CN110175908A - A kind of value-added tax on imports financing method and device - Google Patents
A kind of value-added tax on imports financing method and device Download PDFInfo
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- CN110175908A CN110175908A CN201910367896.XA CN201910367896A CN110175908A CN 110175908 A CN110175908 A CN 110175908A CN 201910367896 A CN201910367896 A CN 201910367896A CN 110175908 A CN110175908 A CN 110175908A
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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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The embodiment of the invention provides a kind of value-added tax on imports financing method and devices, the described method includes: value-added tax on imports, which deals with enterprise, pays notice to financial institution's initiation loan application according to the value-added tax on imports that customs sends on block chain, and by the customs and supply chain core enterprise to loan application progress Signature Confirmation；The value-added tax on imports deals with the supplier that enterprise is the supply chain core enterprise；Loan agreement is drafted according to the loan application by the financial institution, and the loan agreement is made to deal with enterprise and supply chain core enterprise Signature Confirmation through the financial institution, the mouth value-added tax to form the intelligent contract based on the loan agreement on the block chain；The financial institution makes loans to the customs according to the intelligent contract, so that the value-added tax on imports deals with enterprise and completes paying for value-added tax on imports.Through the embodiment of the present invention, it can be improved the efficiency and reliability of quotient's ticket financing.
Description
Technical field
The invention belongs to financial transaction technical field, it is specifically related to a kind of value-added tax on imports financing method, device, end
End equipment and computer-readable medium.
Background technique
Supply chain finance in value-added tax on imports financing, refer to raiser (generally import client, or for import look forward to
Industry) value-added tax that import is formed conditionally is transferred the possession of or pledged and gives special financier (generally financial institution), to obtain
The Financing Mode that must be provided a loan.The mode can make the enterprise in a manner of import obtain required fund, and then reinforce the turnover of fund.
Value-added tax on imports Financing Mode can should pay value-added tax tax using import as chattel mortgage with import to apply borrowing
Money is substantially a kind of credit Financing Mode, can be applied to any presence and deals in the enterprise of value-added tax on imports.However, its
There are following FAQs: on the one hand, for financial institution etc., smb message disclosure is insufficient, and information authenticity is not
It can guarantee, therefore there are certain default risks, for example fail to repay the loan.On the other hand, for (the supply of credit requirement side
Chain core enterprise, import client etc.) for, usual value-added tax on imports financing program is complicated, at high cost, low efficiency, thus shadow
Ring the production efficiency of enterprise.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of value-added tax on imports financing method, device, terminal device and computer
Readable medium can be improved the efficiency and reliability of value-added tax on imports financing.
The first aspect of the embodiment of the present invention provides a kind of value-added tax on imports financing method, comprising:
Value-added tax on imports deals with enterprise and pays notice to financial machine according to the value-added tax on imports that customs sends on block chain
Structure initiates loan application, and carries out Signature Confirmation to the loan application by the customs and supply chain core enterprise；It is described into
Mouth value-added tax deals with the supplier that enterprise is the supply chain core enterprise；
Loan agreement is drafted according to the loan application by the financial institution, and makes the loan agreement through the financial machine
Structure, the mouth value-added tax deal with enterprise and supply chain core enterprise Signature Confirmation to be formed on the block chain based on institute
State the intelligent contract of loan agreement；
The financial institution makes loans to the customs according to the intelligent contract, so that the value-added tax on imports is dealt with
Enterprise completes paying for value-added tax on imports.
The second aspect of the embodiment of the present invention provides a kind of value-added tax on imports financing device, comprising:
Apply module, for make value-added tax on imports deal with enterprise on block chain according to customs send value-added tax on imports pay
Notice is received to financial institution's initiation loan application, and the loan application is signed by the customs and supply chain core enterprise
Name confirmation；The value-added tax on imports deals with the supplier that enterprise is the supply chain core enterprise；
Contract module for making the financial institution draft loan agreement according to the loan application, and makes the loan
Contract deals with enterprise and supply chain core enterprise Signature Confirmation in the area through the financial institution, the mouth value-added tax
The intelligent contract based on the loan agreement is formed on block chain；
It makes loans module, for making the financial institution be made loans according to the intelligent contract the customs, so that institute
It states value-added tax on imports and deals with paying for enterprise's completion value-added tax on imports.
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
The step of realizing above-mentioned value-added tax on imports 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, the step of when computer program execution processed realizes above-mentioned value-added tax on imports financing method.
In value-added tax on imports financing method provided in an embodiment of the present invention, value-added tax on imports deals with enterprise can be on block chain
Notice is paid according to the value-added tax on imports that customs sends and initiates loan application to financial institution, and by the customs and supply chain core
Heart enterprise carries out Signature Confirmation to the loan application, and the financial institution can draft loan agreement according to the loan application,
And the loan agreement is made to deal with enterprise and supply chain core enterprise signature really through the financial institution, the mouth value-added tax
Recognize to form the intelligent contract based on the loan agreement on the block chain, the financial institution is according to the intelligent contract
It makes loans the customs, so that the value-added tax on imports deals with enterprise and completes paying for value-added tax on imports, so as to mention
The efficiency and reliability of high value-added tax on imports financing.
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 schematic diagram of value-added tax on imports financing method in the prior art；
Fig. 2 is a kind of flow chart of value-added tax on imports financing method provided in an embodiment of the present invention；
Fig. 3 is the flow chart of another value-added tax on imports financing method provided in an embodiment of the present invention；
Fig. 4 is a kind of structural schematic diagram of value-added tax on imports financing device provided in an embodiment of the present invention；
Fig. 5 is the refinement structural schematic diagram of the contract module in the value-added tax on imports financing that Fig. 4 is provided；
Fig. 6 is the structural schematic diagram of another value-added tax on imports financing device provided in an embodiment of the present invention；
Fig. 7 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 the schematic diagram of value-added tax on imports financing method in the prior art.As shown in Figure 1, existing skill
Value-added tax on imports financing method mainly includes these steps of A, B, C, D, E, F, G and H in art:
A. customs's transmission deals with value-added tax on imports and notifies to give supply chain core enterprise.
B. the value-added tax on imports notice (i.e. account payable notice) of dealing with is transmitted to import client by supply chain core enterprise.
C. import client initiates financing loan application to financial institution.
D. supply chain core enterprise sends notice of making loans to the financial institution.
E. financial institution carries out reference audit to the import client (or can be described as import enterprise), and after the approval
It offers loans to the import client.
F. value-added tax on imports (i.e. account payable) is dealt with to the supply chain core enterprise described in the import client payment.
G. supply chain core enterprise pays to the customs and described deals with value-added tax on imports.
H. import client refunds to financial institution.
It can be seen that, for financial institution etc., smb message discloses not in this traditional value-added tax on imports Financing Mode
Sufficiently, and information authenticity cannot be guaranteed, therefore there is certain default risk for failing to repay the loan.Furthermore for fund
For party in request (supply chain core enterprise, import client etc.), this value-added tax on imports finance program it is extremely complex, it is at high cost, effect
Rate is low, can largely effect on the production efficiency of enterprise.
Referring to Fig. 2, Fig. 2 is a kind of value-added tax on imports financing method provided in an embodiment of the present invention.As shown in Fig. 2, this
The value-added tax on imports financing method of embodiment the following steps are included:
S201: value-added tax on imports deals with enterprise and pays notice to gold according to the value-added tax on imports that customs sends on block chain
Melt mechanism and initiate loan application, and Signature Confirmation is carried out to the loan application by the customs and supply chain core enterprise.
In embodiments of the present invention, value-added tax on imports is dealt with enterprise (for example, import enterprise) and is reported to import
Guan Hou, customs can send receivable value-added tax on imports by block chain and notify to deal with enterprise to the value-added tax on imports, described receivable
Value-added tax on imports notice deals with enterprise, the supply chain core enterprise and the finance through the customs, the value-added tax on imports
After mechanism carries out Hash (Hash) Signature Confirmation, encryption is uploaded on the block chain.It is connected to after value-added tax on imports pays notice,
Value-added tax on imports, which deals with enterprise, to pay notice to financial institution's (example according to the value-added tax on imports that customs sends on block chain
Such as, bank) initiate loan application.The value-added tax on imports deals with the supplier that enterprise is the supply chain core enterprise, described
Loan application should carry out Hash Signature Confirmation by the customs and supply chain core enterprise.
S202: loan agreement is drafted according to the loan application by the financial institution, and makes described in the loan agreement warp
Financial institution, the mouth value-added tax deal with enterprise and supply chain core enterprise Signature Confirmation to be formed on the block chain
Intelligent contract based on the loan agreement.
In embodiments of the present invention, the financial institution can deal with enterprise to the value-added tax on imports by the block chain
Reference audit is carried out with the supply chain core enterprise, the import can will be obtained in the credit investigation system of People's Bank of China and is increased
Value tax deals with the reference report of enterprise and the supply chain core enterprise, and is uploaded on block chain and is audited.Audit passes through
Afterwards, the financial institution can draft loan agreement according to the loan application, and the loan agreement is uploaded the block chain
On, so that the loan agreement is dealt with enterprise and supply chain core enterprise label through the financial institution, the value-added tax on imports
Name confirmation on the block chain to form the intelligent contract based on the loan agreement.Intelligent contract can be by loan origination side
(for example, financial institution) title, loan application side (for example, the value-added tax on imports in the embodiment of the present invention deals with enterprise) name
Claim, loan examination & approval the amount of money, loan effective date (need to be after the contract award date), the loan repayment date (need to delivery date it
Before), interest rate, the respective claim for breaking an agreement condition of both sides, mortgage Description of Goods, mortgage quantity of goods, mortgage cargo unit price, mortgage goods
The information such as object total amount and procurement contract number are written in block chain in the form of digitized.Intelligent contract (Smart
It Contract) is a kind of computer protocol for being intended to propagate, verify or execute in a manner of information-based contract.Intelligent contract allows
Do not have to carry out credible transaction in third-party situation, these transaction are traceable and irreversible.
S203: the financial institution makes loans to the customs according to the intelligent contract, so that the import is rised in value
Tax deals with enterprise and completes paying for value-added tax on imports.
In embodiments of the present invention, financial institution mode can be transferred accounts by token (Token) according to the intelligent contract will
Loan makes loans and carries out Hash signature, and the customs collects money and carries out Hash signature, value-added tax on imports deal with enterprise (for example, into
Mouthful enterprise, or be import client) it carries out Hash signature and is transferred accounts with confirming, corresponding enterprise of endorsing is (for example, supply chain core is looked forward to
Industry) carry out Hash signature transferred accounts with confirming, above-mentioned transfer information and Hash signing messages are recorded in the block of block chain.
Token transfer accounts it is main include Transaction Information recipient, for confirm the signature of sender, account balance, the data to be sent,
Timestamp and commission numerical value (for example, STARTGAS and GASPRICE) etc..After customs's gathering, the intelligence contract is according to also
Money agreement is come into force automatically (when process, which executes, completes and meet the intelligent treaty content, by the automatic generation for starting intelligent contract
Code executes the step in intelligent contract), by the intelligent contract from lender (value-added tax on imports deals with enterprise) account
The amount of money of middle agreement is refunded in such a way that Token transfers accounts to the financial institution account, and the both sides that collect money carry out Hash signature with true
Money is acknowledged receipt of, and the gathering and Hash signature are recorded in the block of the block chain.Further, customs's gathering
Afterwards, relevant import, which can let pass, deals with enterprise to the value-added tax on imports, for example, import client.Import client can basis
Its supply agreement signed with provider core enterprise adds what the import or the import obtained after processed
Work cargo delivers the supply chain core enterprise, and the supply chain core enterprise can be played payment for goods by the block chain after receiving
Enter the import customer account, the import client after receiving the payment for goods, arrange certainly according to refunding by the intelligence contract
It is dynamic to come into force, from lender (the import client) account by the amount of money arranged in the intelligent contract in such a way that Token transfers accounts
It refunds to the financial institution account.
Below by taking Fig. 3 as an example, to the value-added tax on imports financing method provided in an embodiment of the present invention based on block chain do into
The introduction of one step.
S1. customs's notice value-added tax on imports deal with that enterprise (usually import client, or be import enterprise) generates into
Mouth value-added tax funds on account, the receivable value-added tax on imports notify the customs, the value-added tax on imports to deal with enterprise, the supply chain core
After heart enterprise and the financial institution carry out Hash (Hash) Signature Confirmation, encryption is uploaded on the block of the block chain, example
Such as, on block i (Block i).The value-added tax on imports deals with the supplier that enterprise is the supply chain core enterprise.
S2. the receivable enterprise of value-added tax on imports (for example, import client) is with value-added tax on imports to financial institution (for example, bank)
Financing loan application is initiated, the financing loan application carries out Hash signature really through the customs and the supply chain core enterprise
Recognize.The loan application for carrying out Hash Signature Confirmation through the customs and the supply chain core enterprise can be stored in the area
On the block j (Block j) of block chain.
S3. financial institution audits both sides' reference of the import client and the supply chain core enterprise, can will be from China
The reference report that the value-added tax on imports deals with enterprise and the supply chain core enterprise is obtained in the credit investigation system of the People's Bank,
And it is uploaded on block chain and is audited.After the approval, financial institution can draft loan agreement, carry out Hash signature, endorsement
And the loan agreement is uploaded on block k (Block k).The loan agreement is looked forward to through the financial institution, the import
Industry and supply chain core enterprise Signature Confirmation on the block chain to form the intelligent contract based on the loan agreement.
Intelligent contract can be by loan origination side (for example, financial institution) title, loan application side (for example, the institute in the embodiment of the present invention
State value-added tax on imports and deal with enterprise) title, the loan examination & approval amount of money, loan effective date (need to be after the contract award date), it borrows
Money refunds date (need to be before delivery date), interest rate, the respective claim for breaking an agreement condition of both sides, mortgage Description of Goods, mortgages cargo
Block chain is written in the information such as quantity, mortgage cargo unit price, mortgage cargo total amount and procurement contract number in the form of digitized
In, for example, on block k (Block k).
S4. loan is made loans by Token mode of transferring accounts and carries out Hash signature by financial institution, can be collected money by the customs
And Hash signature is carried out, while import client carries out Hash Signature Confirmation and transfers accounts, corresponding enterprise's (i.e. described supply chain core of endorsing
Enterprise) also carry out Hash Signature Confirmation transfer accounts, above-mentioned transfer information and Hash signing messages are recorded in the block of block chain, example
Such as, on block l (Block l).Token transfers accounts mainly comprising the recipient of Transaction Information, for confirming signature, the account of sender
Family remaining sum, the data to be sent, timestamp and commission numerical value (for example, STARTGAS and GASPRICE) etc..
S5. after customs's gathering, the intelligence contract is come into force automatically according to agreement of refunding (when process execution is completed and full
When the sufficient intelligent treaty content, automatic will start the code of intelligent contract, the step in the intelligent contract of execution), from lender
The amount of money arranged in the intelligent contract is refunded in such a way that Token transfers accounts to the financial machine in (the import client) account
Structure account, gathering both sides carry out Hash signature to confirm gathering, and the gathering and Hash signature are recorded in the block
In the block of chain, for example, on block m (Block m).Further, after customs's gathering, relevant import can let pass
To the import client.The supply agreement that import client can sign according to it with provider core enterprise, by the import
Or the import it is processed after obtained processing cargo deliver the supply chain core enterprise, the supply chain core enterprise
Payment for goods can be squeezed into the import customer account by the block chain after receiving, the import client receive the payment for goods it
Afterwards, the intelligent contract comes into force automatically according to agreement of refunding, and closes the intelligence from lender (the import client) account
The amount of money arranged in about is refunded in such a way that Token transfers accounts to the financial institution account.In addition, the Block 0 in Fig. 2 is initial
Block.
The value-added tax on imports financing method that Fig. 2 is provided, simplifies the process of traditional value-added tax on imports Financing Mode, will own
Related procedure is such as signed a contract, financial transaction is directly concentrated on block chain and is managed, and the automatic execution of intelligent contract
Etc. technologies accelerate Capital Flow.For financial institution, enterprise's value-added tax on imports reduces audit cost in recording on chain, right
Enterprise and its relevant enterprise are dealt in value-added tax on imports, improves loan efficiency, is conducive to the development of enterprise.Furthermore block chain
On All Activity carry out Hash Signature Confirmation through multi-party, and there is encryption technology to be managed, ensure that receivable import increment
The customs of tax and value-added tax on imports deal with the fund security and information security of enterprise, also reduce default risk, make financial institution
Loan it is safer reliable.
Referring to Fig. 4, Fig. 4 is a kind of structural block diagram of value-added tax on imports financing device provided in an embodiment of the present invention.Such as
Shown in Fig. 3, the value-added tax on imports financing device 40 of the present embodiment includes application module 401, contract module 402 and module of making loans
403, application module 401, contract module 402 and module 403 of making loans are respectively used to execute in S201, S202 and S203 in Fig. 2
Specific method, details can be found in the related introduction of Fig. 2, are only briefly described herein:
Apply for module 401, for making value-added tax on imports deal with the import increment that enterprise sends on block chain according to customs
Tax pays notice and initiates loan application to financial institution, and by the customs and supply chain core enterprise to the loan application into
Row Signature Confirmation；The value-added tax on imports deals with the supplier that enterprise is the supply chain core enterprise；
Contract module 402 for making the financial institution draft loan agreement according to the loan application, and makes the loan
Money contract deals with enterprise and supply chain core enterprise Signature Confirmation described through the financial institution, the mouth value-added tax
The intelligent contract based on the loan agreement is formed on block chain；
Module of making loans 403, for making the financial institution be made loans according to the intelligent contract the customs, so that
The value-added tax on imports deals with enterprise and completes paying for value-added tax on imports.
Further, reference can be made to Fig. 5, contract module 402 may particularly include reference unit 4021, draft unit 4022 and really
Recognize unit 4023:
Reference unit 4021, for making the financial institution deal with enterprise to the value-added tax on imports by the block chain
Reference audit is carried out with the supply chain core enterprise.
Unit 4022 is drafted, for making the financial institution draft loan according to the loan application after the approval described
Money contract.
Confirmation unit 4023 for making the financial institution that the loan agreement is uploaded the block chain, and makes institute
State loan agreement through the financial institution, the value-added tax on imports deal with enterprise and supply chain core enterprise Signature Confirmation with
The intelligent contract based on the loan agreement is formed on the block chain.
Referring to Fig. 6, Fig. 6 is the structural block diagram of another value-added tax on imports financing device provided in an embodiment of the present invention.
As shown in fig. 6, the present embodiment value-added tax on imports financing device 60 be Fig. 4 provide credit finance device 40 on the basis of into
Cross what optimization obtained, credit finances device 60 in addition to including application module 401, the contract module 402 in credit financing device 40
Except module 403 of making loans, notification module 601, signature blocks 602 and refund module 603 are still further comprised.Wherein:
Notification module 601 is notified for making the customs send receivable value-added tax on imports by the block chain to import
Value-added tax deals with enterprise, for example, the import client.
Signature blocks 602, for dealing with the receivable value-added tax on imports notice through the customs, the value-added tax on imports
After enterprise, the supply chain core enterprise and financial institution's Signature Confirmation, encryption uploads to the block chain.
Refund module 603, for being made loans according to the intelligent contract the customs in the financial institution, so that
The value-added tax on imports is dealt with after enterprise completes the paying of value-added tax on imports, and is rised in value by the intelligent contract from the import
Tax is dealt in the account of enterprise and the amount of money that the intelligent contract is arranged is refunded in such a way that Token transfers accounts to the financial institution
Account.
It should be pointed out that value-added tax on imports financing device 40 provided in an embodiment of the present invention or value-added tax on imports financing dress
Setting 60 may be disposed in the supply chain financial platform system based on the block chain.
The value-added tax on imports financing device that Fig. 6 is provided, simplifies the process of traditional value-added tax on imports Financing Mode, will own
Related procedure is such as signed a contract, financial transaction is directly concentrated on block chain and is managed, and the automatic execution of intelligent contract
Etc. technologies accelerate Capital Flow.For financial institution, enterprise's value-added tax on imports reduces audit cost in recording on chain, right
Enterprise and its relevant enterprise are dealt in value-added tax on imports, improves loan efficiency, is conducive to the development of enterprise.Furthermore block chain
On All Activity carry out Hash Signature Confirmation through multi-party, and there is encryption technology to be managed, ensure that receivable import increment
The customs of tax and value-added tax on imports deal with the fund security and information security of enterprise, also reduce default risk, make financial institution
Loan it is safer reliable.
Fig. 7 is the schematic diagram for the terminal device that one embodiment of the invention provides.As shown in fig. 7, the terminal of the embodiment is set
Standby 7 include: processor 70, memory 71 and are stored in the meter that can be run in the memory 71 and on the processor 70
Calculation machine program 72, such as carry out the program of credit financing.The processor 70 is realized above-mentioned when executing the computer program 72
Step in embodiment of the method, for example, S201 shown in Fig. 2 to S203.Alternatively, the processor 70 executes the computer journey
The function of each module/unit in above-mentioned each Installation practice, such as the function of module 401 to 403 shown in Fig. 4 are realized when sequence 72.
Illustratively, the computer program 72 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 71, and are executed by the processor 70, 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 72 in terminal device 7 is described.For example, the computer program 72 can be divided into
Apply for module 401, contract module 402 and module 403 of making loans.(module in virtual bench), each module concrete function are as follows:
Apply for module 401, for making value-added tax on imports deal with the import increment that enterprise sends on block chain according to customs
Tax pays notice and initiates loan application to financial institution, and by the customs and supply chain core enterprise to the loan application into
Row Signature Confirmation；The value-added tax on imports deals with the supplier that enterprise is the supply chain core enterprise；
Contract module 402 for making the financial institution draft loan agreement according to the loan application, and makes the loan
Money contract deals with enterprise and supply chain core enterprise Signature Confirmation described through the financial institution, the mouth value-added tax
The intelligent contract based on the loan agreement is formed on block chain；
Module of making loans 403, for making the financial institution be made loans according to the intelligent contract the customs, so that
The value-added tax on imports deals with enterprise and completes paying for value-added tax on imports.
The terminal device 7 can be the calculating such as desktop PC, notebook, palm PC and cloud server and set
It is standby.Terminal device 7 may include, but be not limited only to, processor 70, memory 71.It will be understood by those skilled in the art that Fig. 6 is only
It is only the example of terminal device 7, does not constitute the restriction to terminal device 7, 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 70 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 71 can be the internal storage unit of terminal device 7, such as the hard disk or memory of terminal device 7.
It is hard that the memory 71 is also possible to the plug-in type being equipped on the External memory equipment of terminal device 7, such as the terminal device 7
Disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card
(Flash Card) etc..Further, the memory 71 can also both including terminal device 7 internal storage unit and also including
External memory equipment.The memory 71 for other programs needed for storing the computer program and terminal device 7 and
Data.The memory 71 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 value-added tax on imports financing method characterized by comprising
Value-added tax on imports deals with enterprise and pays notice to financial institution's hair according to the value-added tax on imports that customs sends on block chain
Loan application is played, and Signature Confirmation is carried out to the loan application by the customs and supply chain core enterprise；The import increases
Value tax deals with the supplier that enterprise is the supply chain core enterprise；
Loan agreement is drafted according to the loan application by the financial institution, and make the loan agreement through the financial institution,
The mouth value-added tax deals with enterprise and supply chain core enterprise Signature Confirmation to be formed on the block chain based on described
The intelligent contract of loan agreement；
The financial institution makes loans to the customs according to the intelligent contract, so that the value-added tax on imports deals with enterprise
Complete paying for value-added tax on imports.
2. value-added tax on imports financing method according to claim 1, which is characterized in that the value-added tax on imports deals with enterprise
Notice is paid according to the value-added tax on imports that customs sends on block chain and initiates loan application to financial institution, and by the customs
With supply chain core enterprise to the loan application carry out Signature Confirmation before, further includes:
Customs sends receivable value-added tax on imports by the block chain and notifies to deal with enterprise to value-added tax on imports；
The receivable value-added tax on imports notice deals with enterprise through the customs, the value-added tax on imports, the supply chain core is looked forward to
After industry and financial institution's Signature Confirmation, encryption uploads to the block chain.
3. value-added tax on imports financing method according to claim 1, which is characterized in that the financial institution is according to the loan
Loan agreement is drafted in money application, and the loan agreement is made to deal with enterprise and institute through the financial institution, the value-added tax on imports
The Signature Confirmation of supply chain core enterprise is stated to form the intelligent contract based on the loan agreement on the block chain, comprising:
The financial institution by the block chain to the value-added tax on imports deal with enterprise and the supply chain core enterprise into
The audit of row reference；
Loan agreement is drafted according to the loan application after the approval described by the financial institution；
The financial institution uploads the loan agreement on the block chain, make the loan agreement through the financial institution,
The value-added tax on imports deals with enterprise and supply chain core enterprise Signature Confirmation to be formed on the block chain based on institute
State the intelligent contract of loan agreement.
4. value-added tax on imports financing method according to claim 1, which is characterized in that the financial institution is according to the intelligence
Energy contract makes loans to the customs, so that the value-added tax on imports deals with enterprise and completes paying for value-added tax on imports, comprising:
The financial institution makes loans to the customs by token Token mode of transferring accounts according to the intelligent contract；
The financial institution, customs, value-added tax on imports deal with enterprise and supply chain core enterprise and sign really to described make loans
Recognize, so that the value-added tax on imports deals with enterprise and completes paying for value-added tax on imports.
5. value-added tax on imports financing method according to any one of claims 1 to 4, which is characterized in that the finance machine
Structure makes loans to the customs according to the intelligent contract, so that the value-added tax on imports deals with enterprise and completes value-added tax on imports
Pay after, further includes:
The gold for being arranged the intelligent contract in the account of enterprise is dealt with from the value-added tax on imports by the intelligent contract
Volume is refunded in such a way that Token transfers accounts to the account of the financial institution.
The device 6. a kind of value-added tax on imports is financed characterized by comprising
Apply module, for make value-added tax on imports deal with enterprise on block chain according to customs send value-added tax on imports pay it is logical
Know and initiate loan application to financial institution, and the loan application sign really by the customs and supply chain core enterprise
Recognize；The value-added tax on imports deals with the supplier that enterprise is the supply chain core enterprise；
Contract module for making the financial institution draft loan agreement according to the loan application, and makes the loan agreement
Enterprise and supply chain core enterprise Signature Confirmation are dealt in the block chain through the financial institution, the mouth value-added tax
Upper intelligent contract of the formation based on the loan agreement；
Make loans module, for making the financial institution be made loans according to the intelligent contract the customs so that it is described into
Mouth value-added tax deals with enterprise and completes paying for value-added tax on imports.
The device 7. value-added tax on imports according to claim 6 is financed, which is characterized in that further include:
Notification module notifies to answer to value-added tax on imports for making the customs send receivable value-added tax on imports by the block chain
Pay enterprise；
Signature blocks, for making the receivable value-added tax on imports notice deal with enterprise, institute through the customs, the value-added tax on imports
After stating supply chain core enterprise and financial institution's Signature Confirmation, encryption uploads to the block chain.
The device 8. value-added tax on imports according to claim 6 is financed, which is characterized in that the contract module includes:
Reference unit, for making the financial institution deal with enterprise and the confession to the value-added tax on imports by the block chain
Chain core enterprise is answered to carry out reference audit；
Unit is drafted, for making the financial institution draft loan agreement according to the loan application after the approval described；
Confirmation unit for making the financial institution that the loan agreement is uploaded the block chain, and closes the loan
Enterprise and supply chain core enterprise Signature Confirmation are dealt in the area with through the financial institution, the value-added tax on imports
The intelligent contract based on the loan agreement is formed on block chain.
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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| CN201910367896.XA CN110175908A (en) | 2019-05-05 | 2019-05-05 | A kind of value-added tax on imports financing method and device |
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| CN201910367896.XA CN110175908A (en) | 2019-05-05 | 2019-05-05 | A kind of value-added tax on imports financing method and device |
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| CN201910367896.XA Pending CN110175908A (en) | 2019-05-05 | 2019-05-05 | A kind of value-added tax on imports financing method and device |
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| CN111125773A (en) * | 2019-12-31 | 2020-05-08 | 卓尔智联(武汉)研究院有限公司 | Method, device, equipment and medium for processing customs declaration information based on block chain |
| CN111127187A (en) * | 2019-12-13 | 2020-05-08 | 山东浪潮人工智能研究院有限公司 | Electronic contract order pledge loan method and equipment based on intelligent contracts |
| CN111144884A (en) * | 2019-12-16 | 2020-05-12 | 湖南大学 | Method and storage medium for import deposit and remittance under credit item based on block chain |
| CN111160906A (en) * | 2019-12-20 | 2020-05-15 | 湖南大学 | Method and storage medium for import deposit under remittance based on block chain |
| 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 |
| CN111199479A (en) * | 2019-12-27 | 2020-05-26 | 湖南大学 | Method and storage medium for import overseas payment based on block chain |
| CN112508565A (en) * | 2020-12-01 | 2021-03-16 | 浙商银行股份有限公司 | Guarantee financing method, system, equipment and storage medium based on block chain |
| CN113554510A (en) * | 2021-08-05 | 2021-10-26 | 百维金科(上海)信息科技有限公司 | Loan user default real-time monitoring system |
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| CN113554510A (en) * | 2021-08-05 | 2021-10-26 | 百维金科(上海)信息科技有限公司 | Loan user default real-time monitoring system |
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