CN110175907A - A kind of letter protects financing method and device - Google Patents
A kind of letter protects financing method and device Download PDFInfo
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- CN110175907A CN110175907A CN201910367894.0A CN201910367894A CN110175907A CN 110175907 A CN110175907 A CN 110175907A CN 201910367894 A CN201910367894 A CN 201910367894A CN 110175907 A CN110175907 A CN 110175907A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The embodiment of the invention provides a kind of letters to protect financing method and device, the described method includes: the export of goods entrustment agreement that supply chain core enterprise signs according to it with financing enterprise on block chain and the sales contract signed with overseas buyer, sign credit insurance contract with Chinese exports credit insurance company；Financing enterprise signs financing agreement based on credit insurance contract and financial institution on the block chain, receives the loan that financial institution provides, and sign refund entrustment agreement with supply chain core enterprise；Supply chain core enterprise receives the export goods that the financing enterprise is sent according to the export of goods entrustment agreement, the export goods is sent to overseas buyer, and the corresponding financing amount of money of financing agreement is refunded to financial institution by the block chain according to refund entrustment agreement after the payment for goods of the export goods of buyer's return in overseas.Through the embodiment of the present invention, medium-sized and small enterprises can be helped to carry out letter to protect financing and improve the reliability that letter protects financing.
Description
Technical field
The invention belongs to financial transaction technical fields, are specifically related to a kind of letter guarantor financing method, device, terminal device
And computer-readable medium.
Background technique
Currently, the export credit insurance guarantee in China is that the accounts receivable of exporter is collected equity, as long as therefore overseas
Buyer pays account due or export credit insurance company because overseas buyer promise breaking does not pay corresponding goods to exporter to exporter
Money and Claims Resolution made to exporter, responsibility of the export credit insurance under this traffic item terminates, if having at this time with exporter
The bank of loan relationship is unable to control the returned money path of exporter, once exporter breaks a contract, then bank can not obtain exporter's
It refunds or credit insurance is paid an indemnity.And in process of exchange, due to generating agreement in many ways, protocol contents is caused easily to be tampered, and
And it has no way of investigating, be easy to produce dispute and combine the problems such as deceiving in many ways.
Summary of the invention
In view of this, the embodiment of the present invention, which provides a kind of letter, protects financing method, device, terminal device and computer-readable Jie
Matter can help medium-sized and small enterprises to carry out letter and protect financing and improve the reliability that letter protects financing.
The first aspect of the embodiment of the present invention provides a kind of letter guarantor financing method, comprising:
Supply chain core enterprise goes out on block chain according to the cargo that financing enterprise is signed with the supply chain core enterprise
It is right based on the export of goods entrustment agreement institute that mouth entrustment agreement and the supply chain core enterprise sign with overseas buyer
The sales contract for the export goods answered signs credit insurance contract with Chinese exports credit insurance company, and the credit is protected
Dangerous contract is written on the block chain, by the supply chain core enterprise, financing enterprise and Chinese exports credit insurance company into
Row Signature Confirmation；
The financing enterprise signs financing agreement based on the credit insurance contract and financial institution on the block chain,
The loan that the financial institution provides is received, and signs refund entrustment agreement with the supply chain core enterprise；The financing association
The refund entrustment agreement of negotiating peace is stored on the block chain, is looked forward to by the financial institution, financing enterprise and supply chain core
Industry carries out Signature Confirmation；
The supply chain core enterprise receives described in the financing enterprise sends according to the export of goods entrustment agreement
The export goods is sent to the overseas buyer, and the export goods returned in the overseas buyer by export goods
Payment for goods after, according to the refund entrustment agreement by the block chain by the corresponding financing amount of money of the financing agreement refund to
The financial institution.
The second aspect of the embodiment of the present invention provides a kind of letter guarantor financing device, comprising:
Letter protects module, for looking forward to supply chain core enterprise on block chain according to financing enterprise and the supply chain core
The export of goods entrustment agreement and the supply chain core enterprise that industry is signed are gone out with what overseas buyer signed based on the cargo
The sales contract of export goods corresponding to mouth entrustment agreement signs credit insurance contract with Chinese exports credit insurance company,
And the credit insurance contract is written on the block chain, by the supply chain core enterprise, financing enterprise and Chinese exports
Credit insurance company carries out Signature Confirmation；
Loan module, for making the financing enterprise on the block chain based on the credit insurance contract and financial machine
Structure signs financing agreement, receives the loan that the financial institution provides, and sign commission of refunding with the supply chain core enterprise
Agreement；The financing agreement and the refund entrustment agreement are stored on the block chain, by the financial institution, financing enterprise
Signature Confirmation is carried out with supply chain core enterprise；
Refund module, for making the supply chain core enterprise receive the financing according to the export of goods entrustment agreement
The export goods is sent to the overseas buyer, and returned in the overseas buyer by the export goods that enterprise sends
The export goods payment for goods after, it is by the block chain that the financing agreement is corresponding according to the refund entrustment agreement
The financing amount of money is refunded to the financial institution.
The third method of the embodiment of the present invention provides a kind of terminal device, including memory, processor and is stored in
In the memory and the computer program that can run on the processor, when the processor executes the computer program
Realize the step of above-mentioned letter protects financing method.
The fourth aspect of the embodiment of the present invention provides a kind of computer-readable medium, the computer-readable medium storage
There is a computer program, when computer program execution processed realizes the step of above-mentioned letter protects financing method.
In advance payment financing method provided in an embodiment of the present invention, supply chain core enterprise is looked forward on block chain according to financing
The export of goods entrustment agreement and the supply chain core enterprise and overseas buyer that industry and the supply chain core enterprise sign
The sales contract based on export goods corresponding to the export of goods entrustment agreement signed, it is public with Chinese exports credit insurance
Department signs credit insurance contract, and the credit insurance contract is written on the block chain, by the supply chain core enterprise,
Financing enterprise and Chinese exports credit insurance company carry out Signature Confirmation, and financing enterprise is based on the credit on the block chain
Insurance contract and financial institution sign financing agreement, receive the loan that the financial institution provides, and with the supply chain core
Enterprise signs refund entrustment agreement, and supply chain core enterprise receives the financing enterprise according to the export of goods entrustment agreement and sends out
The export goods is sent to the overseas buyer by the export goods sent, and described in returning in the overseas buyer
It is by the block chain that the corresponding financing of the financing agreement is golden according to the refund entrustment agreement after the payment for goods of export goods
Volume is refunded to the financial institution, and so as to help medium-sized and small enterprises to carry out, letter protects financing and raising letter protects the reliable of financing
Property.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is the flow chart that a kind of letter provided in an embodiment of the present invention protects financing method；
Fig. 2 is the flow chart that another letter provided in an embodiment of the present invention protects financing method；
Fig. 3 is the structural schematic diagram that a kind of letter provided in an embodiment of the present invention protects financing device；
Fig. 4 is the refinement structural schematic diagram that the letter that Fig. 3 is provided protects module of providing a loan in financing device；
Fig. 5 is the structural schematic diagram that another letter provided in an embodiment of the present invention protects financing device；
Fig. 6 is the schematic diagram of terminal device provided in an embodiment of the present invention.
Specific embodiment
In being described below, for illustration and not for limitation, the tool of such as particular system structure, technology etc is proposed
Body details, to understand thoroughly the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention also may be implemented in the other embodiments of details.In other situations, it omits to well-known system, device, electricity
The detailed description of road and method, in case unnecessary details interferes description of the invention.
In order to illustrate technical solutions according to the invention, it is described below by the prior art and specific embodiment.
Referring to Fig. 1, Fig. 1 is that a kind of letter provided in an embodiment of the present invention protects financing method.As shown in Figure 1, the present embodiment
Letter protect financing method the following steps are included:
S101: the goods that supply chain core enterprise signs on block chain according to financing enterprise and the supply chain core enterprise
Object exports entrustment agreement and the supply chain core enterprise with overseas buyer signing based on the export of goods entrustment agreement
The sales contract of corresponding export goods signs credit insurance contract with Chinese exports credit insurance company, and by the letter
It is written on the block chain with insurance contract, it is public by the supply chain core enterprise, financing enterprise and Chinese exports credit insurance
Department carries out Signature Confirmation.
In embodiments of the present invention, financing enterprise (for example, exporter) can sign export of goods with supply chain core enterprise
Entrustment agreement and fund entrustment agreement, so that the supply chain core enterprise is on behalf of corresponding to export goods outlet entrustment agreement
The fund entrustment agreement and export of goods entrustment agreement can be also written block chain, be melted by described by export goods, financing enterprise
Provide enterprise and supply chain core enterprise Signature Confirmation；The fund entrustment agreement is for meeting the supply chain core enterprise
Receive the payment for goods and the profit during the trade of the export goods is returned to the financing enterprise that overseas buyer returns.It is described
After supply chain core enterprise and financing enterprise sign export of goods entrustment agreement, it can be signed with overseas buyer and be based on the exports
The sales contract of object, and the sales contract is written in the block chain.The supply chain core enterprise signs described in completion
After export of goods entrustment agreement and the sales contract, the export of goods entrustment agreement and sales contract, Xiang Zhong can be based on
Credit insurance is handled in the application of export credit insurance company, state.Chinese exports credit insurance company is according to the standing of the overseas buyer
It spends and determines limited credit, and then can determine the amount of accepting insurance to the export goods, the supply chain core enterprise is according to
Amount of accepting insurance and Chinese exports credit insurance company sign credit insurance contract, undertake the accounts receivable wind of the financing enterprise
Danger, and the credit insurance contract is written on the block chain, gone out by the supply chain core enterprise, financing enterprise and China
Message carries out Hash (Hash) Signature Confirmation with insurance company.
S102: the financing enterprise is signed based on the credit insurance contract and financial institution on the block chain and is financed
Contract receives the loan that the financial institution provides, and signs refund entrustment agreement with the supply chain core enterprise.
In embodiments of the present invention, the financing enterprise according to the credit insurance contract to financial institution (for example, silver
Row) loan application is initiated, and the block chain is written into the loan application, it is signed by the financing enterprise and financial institution
Name confirmation.The financial institution is based on the complete visible trade process on the block chain, for example, the export of goods is entrusted
Agreement, sales contract and the signing for exporting factoring contract, verify the authenticity of trade process, and are melting after the approval with described
It provides enterprise and signs financing agreement, so that the supply chain core enterprise transfers the reparation equity in the credit insurance contract
The financial institution.After financing agreement is signed, financing enterprise receives the loan that the financial institution provides, and financing enterprise can also be with
The supply chain core enterprise signs refund entrustment agreement, to entrust the supply chain core enterprise to pay receiving overseas buyer
The export goods payment for goods after, refund to financial institution.Furthermore financing enterprise can also by the financing agreement, also
The block chain is written in money entrustment agreement, bank loan voucher and financing enterprise paying voucher etc., by the financial institution, melts
It provides enterprise and supply chain core enterprise carries out Hash Signature Confirmation.
S103: the supply chain core enterprise receives what the financing enterprise was sent according to the export of goods entrustment agreement
The export goods is sent to the overseas buyer by the export goods, and in the outlet that the overseas buyer returns
After the payment for goods of cargo, according to the refund entrustment agreement by the block chain by the corresponding financing amount of money of the financing agreement also
Money is to the financial institution.
In embodiments of the present invention, financing enterprise, can be according to the cargo after the loan for receiving financial institution's granting
It exports entrustment agreement and produces corresponding export goods, the export goods of generation is issued into the supply chain core enterprise, supply chain
After core enterprise is connected to export goods, export goods can be issued to the overseas buyer.If the overseas buyer is according to described
Payment for goods is smoothly sent to supply chain core enterprise by sales contract, for example, playing payment for goods in such a way that token (Token) is transferred accounts
Enter the account of the supply chain core enterprise, then supply chain core enterprise can be according to the financing agreement and refund commission association
View is refunded the corresponding financing amount of money of the financing agreement to the financial institution by the block chain, for example, passing through Token
The mode of transferring accounts is refunded, so as to the feelings for avoiding financing enterprise (usually medium-sized and small enterprises) promise breaking from not refunding to financial institution
Condition occurs.Further, supply chain core enterprise refunds to after the financial institution, can also be entrusted according to the export of goods
Profit during trade is remitted the financing enterprise by agreement and the fund entrustment agreement, and will profit return record with
And profit gathering record write-in block chain, Hash Signature Confirmation is carried out by the financing enterprise and supply chain core enterprise.If
The overseas buyer promise breaking gives supply chain core enterprise without refunding, the financial institution can according to based on the financing agreement from
The reparation equity in the credit insurance contract that the supply chain core enterprise transfers the possession of, it is public to Chinese exports credit insurance
Department pursues a claim, thus the generation for the case where avoiding financial institution's receipts from not returning loan.Furthermore, it is necessary to, it is emphasized that the supply
Chain core enterprise can be in above steps in real time to the feelings such as financial institution's feedback be insured, shipment logistics and payment for goods receive
Condition, to help financial institution more efficiently to handle the items such as financing agreement and claim.
Below by taking Fig. 2 as an example, the advance payment financing method provided in an embodiment of the present invention based on block chain is done further
Introduction.
S1. commission outlet.Financing enterprise (for example, exporter in Fig. 2) can sign cargo with supply chain core enterprise and go out
Mouth entrustment agreement and fund entrustment agreement, so that the supply chain core enterprise is on behalf of corresponding to export goods outlet entrustment agreement
Export goods, can also block chain be written in the fund entrustment agreement and export of goods entrustment agreement by exporter, by exporter
With supply chain core enterprise Signature Confirmation；The fund entrustment agreement is overseas for receiving the supply chain core enterprise
The payment for goods and the profit during the trade of the export goods is returned to the financing enterprise that buyer returns.
S2. sales contract is signed.After supply chain core enterprise and exporter sign export of goods entrustment agreement, can with it is overseas
Buyer signs the sales contract based on the export goods, and the sales contract is written in the block chain, by abroad buying
Family and supply chain core enterprise carry out Hash Signature Confirmation.
S3. application is handled insurance.The supply chain core enterprise, which signs, completes the export of goods entrustment agreement and described
After sales contract, it can be based on the export of goods entrustment agreement and sales contract, (referred to as to Chinese exports credit insurance company
For middle letter guarantor) apply handling credit insurance.
S4. overseas buyer's amount is appraised and decided.Chinese exports credit insurance company determines according to the credit standing of the overseas buyer
Limited credit, and then can determine the amount of accepting insurance to the export goods.
S5. insurance contract is signed.The supply chain core enterprise accepts insurance amount and Chinese exports credit insurance according to
Company signs credit insurance contract, undertakes the risk of receivable account of the financing enterprise, and the credit insurance contract is written
On the block chain, Hash signature is carried out by the supply chain core enterprise, financing enterprise and Chinese exports credit insurance company
Confirmation.
S6. loan application.Exporter is according to the credit insurance contract to financial institution (for example, the commercial silver in Fig. 2
Row) loan application is initiated, and the block chain is written into the loan application, Hash signature is carried out by exporter and business bank
Confirmation.
S7. financing agreement, refund entrustment agreement are signed, is offered loans.Specifically, business bank is based in the block chain
Upper complete visible trade process, for example, the export of goods entrustment agreement, sales contract and the signing for exporting factoring contract,
The authenticity of trade process is verified, and is signing financing agreement with exporter after the approval, so that the supply chain core is looked forward to
Reparation equity in the credit insurance contract is transferred business bank by industry.After financing agreement is signed, exporter receives business
The loan that bank provides, exporter can also sign refund entrustment agreement with the supply chain core enterprise, to entrust the supply
Chain core enterprise refunds to business bank after the payment for goods for receiving the export goods that overseas buyer pays.Furthermore out
Can also institute be written in the financing agreement, refund entrustment agreement, bank loan voucher and financing enterprise paying voucher etc. by mouth quotient
Block chain is stated, Hash Signature Confirmation is carried out by business bank, financing enterprise and supply chain core enterprise.
S8. cargo goes out to transport.Exporter can entrust after the loan for receiving business bank's granting according to the export of goods
Agreement produces corresponding export goods, and the export goods of generation is issued the supply chain core enterprise, supply chain core enterprise
After being connected to export goods, export goods can be issued to overseas buyer.In addition, connecing issuance records and can be looked forward to by supply chain core here
Industry is fed back to business bank in real time, so that business bank better grasps the associated schedule of financing, and is carried out corresponding
Ground processing.
S9. pay on delivery is received.Specifically, if the overseas buyer fulfils the sales contract, supply chain core enterprise
Industry can receive the pay on delivery that overseas buyer transfers accounts.Payment for goods can be squeezed into the confession in such a way that Token transfers accounts by overseas buyer
Answer the account of chain core enterprise.
S10. bank loan is given back according to agreement.Specifically, supply chain core enterprise can be according to the financing agreement and institute
It states refund entrustment agreement and the corresponding financing amount of money of the financing agreement is refunded to the financial institution, example by the block chain
Such as, it is refunded by the Token mode of transferring accounts, so as to avoid exporting the case where promise breaking is not refunded appearance to business bank.
S11. profit is returned.Supply chain core enterprise refunds to after business bank, can also be entrusted according to the export of goods
It asks agreement and the fund entrustment agreement that the profit during trade is remitted exporter, and profit is returned record and is full of
Benefit gathering record is written in the block of the block chain, carries out Hash Signature Confirmation by exporter and supply chain core enterprise.
S12. it claims damages.It specifically, commercially can root if overseas buyer's promise breaking gives supply chain core enterprise without refunding
According to based on the financing agreement from the reparation equity in the credit insurance contract that the supply chain core enterprise transfers the possession of,
To Chinese exports credit insurance, company pursues a claim, thus the generation for the case where avoiding business bank's receipts from not returning loan.In addition, needing
It is emphasized that the supply chain core enterprise can insure to business bank's feedback in real time in above steps, go out cargo
Situations such as stream and payment for goods receive, to help business bank more efficiently to handle the items such as financing agreement and claim.
The advance payment financing method that Fig. 1 is provided is supplied by the way that supply chain core enterprise is added and is entrusted by financing enterprise
Chain core enterprise carries out credit and insures, and will be in credit insurance contract by the financing agreement that financial institution and financing enterprise are signed
Indemnity power-interest transfer to financial institution, medium-sized and small enterprises exporter (and financing enterprise) can be made smoothly efficiently to obtain bank and melted
Money, and can in overseas buyer payment after, bank loan is directly given back by supply chain core enterprise, and by residue profit remit
Exporter, thus in the case where can avoid the paid payment for goods of buyer (bank can not be paid an indemnity from Xin Bao company) in overseas, outlet
The risk that quotient's promise breaking is not refunded.The agreement of all generations, contract, which all can be written in block chain, for the embodiment of the present invention simultaneously goes forward side by side
Row Signature Confirmation, with prevent information distort and, and due to the trackability of the information on the block chain, the embodiment of the present invention
Also it can prevent multi-party contract from leading to divergence.
Referring to Fig. 3, Fig. 3 is the structural block diagram that a kind of letter provided in an embodiment of the present invention protects financing device.Such as Fig. 3 institute
Show, it includes that letter protects module 301, loan module 302 and refund module 303 that the letter of the present embodiment, which protects financing device 30, protects module
301, module 302 of providing a loan and refund module 303 are respectively used to execute the specific method in S101, S102 and S103 in Fig. 1, in detail
Feelings can be found in the related introduction of Fig. 1, only be briefly described herein:
Letter protect module 301, for make supply chain core enterprise on block chain according to financing enterprise (for example, exporter) with
The export of goods entrustment agreement and the supply chain core enterprise and overseas buyer that the supply chain core enterprise signs are signed
The sales contract based on export goods corresponding to the export of goods entrustment agreement, with Chinese exports credit insurance company sign
Credit insurance contract is ordered, and the credit insurance contract is written on the block chain, by the supply chain core enterprise, financing
Enterprise and Chinese exports credit insurance company carry out Signature Confirmation.
Loan module 302, for making the financing enterprise on the block chain based on the credit insurance contract and gold
Melt mechanism (for example, business bank) and sign financing agreement, receive the loan that the financial institution provides, and with the supply chain core
Heart enterprise signs refund entrustment agreement；The financing agreement and the refund entrustment agreement are stored on the block chain, by institute
It states financial institution, financing enterprise and supply chain core enterprise and carries out Signature Confirmation.
Refund module 303, for making the supply chain core enterprise according to export of goods entrustment agreement reception
The export goods that financing enterprise is sent, is sent to the overseas buyer for the export goods, and in the overseas buyer
After the payment for goods of the export goods returned, according to the refund entrustment agreement by the block chain by the financing agreement pair
The financing amount of money answered is refunded to the financial institution.
Further, as shown in figure 4, loan module 302 may particularly include loan application unit 3021, transfer the possession of unit 3022
With loan receiving unit 3023, in which:
Loan application unit 3021, for initiating the financing enterprise to financial institution according to the credit insurance contract
Loan application, and the block chain is written into the loan application, Signature Confirmation is carried out by the financing enterprise and financial institution；
Unit 3022 is transferred the possession of, for making the financial institution and the financing enterprise sign financing agreement, so that the confession
Answer chain core enterprise that the reparation equity in the credit insurance contract is transferred the financial institution；
It provides a loan receiving unit 3023, it is and described for making the financing enterprise receive the loan that the financial institution provides
Supply chain core enterprise sign refund entrustment agreement, and by the financing agreement, refund entrustment agreement, bank loan voucher and
The block chain is written in financing enterprise paying voucher, is carried out by the financial institution, financing enterprise and supply chain core enterprise
Hash Signature Confirmation.
Referring to Fig. 5, Fig. 5 is the structural block diagram that another letter provided in an embodiment of the present invention protects financing device.Such as Fig. 5 institute
Show, the present embodiment letter protect financing device 50 be Fig. 3 provide letter protect financing device 30 on the basis of into cross optimize obtain,
Letter protects financing device 50 in addition to including believing that the letter protected in financing device 30 protects module 301, loan module 302 and refund module 303
Except, still further comprise commission module 501, trade module 502 and claims module 503.Wherein:
Module 501 is entrusted, for making financing enterprise and supply chain core enterprise sign export of goods entrustment agreement and fund
Entrustment agreement, and block chain is written into the fund entrustment agreement and export of goods entrustment agreement, by the financing enterprise and institute
State the Signature Confirmation of supply chain core enterprise；The fund entrustment agreement is for making the supply chain core enterprise receive overseas buyer
The payment for goods of return and the profit during the trade of the export goods is returned to the financing enterprise.
Trade module 502, for making the supply chain core enterprise with overseas buyer signing based on the export of goods
The sales contract of export goods corresponding to entrustment agreement, and the block chain is written into the sales contract.
Claims module 503 entrusts the supply chain core enterprise for receiving the financing enterprise in the overseas buyer
The export goods sent out when not paying the bill according to the sales contract but, makes the financial institution according to being based on the financing
Agreement is from the reparation equity in the credit insurance contract that the supply chain core enterprise transfers the possession of, to Chinese exports credit
Insurance company pursues a claim.
The further introduction in relation to function or processing mode about commission module 501 and trade module 502 can be found in
The description as described in S101 in Fig. 1；The further introduction in relation to function or processing mode about claims module 503 can be found in figure
The description as described in S103 in 1, therefore details are not described herein.
It should be pointed out that letter provided in an embodiment of the present invention protects financing device 30 or letter is protected financing device 50 and be may be disposed at
In supply chain financial platform system based on the block chain.
The advance payment financing device that Fig. 5 is provided, is supplied by the way that supply chain core enterprise is added and passes through financing enterprise to entrust
Chain core enterprise carries out credit and insures, and will be in credit insurance contract by the financing agreement that financial institution and financing enterprise are signed
Indemnity power-interest transfer to financial institution, medium-sized and small enterprises exporter (and financing enterprise) can be made smoothly efficiently to obtain bank and melted
Money, and can in overseas buyer payment after, bank loan is directly given back by supply chain core enterprise, and by residue profit remit
Exporter, thus in the case where can avoid the paid payment for goods of buyer (bank can not be paid an indemnity from Xin Bao company) in overseas, outlet
The risk that quotient's promise breaking is not refunded.The agreement of all generations, contract, which all can be written in block chain, for the embodiment of the present invention simultaneously goes forward side by side
Row Signature Confirmation, with prevent information distort and, and due to the trackability of the information on the block chain, the embodiment of the present invention
Also it can prevent multi-party contract from leading to divergence.
Fig. 6 is the schematic diagram for the terminal device that one embodiment of the invention provides.As shown in fig. 6, the terminal of the embodiment is set
Standby 6 include: processor 60, memory 61 and are stored in the meter that can be run in the memory 61 and on the processor 60
Calculation machine program 62, such as carry out the program of credit financing.The processor 60 is realized above-mentioned when executing the computer program 62
Step in embodiment of the method, for example, S101 shown in FIG. 1 to S103.Alternatively, the processor 60 executes the computer journey
The function of each module/unit in above-mentioned each Installation practice, such as the function of module 301 to 303 shown in Fig. 3 are realized when sequence 62.
Illustratively, the computer program 62 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 61, and are executed by the processor 60, to complete the present invention.Described one
A or multiple module/units can be the series of computation machine program instruction section that can complete specific function, which is used for
Implementation procedure of the computer program 62 in terminal device 6 is described.For example, the computer program 62 can be divided into
Letter protects module 301, loan module 302 and refund module 303.(module in virtual bench), each module concrete function are as follows:
Letter protect module 301, for make supply chain core enterprise on block chain according to financing enterprise (for example, exporter) with
The export of goods entrustment agreement and the supply chain core enterprise and overseas buyer that the supply chain core enterprise signs are signed
The sales contract based on export goods corresponding to the export of goods entrustment agreement, with Chinese exports credit insurance company sign
Credit insurance contract is ordered, and the credit insurance contract is written on the block chain, by the supply chain core enterprise, financing
Enterprise and Chinese exports credit insurance company carry out Signature Confirmation.
Loan module 302, for making the financing enterprise on the block chain based on the credit insurance contract and gold
Melt mechanism (for example, business bank) and sign financing agreement, receive the loan that the financial institution provides, and with the supply chain core
Heart enterprise signs refund entrustment agreement；The financing agreement and the refund entrustment agreement are stored on the block chain, by institute
It states financial institution, financing enterprise and supply chain core enterprise and carries out Signature Confirmation.
Refund module 303, for making the supply chain core enterprise according to export of goods entrustment agreement reception
The export goods that financing enterprise is sent, is sent to the overseas buyer for the export goods, and in the overseas buyer
After the payment for goods of the export goods returned, according to the refund entrustment agreement by the block chain by the financing agreement pair
The financing amount of money answered is refunded to the financial institution.
The terminal device 6 can be the calculating such as desktop PC, notebook, palm PC and cloud server and set
It is standby.Terminal device 6 may include, but be not limited only to, processor 60, memory 61.It will be understood by those skilled in the art that Fig. 6 is only
It is only the example of terminal device 6, does not constitute the restriction to terminal device 6, may include components more more or fewer than diagram,
Perhaps certain components or different components are combined, such as the terminal device can also connect including input-output equipment, network
Enter equipment, bus etc..
The processor 60 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, 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 memory 61 can be the internal storage unit of terminal device 6, such as the hard disk or memory of terminal device 6.
It is hard that the memory 61 is also possible to the plug-in type being equipped on the External memory equipment of terminal device 6, such as the terminal device 6
Disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card
(Flash Card) etc..Further, the memory 61 can also both including terminal device 6 internal storage unit and also including
External memory equipment.The memory 61 for other programs needed for storing the computer program and terminal device 6 and
Data.The memory 61 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional unit in embodiment, module can integrate in one processing unit, can also
To be that each unit physically exists alone, can also be integrated in one unit with two or more units, it is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.In addition, each function list
Member, the specific name of module are also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Above system
The specific work process of middle unit, module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed device/terminal device and method, it can be with
It realizes by another way.For example, device described above/terminal device embodiment is only schematical, for example, institute
The division of module or unit is stated, only a kind of logical function partition, there may be another division manner in actual implementation, such as
Multiple units or components can be combined or can be integrated into another system, or some features can be ignored or not executed.Separately
A bit, shown or discussed mutual coupling or direct-coupling or communication connection can be through some interfaces, device
Or the INDIRECT COUPLING or communication connection of unit, it 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.
If the integrated module/unit be realized in the form of SFU software functional unit and as independent product sale or
In use, can store in a computer readable storage medium.Based on this understanding, the present invention realizes above-mentioned implementation
All or part of the process in example method, can also instruct relevant hardware to complete, the meter by computer program
Calculation machine program can be stored in a computer readable storage medium, the computer program when being executed by processor, it can be achieved that on
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium
It may include: any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic that can carry the computer program code
Dish, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM,
Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that described
The content that computer-readable medium includes can carry out increasing appropriate according to the requirement made laws in jurisdiction with patent practice
Subtract, such as does not include electric carrier signal and electricity according to legislation and patent practice, computer-readable medium in certain jurisdictions
Believe signal.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, 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 should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of letter protects financing method characterized by comprising
Supply chain core enterprise entrusts on block chain according to the export of goods that financing enterprise and the supply chain core enterprise sign
Ask agreement and the supply chain core enterprise with overseas buyer signing based on corresponding to the export of goods entrustment agreement
The sales contract of export goods signs credit insurance contract with Chinese exports credit insurance company, and the credit insurance is closed
With being written on the block chain, signed by the supply chain core enterprise, financing enterprise and Chinese exports credit insurance company
Name confirmation；
The financing enterprise signs financing agreement based on the credit insurance contract and financial institution on the block chain, receives
The loan that the financial institution provides, and refund entrustment agreement is signed with the supply chain core enterprise；The financing agreement and
The refund entrustment agreement is stored on the block chain, by the financial institution, financing enterprise and supply chain core enterprise into
Row Signature Confirmation；
The supply chain core enterprise receives the outlet that the financing enterprise is sent according to the export of goods entrustment agreement
The export goods is sent to the overseas buyer, and the goods of the export goods returned in the overseas buyer by cargo
After money, the corresponding financing amount of money of the financing agreement is refunded to described by the block chain according to the refund entrustment agreement
Financial institution.
2. letter according to claim 1 protects financing method, which is characterized in that the supply chain core enterprise is on block chain
The export of goods entrustment agreement signed according to financing enterprise and the supply chain core enterprise and the supply chain core enterprise
The sales contract based on export goods corresponding to the export of goods entrustment agreement signed with overseas buyer, with Chinese exports
Credit insurance company signs credit insurance contract, and the credit insurance contract is written on the block chain, by the supply
Chain core enterprise, financing enterprise and Chinese exports credit insurance company carry out before Signature Confirmation, further includes:
Financing enterprise and supply chain core enterprise sign export of goods entrustment agreement and fund entrustment agreement, and the fund is entrusted
It asks agreement and export of goods entrustment agreement that block chain is written, is signed by the financing enterprise and the supply chain core enterprise true
Recognize；The fund entrustment agreement is used to that the supply chain core enterprise to be made to receive the payment for goods and go out by described in that overseas buyer returns
Profit during the trade of mouth cargo is returned to the financing enterprise；
The supply chain core enterprise is with overseas buyer signing based on exports corresponding to the export of goods entrustment agreement
The sales contract of object, and the block chain is written into the sales contract.
3. letter according to claim 1 protects financing method, which is characterized in that the supply chain core enterprise is on block chain
The export of goods entrustment agreement signed according to financing enterprise and the supply chain core enterprise and the supply chain core enterprise
The sales contract based on export goods corresponding to the export of goods entrustment agreement signed with overseas buyer, with Chinese exports
Credit insurance company signs credit insurance contract, and the credit insurance contract is written on the block chain, by the supply
Chain core enterprise, financing enterprise and Chinese exports credit insurance company carry out Signature Confirmation, comprising:
Supply chain core enterprise on block chain according to the export of goods entrustment agreement and the sales contract, to Chinese exports
Credit insurance is handled in the application of credit insurance company；
Chinese exports credit insurance company determines the amount of accepting insurance of the export goods according to the credit standing of the overseas buyer；
Accept insurance according to amount and Chinese exports credit insurance company, the supply chain core enterprise signs credit insurance contract,
And the credit insurance contract is written on the block chain, by the supply chain core enterprise, financing enterprise and Chinese exports
Credit insurance company carries out Hash Hash Signature Confirmation.
4. letter according to claim 1 protects financing method, which is characterized in that financing enterprise base on the block chain
Sign financing agreement in the credit insurance contract and financial institution, receive the loan that the financial institution provides, and with it is described
Supply chain core enterprise signs refund entrustment agreement, comprising:
The financing enterprise initiates loan application to financial institution according to the credit insurance contract, and the loan application is write
Enter the block chain, Signature Confirmation is carried out by the financing enterprise and financial institution；
The financial institution and the financing enterprise sign financing agreement, so that the credit is protected by the supply chain core enterprise
Reparation equity in dangerous contract transfers the financial institution；
The financing enterprise receives the loan that the financial institution provides, and the commission association that refunds is signed with the supply chain core enterprise
View, and the block is written into the financing agreement, refund entrustment agreement, bank loan voucher and financing enterprise paying voucher
Chain carries out Hash Signature Confirmation by the financial institution, financing enterprise and supply chain core enterprise.
5. letter according to claim 1 protects financing method, which is characterized in that if overseas buyer's promise breaking is not paid the bill, institute
It states letter and protects financing method further include:
The financial institution is protected according to the credit transferred the possession of based on the financing agreement from the supply chain core enterprise
Reparation equity in dangerous contract, to Chinese exports credit insurance, company pursues a claim.
6. a kind of letter protects financing device characterized by comprising
Letter protects module, for signing supply chain core enterprise on block chain according to financing enterprise and the supply chain core enterprise
What the export of goods entrustment agreement ordered and the supply chain core enterprise and overseas buyer signed is entrusted based on the export of goods
The sales contract for holding in the palm export goods corresponding to agreement signs credit insurance contract with Chinese exports credit insurance company, and will
The credit insurance contract is written on the block chain, by the supply chain core enterprise, financing enterprise and Chinese exports credit
Insurance company carries out Signature Confirmation；
Loan module, for signing the financing enterprise on the block chain based on the credit insurance contract and financial institution
Financing agreement is ordered, receives the loan that the financial institution provides, and sign refund entrustment agreement with the supply chain core enterprise；
The financing agreement and the refund entrustment agreement are stored on the block chain, by the financial institution, financing enterprise and confession
Chain core enterprise is answered to carry out Signature Confirmation；
Refund module, for making the supply chain core enterprise receive the financing enterprise according to the export of goods entrustment agreement
The export goods is sent to the overseas buyer, and the institute returned in the overseas buyer by the export goods sent
After the payment for goods for stating export goods, according to the refund entrustment agreement by the block chain by the corresponding financing of the financing agreement
The amount of money is refunded to the financial institution.
7. letter according to claim 6 protects financing device, which is characterized in that further include:
Module is entrusted, financing enterprise and supply chain core enterprise sign export of goods entrustment agreement and fund commission is assisted for making
View, and block chain is written into the fund entrustment agreement and export of goods entrustment agreement, by the financing enterprise and the supply
The Signature Confirmation of chain core enterprise；The fund entrustment agreement is used to that the supply chain core enterprise to be made to receive what overseas buyer returned
Payment for goods and the profit during the trade of the export goods is returned to the financing enterprise；
Trade module, for making the supply chain core enterprise with overseas buyer signing based on the export of goods entrustment agreement
The sales contract of corresponding export goods, and the block chain is written into the sales contract.
8. letter according to claim 6 protects financing device, which is characterized in that the loan module includes:
Loan application unit, for making the financing enterprise initiate loan Shen to financial institution according to the credit insurance contract
Please, and by the loan application block chain is written, Signature Confirmation is carried out by the financing enterprise and financial institution；
Unit is transferred the possession of, for making the financial institution and the financing enterprise sign financing agreement, so that the supply chain core
Reparation equity in the credit insurance contract is transferred the financial institution by enterprise；
Loan receiving unit, for making the financing enterprise receive the loan that the financial institution provides, with the supply chain core
Heart enterprise signs refund entrustment agreement, and by the financing agreement, refund entrustment agreement, bank loan voucher and financing enterprise
The block chain is written in paying voucher, and it is true to carry out Hash signature by the financial institution, financing enterprise and supply chain core enterprise
Recognize.
9. a kind of terminal device, including memory, processor and storage are in the memory and can be on the processor
The computer program of operation, which is characterized in that the processor is realized when executing the computer program as in claim 1-5
The step of any one the method.
10. a kind of computer-readable medium, the computer-readable medium storage has computer program, which is characterized in that described
It is realized when computer program execution processed such as the step of any one of claim 1-5 the method.
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|---|---|---|---|
| CN201910367894.0A CN110175907A (en) | 2019-05-05 | 2019-05-05 | A kind of letter protects financing method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910367894.0A CN110175907A (en) | 2019-05-05 | 2019-05-05 | A kind of letter protects financing method and device |
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| CN110175907A true CN110175907A (en) | 2019-08-27 |
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| CN201910367894.0A Pending CN110175907A (en) | 2019-05-05 | 2019-05-05 | A kind of letter protects financing method and device |
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| CN111160903A (en) * | 2019-12-13 | 2020-05-15 | 湖南大学 | Method and storage medium for export collection and deposit based on block chain |
| CN111161087A (en) * | 2019-12-24 | 2020-05-15 | 湖南大学 | Method and storage medium for international warranty based on block chain |
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| CN111161046A (en) * | 2019-12-20 | 2020-05-15 | 湖南大学 | Method and storage medium for performing export invoice presentment based on block chain |
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| CN111383103A (en) * | 2020-03-27 | 2020-07-07 | 中国建设银行股份有限公司 | User financing method and device |
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| CN111222996A (en) * | 2019-12-31 | 2020-06-02 | 湖南大学 | Method and storage medium for financing trade insurance based on block chain |
| CN111210342B (en) * | 2020-01-15 | 2023-09-22 | 湖南大学 | Method and storage medium for exporting buying credit based on blockchain |
| CN111210342A (en) * | 2020-01-15 | 2020-05-29 | 湖南大学 | Method and storage medium for exporting credit of buyer based on block chain |
| CN111383103A (en) * | 2020-03-27 | 2020-07-07 | 中国建设银行股份有限公司 | User financing method and device |
| CN113674089A (en) * | 2021-08-23 | 2021-11-19 | 湖南大学 | Manufacturer guarantee financing method, system, equipment and storage medium for prepayment products based on block chain |
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