Supervision department etc., to construct more complete supply chain view.By cooperating with core enterprise, limited acquisition core enterprise ERP
Order data；By cooperating with government department, business standing data, including business transaction, archive information, political affairs are obtained after authorized
Mansion subsidy etc.；By docking with material flow tracking platform, logistics data is obtained in time；It, can be according to interconnection by accessing supervision department
Net finance and regulator specification are managed financing situation, ensure that electric business financing business in internet develops in a healthy way in accordance with the law, prevent
Model systematicness financing risk.The block chain network shared by constructing multi-party participation, constantly pushes effective data to block chain,
So that entire business scenario view is more abundant and complete.Constantly accumulation is to gradually form the friendship that enterprise is believable, can not distort
Easily record, and then reflect the true credit standing of client.With the continuous expansion of block chain Alliance Network, each correlation of supply chain
Fang Jun is added in block chain, and the dimension of credit will be more sound, so that block chain network is thoroughly forged into a trust network.
Based on supply chain data abundant in internet electric business financing platform, company information is carried out using big data technology
It excavates, establishes intelligent valuation of enterprise credit model, while standard is shared with intelligent forms of contract agreement uniform data, and attempt
It will be imbedded in credit model in intelligent contract code, realize credit, examination & approval and the intelligence with links such as letters, automatic processing,
Sufficiently mitigate manual examination and verification burden, reduce system complexity, promotes business processing efficiency.
The internet electric business finance management system based on block chain of the application has been made on a full-range, pure line
, the integrated supply chain financial system that risk is controllable, the system sufficiently excavate and using electric business platform have by oneself historical data, building
Comprising procurement orders, batch credit, flexible pricing, automatically examine, payment of being commissioned, the complete functions such as self-aid reimbursement electric business financing
Service.System, will financing and payment seamless interfacing around client's electric business platform transaction scene；It is shared in many ways with the realization of block chain
Credit data accumulation breaks through traditional guarantee mode, quantifies customers' credit in the transaction record of platform according to client, reduction is supported and pledged
Constraint；The accrediting amount is calculated according to client in information such as platform transaction sizes, and the length of maturity is rationally calculated by the order time limit, pushed away
It recommends, and the algorithm is solidified in the form of intelligent contract, evaluation and credit process automation；Meanwhile loan fund takes closing
Management, pays reduction fund by peculation risk using being commissioned.
Referring to Fig. 3, for the internet electric business financing business process map provided in an embodiment of the present invention based on block chain, the industry
Process of being engaged in process three parts including process in the preceding process of loan, loan and after borrowing.
Wherein, process includes: screening core enterprise, recommends downstream trade company, pre- credit and grading, determines customer name before borrowing
List notifies client；
Process includes: to apply for signing, supplementary material first for loan customer in loan, then selects order and loan branch
The mode of paying carries out the confirmation such as the accrediting amount, interest rate to the client, then carries out contract signing, and automatic examination & approval loan is put automatically
Money, payment of being commissioned；
Process mainly includes the payment beforehand process of loan customer after loan.
Specific operation flow refers to above-mentioned specific descriptions, does not do and repeats one by one herein.
It realizes through the invention and the systems such as bank and electric business platform is forged into alliance's chain, pass through cash flow, logistics, letter
Breath flows into chain, realizes the supply chain data platform participated in many ways based on same service view, realizes that data permanently record, open
It is transparent and can not distort, solve multi-party trust problem.
It is sufficiently excavated based on data on chain and using information of supply chain, accumulates business standing.Historical trading data is mapped
Into block platform chain, at the same the data generated daily also enter chain registration, constantly accumulation with gradually form enterprise it is believable, can not
The transaction record distorted, and then reflect the true credit standing of client.With the continuous expansion of block chain Alliance Network, it is added
User's increases, and the dimension of credit will be more sound, so that block chain network is thoroughly forged into a trust network.
By system mass, automation carry out commercial circle screening, valuation of enterprise, enterprise's credit, significantly reduce manpower with
Time cost.Sufficiently excavation and transaction and management data using electric business platform, core enterprise's ERP order data, loan data,
The data such as logistics information, so that entire business scenario view is more abundant and complete.Arranged simultaneously with intelligent forms of contract unified
Data sharing standard, and attempt to imbed in credit model in intelligent contract code realizes credit, examination & approval and with the links such as believing
Intelligent, automatic processing sufficiently mitigates manual examination and verification burden, reduces system complexity, promotes business processing efficiency.
Business risk is effectively reduced in whole process on-line monitoring enterprise operation state and loan flow direction, fund closed management.
A kind of internet electric business finance management system based on block chain is additionally provided in another embodiment of the invention,
Referring to fig. 4, which includes:
First creating unit 10, for creating internet electric business financing alliance's chain of each bank and electric business platform, wherein
Business transaction data and credit data are stored in internet electric business financing alliance's chain；
Second creating unit 20, for creating enterprise according to the data stored in internet electric business financing alliance's chain
Credit model；
Processing unit 30, for based on the internet electric business financing alliance's chain in business transaction data and the enterprise
Credit model, financing processing carried out to enterprise, realizes the financing management to enterprise.
The present invention provides a kind of internet electric business finance management system based on block chain creates each within the system
The internet electric business of a bank and electric business platform financing alliance's chain, realizes the permanent note to business transaction data and credit data
The characteristic distorted is recorded and be not easy, solves the multi-party trust problem in supply chain financial scenario, and enterprise's credit based on creation
Model carries out financing management to enterprise, can be managed based on the true financial status of enterprise, reduce credit risk.
On the basis of the above embodiments, first creating unit includes:
Subelement is formed, is deployed as block chain node for mechanism will to be participated in, and the block chain node is formed and is interconnected
Net electric business financing alliance's chain, wherein the participation mechanism includes electric business platform and bank；
Subelement is distributed, for distributing for the participation mechanism described mutual based on to the authentication for participating in mechanism
The access interface of electric business of networking financing alliance's chain, so that the participation mechanism is based on the access interface and carries out data access；
Upload subelement, credit data and enterprise for providing the electric business platform and bank based on the access interface
Industry transaction data is uploaded to internet electric business financing alliance's chain.
On the basis of the above embodiments, the system further include:
Subelement is updated, for trading in response to enterprise in electric business platform, access is based on by the electric business platform
Current transaction data is uploaded to internet electric business financing alliance's chain by interface, is realized to the business transaction data more
Newly.
On the basis of the above embodiments, second creating unit is specifically used for:
Based on the data stored in internet electric business financing alliance's chain, the credit mould of enterprise is established using intelligent contract
Type.
On the basis of the above embodiments, the system further include:
First screening unit, for filtering out core according to the data stored in internet electric business financing alliance's chain
Enterprise, wherein the data of the storage include business transaction data and business loan data；
Second screening unit, for filtering out corresponding downstream distributor, the core enterprise, as loan financing service
Target customer.
On the basis of the above embodiments, the system further include:
Third creating unit, for creating evaluation model according to the business data in internet electric business alliance chain；
Marking unit, for carrying out grading marking to enterprise according to the evaluation model；
Computing unit calculates the accrediting amount of enterprise for the credit model of grading marking and enterprise based on enterprise.
On the basis of the above embodiments, the system further include:
Uploading unit, the loan payment for being selected in response to enterprise when electric business platform is traded, by the loan of enterprise
Money information is uploaded to internet electric business financing alliance's chain；
Monitoring unit, for monitoring the enterprise by intelligent contract corresponding with internet electric business financing alliance's chain
The refund state of industry, and carry out refund information update.
Each embodiment in this specification is described in a progressive manner, the highlights of each of the examples are with other
The difference of embodiment, the same or similar parts in each embodiment may refer to each other.For device disclosed in embodiment
For, since it is corresponded to the methods disclosed in the examples, so being described relatively simple, related place is said referring to method part
It is bright.
The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention.
Various modifications to these embodiments will be readily apparent to those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, of the invention
It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one
The widest scope of cause.
Claims (10)
1. a kind of internet electric business financing management method based on block chain, which is characterized in that this method comprises:
Create internet electric business financing alliance's chain of each bank and electric business platform, wherein internet electric business financing alliance
Business transaction data and credit data are stored in chain；
According to the data stored in internet electric business financing alliance's chain, the credit model of enterprise is created；
Based on the internet electric business financing alliance's chain in business transaction data and the enterprise credit model, to enterprise into
The processing of row financing, realizes the financing management to enterprise.
2. the method according to claim 1, wherein the internet electricity of each bank of the creation and electric business platform
Quotient's financing alliance's chain, comprising:
It will participate in mechanism and be deployed as block chain node, and the block chain node is formed into internet electric business financing alliance's chain,
In, the participation mechanism includes electric business platform and bank；
Based on to the authentication for participating in mechanism, internet electric business financing alliance's chain is distributed for the participation mechanism
Access interface, so that the participation mechanism is based on the access interface and carries out data access；
The credit data and business transaction data for being provided the electric business platform and bank based on the access interface, are uploaded to institute
State internet electric business financing alliance's chain.
3. according to the method described in claim 2, it is characterized in that, this method further include:
It trades in response to enterprise in electric business platform, being based on access interface by the electric business platform will be on current transaction data
Internet electric business financing alliance's chain is reached, realizes the update to the business transaction data.
4. the method according to claim 1, wherein described deposit according in internet electric business financing alliance's chain
The data of storage create the credit model of enterprise, comprising:
Based on the data stored in internet electric business financing alliance's chain, the credit model of enterprise is established using intelligent contract.
5. the method according to claim 1, wherein this method further include:
According to the data stored in internet electric business financing alliance's chain, core enterprise is filtered out, wherein the number of the storage
According to including business transaction data and business loan data；
Filter out corresponding downstream distributor, the core enterprise, the target customer as loan financing service.
6. according to the method described in claim 5, it is characterized in that, this method further include:
According to the business data in internet electric business alliance chain, evaluation model is created；
According to the evaluation model, grading marking is carried out to enterprise；
The credit model of grading marking and enterprise based on enterprise, calculates the accrediting amount of enterprise.
7. according to the method described in claim 6, it is characterized in that, this method further include:
In response to the loan payment that enterprise selects when electric business platform is traded, the credit information of enterprise is uploaded to described mutual
Electric business of networking financing alliance's chain；
By intelligent contract corresponding with internet electric business financing alliance's chain, the refund state of the enterprise is monitored, is gone forward side by side
Row refund information update.
8. a kind of internet electric business finance management system based on block chain, which is characterized in that the system includes:
First creating unit, for creating internet electric business financing alliance's chain of each bank and electric business platform, wherein described mutual
Business transaction data and credit data are stored in networking electric business financing alliance's chain；
Second creating unit, for creating the credit of enterprise according to the data stored in internet electric business financing alliance's chain
Model；
Processing unit, for the credit based on business transaction data and the enterprise in internet electric business financing alliance's chain
Model carries out financing processing to enterprise, realizes the financing management to enterprise.
9. system according to claim 8, which is characterized in that first creating unit includes:
Subelement is formed, is deployed as block chain node for mechanism will to be participated in, and block chain node composition internet is electric
Quotient's financing alliance's chain, wherein the participation mechanism includes electric business platform and bank；
Subelement is distributed, for distributing the internet for the participation mechanism based on to the authentication for participating in mechanism
The access interface of electric business financing alliance's chain, so that the participation mechanism is based on the access interface and carries out data access；
Subelement is uploaded, the credit data and enterprise for being provided the electric business platform and bank based on the access interface are handed over
Easy data are uploaded to internet electric business financing alliance's chain.
10. system according to claim 9, which is characterized in that the system further include:
Subelement is updated, for trading in response to enterprise in electric business platform, access interface is based on by the electric business platform
Current transaction data is uploaded to internet electric business financing alliance's chain, realizes the update to the business transaction data.
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