CN111127168B

CN111127168B - Block chain-based photovoltaic financing lease method, system and storage medium

Info

Publication number: CN111127168B
Application number: CN201911382427.1A
Authority: CN
Inventors: 李海群; 陆煜
Original assignee: State Grid Shanghai Electric Power Co Ltd
Current assignee: State Grid Shanghai Electric Power Co Ltd
Priority date: 2019-12-27
Filing date: 2019-12-27
Publication date: 2023-05-30
Anticipated expiration: 2039-12-27
Also published as: CN111127168A

Abstract

The invention relates to a block chain-based photovoltaic financing and renting method, a system and a storage medium, which belong to the technical field of block chains and solve the problem of photovoltaic financing and renting, wherein the method comprises the steps of constructing a data pool for issuing photovoltaic financial electronic data on the block chain, wherein the financial electronic data in the data pool comprises capital requirement data issued by a lessee in an uplink manner and financial product data issued by a lessee in an uplink manner; after carrying out transaction matching according to the photovoltaic financial electronic data, carrying out photovoltaic financing leasing by the lessee and the lessee; and carrying out uplink certification on electronic files including financing lease contracts, buying and selling contracts, invoices and payment certificates generated in the photovoltaic financing lease process, and carrying out regional distributed sharing. The invention utilizes the trusted memory certificate and the distributed sharing of the blockchain to carry out photovoltaic financing lease, thereby realizing the quick financing requirement of photovoltaic investors on photovoltaic equipment.

Description

Block chain-based photovoltaic financing lease method, system and storage medium

Technical Field

The invention relates to the technical field of blockchains, in particular to a blockchain-based photovoltaic financing lease method, a blockchain-based photovoltaic financing lease system and a storage medium.

Background

In the traditional financing and renting mode, the problems of small scale, poor credit level, few mortgage-capable assets and the like of small and medium enterprises lead to difficult financing and expensive financing of the small and medium enterprises, and become a major obstacle for development. After receiving the financing service application of the customer, the financing leasing company also needs to conduct due job credit investigation on the customer, and generally needs to consume a long time.

For online handling modes, the online handling modes are still in a starting stage and are not in scale, and the online conversion rate is low; the research and development design of the product and the internet thinking are not fused sufficiently, the effective perception and the quick response to the demands of customers are lacking, the online variety is less, the efficient service can not be provided for the financial business of the customers, and the unified external informatization carrier is lacking.

In photovoltaic construction, a power grid company bears abundant power customer resources and channel resources, and is oriented to hundreds of millions of downstream power customers and suppliers, and has various online and offline business, marketing and service channels. However, in the photovoltaic financing leasing, the grid company has limited cooperative sharing degree between the production and the fusion, the client information is not enough in cooperation, the coverage degree is not enough, the channel scene is not enough in embedding, and the capability of attracting clients is not strong.

Disclosure of Invention

In view of the above analysis, the present invention is directed to a blockchain-based photovoltaic financing rental method, system, and storage medium; and photovoltaic financing lease is carried out by utilizing the trusted memory certificate and the distributed sharing of the blockchain, so that the financing requirement of a photovoltaic investor on the photovoltaic equipment is realized.

The invention discloses a block chain-based photovoltaic financing lease method, which comprises the following steps:

constructing a data pool for issuing photovoltaic financial electronic data on a blockchain, wherein the financial electronic data in the data pool comprises funds demand data issued by a lessee in an uplink manner and financial product data issued by a lessee in an uplink manner;

after carrying out transaction matching according to the photovoltaic financial electronic data, carrying out photovoltaic financing leasing by the lessee and the lessee;

and carrying out uplink certification on electronic files including financing lease contracts, buying and selling contracts, invoices and payment certificates generated in the photovoltaic financing lease process, and carrying out regional distributed sharing.

Further, the photovoltaic financial electronic data in the data pool are submitted to a financing lease service platform of a blockchain; and the authorized third party organization performs auditing and then issues.

Further, the financing transaction is a direct peer-to-peer match of the lessee node and the lessee node distributed over the blockchain.

Further, the electronic file is stored in a local database or uploaded to a cloud, and a public key and a private key are adopted to carry out digital/electronic signature on the electronic file; carrying out hash encryption on the signed electronic file; packaging and storing key information of the electronic file and a hash value together on a chain; the electronic file itself and its hash value are anchored by block index for bidirectional retrieval on-link and off-link.

Further, the method for downloading and inquiring the electronic file through the block chain comprises the following steps:

1) After receiving a request for downloading and inquiring an electronic file, a client accessing a blockchain analyzes a subject, an object and operation semantics of the request, and establishes a corresponding mapping relation between user information initiating the request and electronic file data to be accessed;

2) The attribute management node on the blockchain generates an access request from the mapping relation and sends the access request to a policy decision node on the blockchain;

3) The policy decision node queries a policy management node on the blockchain for an access control policy set related to the requested electronic file data based on the access request, and performs access control decision;

4) The policy decision node sends the decision result back to the client;

5) The client performs authorized access operation on the electronic file data according to the judgment result, if the access request meets the access strategy, the authorization passes, and the electronic file hash value is obtained from the client chain; otherwise, if the authorization is not passed, the user is directly displayed that the authorization is illegal, and the electronic file cannot be acquired;

6) The client retrieves the electronic file link matched with the hash value on the chain according to the block index;

7) And the client responds to the downloading and inquiring operation of the electronic file according to the electronic file link.

Further, the lessee is a photovoltaic investor, and the lessor is a financing leasing company; and the photovoltaic investors and the financing leasing companies join in the alliance blockchain through the lessee client and the lessee client to carry out financing leasing of the construction of the distributed photovoltaic power station.

Further, ID information of the photovoltaic equipment purchased by financing lease generates a public and private key pair through a hash algorithm and is used for identifying identity uniqueness; and saving the obtained hash value in the blockchain distributed database.

Further, the blockchain also comprises an intelligent contract for automatically carrying out rent payment, financing repayment and fund settlement.

The invention also discloses a financing and renting system based on the blockchain, which is characterized by comprising the following steps: lessee client, lessor client, and financing lease alliance blockchain;

the lessee client requests to enter the block chain through the lessee client;

constructing a data pool for issuing financial electronic data on a blockchain, wherein the data pool comprises funds demand data issued by a lessee client in a uplink manner, and financial product data issued by a lessee client in a uplink manner;

after carrying out transaction matching according to the financial electronic data, carrying out photovoltaic financing and leasing by a lessee and a lessor through a lessee client;

The invention also discloses a computer readable storage medium having stored thereon a computer program which when executed by a processor realizes the steps of:

constructing a data pool for issuing financial electronic data on a blockchain, wherein the data pool comprises funds demand data issued by a lessee in an uplink manner and financial product data issued by a lessee in an uplink manner;

and carrying out uplink evidence-preserving on financing lease electronic files including financing lease contracts, buying and selling contracts, invoices and payment vouchers generated in the financing lease process, and carrying out regional distributed sharing.

The invention has at least one of the following beneficial effects:

(1) A alliance chain is created between the grid company, upstream and downstream suppliers, photovoltaic investors, equipment manufacturers and financial institutions by using blockchain technology, and is provided for all member enterprises on the platform to use. Blockchains are used as a distributed ledger technique, all transaction data is not uniformly maintained by a single centralized organization, but is commonly maintained and witnessed by all alliance chain members, and any party cannot control the data according to the benefit of the party, so that a natural trusted environment is created.

(2) All members of the alliance chain record and encrypt each business data and transaction information on the platform by using the blockchain technology, the information is multiparty and equal by using the blockchain technology, and financial institutions do not need to retrieve and verify data unidirectionally from third parties, so that unnecessary procedures are reduced, the financing difficulty and cost are reduced, and the financing efficiency is improved.

(3) The platform adopts full online operation, and full online processing is performed from the submission of financing application and financing matching to the signing of financing contract. Due to the non-tamper and traceability of the blockchain ledger, various trade background information, files and the like required by the uploaded financing are subjected to evidence storage and checking on the blockchain according to the requirements of a financial institution. Avoiding the transmission and operation checking time of a large amount of off-line paper files.

(4) The block chain supports real point-to-point communication through distributed nodes, and the trust of de-mediation is achieved. The platform can establish credit foundation and internal financing transaction environment among suppliers, photovoltaic enterprises and users which are related with larger business of the power grid enterprises, and realize win-win of other carriers such as core enterprises, suppliers, financial institutions and the like.

Drawings

The drawings are only for purposes of illustrating particular embodiments and are not to be construed as limiting the invention, like reference numerals being used to refer to like parts throughout the several views.

Fig. 1 is a flowchart of a photovoltaic financing lease method based on a blockchain in accordance with a first embodiment of the present invention.

Detailed Description

Preferred embodiments of the present invention are described in detail below with reference to the attached drawing figures, which form a part of the present application and, together with the embodiments of the present invention, serve to explain the principles of the invention.

Example 1

The embodiment discloses a block chain-based photovoltaic financing lease method, which comprises the following steps as shown in fig. 1:

step S1, a lessee and a lessor enter a resident blockchain through application;

the blockchain in this embodiment is a federation chain with a power grid company as a core, and a lessee (a photovoltaic investor or a photovoltaic owner), a lessee (a financing leasing company or a bank, etc.), an equipment manufacturer, an EPC company, etc. as main bodies, and the financing leasing service of the photovoltaic equipment is completed on the federation chain, and the financing data, transactions, and contracts generated in the financing process are up-chain stored.

The blockchain includes a financing rental service platform constructed at Hyperledger Fabric that is built and operated by the grid company, and client nodes that reside in the blockchain, including tenant clients, lessor clients, and equipment vendor clients.

Applying for entering into the block chain financing and renting service platform by a lessee or a lessor to a power grid company, and submitting electronic files proved by business license, credit investigation, operation, finance, asset liability list and the like to the financing and renting service platform through respective client nodes; wherein, the lessee also needs to submit photovoltaic project access application form to prove the financing requirement; and the power grid company performs credit verification on the financing and leasing service platform, if approval agrees that the lessee or lessor enters the platform on the resident blockchain, the participating subject file is archived, after CA center identity authentication, public and private keys are distributed, and the chain is provided with certificates of up-chain certificate-storing business licenses and the like of alliance member information (names, belonged roles, rights and the like). The alliance members can inquire the basic file information of other members after being authorized by the power grid company, and quickly learn the background of the financing transaction party.

S2, constructing a data pool for releasing photovoltaic financial electronic data;

the financial electronic data in the data pool comprises funds demand data issued by a lessee in an uplink manner and financial product data issued by a lessee in an uplink manner;

preferably, the photovoltaic financial electronic data in the data pool are submitted to a financing lease service platform of a blockchain; issuing after auditing by an authorized third party authority; the third party authority may be a third party authority authorized by the grid company or directly audited by the grid company.

For example: after submitting a photovoltaic project access application form to a power grid company, a photovoltaic investor serving as a lessee indicates that the funds are lack, financing requirements of leased photovoltaic equipment and components thereof are met, the equipment model, the number, the price and the like required by building a photovoltaic power station are determined, and the market price of the equipment, namely the required funds requirements, are estimated.

The photovoltaic investors apply for financing and renting business on the financing and renting service platform, and the financing and renting mode is selected, wherein the mode comprises direct renting and after-sale renting. Before financing application, the photovoltaic investor has selected the required financing mode (direct renting, after-sale renting), and when applying for direct financing, the photovoltaic supplier needs to fill in the 'fund requirement' on the financing lease service platform, which comprises the following fields:

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and the power grid company examines and approves the fund demand of the photovoltaic investor for purchasing the photovoltaic equipment on the financing and renting service platform.

After approval, the grid company issues the directly leased fund requirements in a data pool of the photovoltaic financial electronic data.

After the financing renting company as a renter passes the application of the financing renting service platform, the financing renting company applies for publishing financial products on the platform due to the fund supply requirement of renting equipment for obtaining the renting and interest rate benefits, and the financial products comprise the following fields.

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And after the financial products are checked and approved by the power grid company, the financial products are released in a data pool of the photovoltaic financial electronic data.

The data pool is integrated with the financial institutions issuing various financial products and the fund demands issued by enterprises with financing demands.

The photovoltaic investors select proper financial products in the data pool, and the financing and renting company selects proper direct renting fund requirements in the data pool.

Or after checking the details of financial products released by the financing and renting company in the platform data pool, filling in the fund demand, checking by the power grid company, and if the check passes, submitting the demand to the financing and renting company, and entering into intentional management of the collaboration, wherein the financial institution can select or reject the financing application.

S3, carrying out photovoltaic financing lease on the lessee and the lessor after carrying out transaction matching according to the photovoltaic financial electronic data;

the financing transaction is a direct peer-to-peer match of the lessee node and the lessee node distributed on the blockchain.

For the active financing of the photovoltaic investors, the platform can prioritize the financial products matched with the fund demands of the photovoltaic investors, perform preliminary matching and selectively apply for financing by the photovoltaic investors. At this point, the photovoltaic investor can select a desirable financing rental company from the top-ranked financial products to initiate a financing application.

During application, the financing lease standing application form is submitted to a financing lease company on line, and the application form is subjected to hash encryption and evidence storage. The financing leasing company designs a feasible leasing scheme according to the alliance member registration materials, the archived photovoltaic stand materials and the initiated fund requirements of clients stored in advance on the blockchain.

The financing and renting company spreads out the investigation of the due job, and considers the financing compliance, historical financing credit of lessees, the operation and financial situation of lessees, the endorsement degree of the power grid company on the financing and renting company, the repayment strength of lessees, the photovoltaic industry situation, the market price fluctuation of rentals, the financing income of both parties and other factors, and the final renting scheme is determined by carrying out multiple negotiations under the chain by both parties based on the financing and renting standing application form and the feasible renting scheme. The financing leasing company votes and agrees with the scheme to form an approval form of financing leasing standing, and the approval form takes effect after being electronically signed by a representative of the financing leasing company and simultaneously is used for uploading a certificate to form a certificate with legal efficacy.

The above process is direct lease, for the after-sale lease mode, the photovoltaic investor and financing lease company need to sign the photovoltaic financing lease contract (i.e. after signing the contract, the photovoltaic investor has the right to use the equipment but has no ownership), and also need to sign the photovoltaic equipment buy and sell contract on line, after the lease payment is finished, the photovoltaic investor has the right to use the equipment.

Both sides of the financing transaction sign a photovoltaic financing lease contract and a contract uplink certificate: based on a standard financing lease contract template, after information editing and online signing of electronic contracts of both financing transaction sides are completed, file contents are effectively solidified by using a PDF technology after signing is completed, and meanwhile, hash values of files are stored in signing parties on a chain and in a national authoritative electronic data judicial identification center by a blockchain technology, so that file tampering is effectively prevented. Once the information is verified and added to the blockchain, the information is permanently stored, the data in the block is irreversible, and the financing transaction data has extremely high stability, reliability and legal properties.

Equipment marketing is co-uplink: the financing leasing company and the equipment manufacturer can sign equipment purchase contracts according to the equipment model requirements of the photovoltaic investors. The contract file is signed and stored by adopting the technologies of electronic signature, time stamp, storage security and the like, so that the electronic contract is ensured to be untampered and not repudiated, the requirement of the electronic signature method of the people's republic of China on reliable electronic signature is met, and the legal effectiveness of the electronic contract is ensured.

Device inspection, identity chaining, and full lifecycle management: the photovoltaic power generation system consists of a solar cell matrix, a charge-discharge controller, an inverter, an alternating current power distribution cabinet, a solar tracking control system and the like.

Preferably, the ID information of the photovoltaic equipment is subjected to a hash algorithm to generate a public-private key pair for identifying identity uniqueness; and the obtained Hash value is stored in a block chain distributed database, so that the property cannot be forged.

And comparing the Hash after encrypting the device ID information acquired on site with the Hash value on the chain to finish tracing, checking and managing the device.

The ID information can be an RFID electronic tag or an electronic tag such as a two-dimensional code which can be used for identifying the identity of the photovoltaic equipment.

In this embodiment, the device purchase contract list and the device acceptance information associated with all financing contracts of the current enterprise may perform device acceptance or tracing. After the equipment is checked and accepted, a notification is sent to a financial institution corresponding to the financing contract to inform the equipment of checking and accepting progress and remind the financial institution of paying.

And S4, carrying out uplink certification on the electronic file which is generated in the photovoltaic financing and renting process and comprises financing and renting contracts, buying and selling contracts, invoices and payment certificates, and carrying out regional distributed sharing.

Specifically, the electronic file is stored in a local database or uploaded to a cloud, and a public key and a private key are adopted to carry out digital/electronic signature on the electronic file; carrying out hash encryption on the signed electronic file; packaging and storing key information of the electronic file and a hash value together on a chain; the electronic file itself and its hash value are anchored by block index for bidirectional retrieval on-link and off-link.

Specifically, the block index method includes: block number, block hash, transaction number, block number and transaction number, block transaction number and transaction verification code.

And when the verification is carried out on the uplink, eliminating personalized information and business confidentiality in the information of the electronic file, the information of the power generation data, the power selling data, the power purchasing data and the like of the photovoltaic enterprise, forming a value exchange area on the blockchain, reducing the authenticity of trade to the greatest extent, providing further verification materials for developing financing lease, and objectively and scientifically evaluating the risk of financing for a financial institution.

S5, each party participating in financing lease downloads and inquires the electronic file through a blockchain;

the method specifically comprises the following steps:

1) After receiving a request for downloading and inquiring an electronic file, a client accessing the blockchain analyzes a subject, an object and operation semantics of the request, and establishes a corresponding mapping relation between user information initiating the request and electronic file data to be accessed.

2) The attribute management node on the blockchain generates an access request from the mapping relation and sends the access request to a policy decision node in the blockchain network;

the attribute management node is used for managing entity attributes, including issuing, updating and canceling of the attributes, and providing data support for the reduced access policy.

The entity attributes comprise file attributes and access policy attributes; the file attributes include the size of the file, creation time, whether only read-write attributes are allowed, class attributes, etc. The access policy attributes include attributes of policy maker, creation time, revision time, whether read-only cannot be modified and deleted, etc.

3) The policy decision node inquires an access control policy set related to the requested electronic file data from the policy management node based on the access request and carries out access control decision;

the access control policy set describes, collects and integrates access control policies for the policy management node in combination with attribute information.

4) The policy decision node sends the decision result back to the client;

5) The client performs authorized access operation on the electronic file data according to the response result, if the access request meets the access strategy, the authorization passes, and the electronic file digital fingerprint is acquired from the client chain; otherwise, if the authorization is not passed, the user is directly displayed that the authorization is illegal, and the electronic file cannot be acquired;

7) And the client responds to the electronic file downloading or inquiring operation according to the electronic file link.

When the user logs in for the first time and passes the file access authorization, the user does not need to request authorization checking again later, and the file can be directly consulted or downloaded in the authorization history record, so that the effect of 'one-time authorization and multiple-time use' is achieved.

Preferably, the blockchain also comprises an intelligent contract for paying rentals, financing repayment and fund settlement. Triggering the intelligent contract according to the set conditions to pay rents, pay and repayment and settle funds.

The establishment of the intelligent contract comprises the following steps:

1) Generating a contract text of the intelligent contract by utilizing a format combination contract template which is agreed by all nodes on a blockchain;

the contract text is generated after agreement is reached on the charging rules of rent payment, financing repayment and fund settlement of each party;

the format combination about template which is agreed by all nodes on the blockchain can be downloaded from the financing lease service platform, and can not be tampered after the agreement of the contract template is up-linked, so that the private malicious addition and deletion of a single node is prevented.

2) Obtaining an intelligent contract code after programming and verification;

programming the contract text to generate an intelligent contract code;

the smart contract code is validated to verify the consistency of the smart contract code and the contract text.

Specifically, the intelligent contract code can be verified by adopting a formal verification method;

because intelligent contract is about the loopholes that the intelligent contract code and the contract text are inconsistent due to the fact that the compiling of the contract, the writing of the contract code is incorrect, the implementation environment is not properly realized or the logic of the contract code is defective in the process of constructing, storing and executing the contract, careful audit and security check of the uplink intelligent contract are necessary. The embodiment utilizes a formal verification method to carry out security audit on the intelligent contract code so as to ensure that the intelligent contract code and the settlement rule keep consistent in nature and execution force; based on the established formalized constraint, the relevant characteristics of the settlement contract are analyzed and verified to audit whether the settlement contract meets the expected safety attribute, if so, whether the problems of inconsistency, ambiguity, imperfection and the like exist.

The smart contract code verification may be performed on the virtual machine.

3) Distributing the smart contract code to each node;

specifically, the verified contract is distributed to each node by way of P2P.

4) Each node temporarily stores the received intelligent contract codes in a local memory, packages the intelligent contract codes temporarily stored in a set time period into a contract set, calculates a Hash value of the set, and assembles a block;

each block contains the following information: the Hash value of the current block, the Hash value of the previous block, the timestamp, the contract data, and the intelligent contract record data. The contracts are stored in the contract set so as to be conveniently and instantly called according to business requirements.

5) Each node spreads the blocks in local memory to other nodes of the full network.

6) And the nodes receiving the blocks compare and verify the locally stored Hash values.

Consensus is achieved through multi-round transmission and comparison, and the method is expanded to all sections of the whole network.

In summary, compared with the prior art, the present embodiment utilizes blockchain technology to create a alliance chain among grid companies, upstream and downstream suppliers, photovoltaic investors, equipment manufacturers and financial institutions for use by all member enterprises on the platform. Blockchains are used as a distributed ledger technique, all transaction data is not uniformly maintained by a single centralized organization, but is commonly maintained and witnessed by all alliance chain members, and any party cannot control the data according to the benefit of the party, so that a natural trusted environment is created. All members of the alliance chain record and encrypt each business data and transaction information on the platform by using the blockchain technology, the information is multiparty and equal by using the blockchain technology, and financial institutions do not need to retrieve and verify data unidirectionally from third parties, so that unnecessary procedures are reduced, the financing difficulty and cost are reduced, and the financing efficiency is improved. The platform adopts full online operation, and full online processing is performed from the submission of financing application and financing matching to the signing of financing contract. Due to the non-tamper and traceability of the blockchain ledger, various trade background information, files and the like required by the uploaded financing are subjected to evidence storage and checking on the blockchain according to the requirements of a financial institution. Avoiding the transmission and operation checking time of a large amount of off-line paper files. The block chain supports real point-to-point communication through distributed nodes, and the trust of de-mediation is achieved. The platform can establish credit foundation and internal financing transaction environment among suppliers, photovoltaic enterprises and users which are related with larger business of the power grid enterprises, and realize win-win of other carriers such as core enterprises, suppliers, financial institutions and the like.

Example two

The embodiment discloses a financing lease system based on block chain, comprising: lessee client, lessor client, and financing lease alliance blockchain;

the lessee client requests to enter the block chain through the lessee client;

Compared with the prior art, the beneficial effects of the present embodiment are substantially the same as those provided in the first embodiment, and are not described in detail herein.

Example III

The present embodiment discloses a computer readable storage medium having stored thereon a computer program which when executed by a processor realizes the steps of:

The present invention is not limited to the above-mentioned embodiments, and any changes or substitutions that can be easily understood by those skilled in the art within the technical scope of the present invention are intended to be included in the scope of the present invention.

Claims

1. A blockchain-based photovoltaic financing rental method, comprising:

carrying out uplink certification on electronic files including financing lease contracts, buying and selling contracts, invoices and payment certificates generated in the photovoltaic financing lease process, and carrying out regional distributed sharing;

the method for downloading and inquiring the electronic file through the block chain comprises the following steps:

4) The policy decision node sends the decision result back to the client;

2. The photovoltaic financing rental method of claim 1, wherein the photovoltaic financial electronic data in the data pool are all submitted to a financing rental service platform of a blockchain; and the authorized third party organization performs auditing and then issues.

3. The photovoltaic financing lease method of claim 1, wherein the financing transaction is matched directly point-to-point by a tenant node and a lessor node distributed on a blockchain.

4. The photovoltaic financing lease method of claim 1, characterized in that the electronic file is stored in a local database or uploaded to a cloud, and the electronic file is digitally/electronically signed by a public-private key; carrying out hash encryption on the signed electronic file; packaging and storing key information of the electronic file and a hash value together on a chain; the electronic file itself and its hash value are anchored by block index for bidirectional retrieval on-link and off-link.

5. The photovoltaic financing rental method of claim 1, wherein the lessee is a photovoltaic investor and the lessor is a financing rental company; and the photovoltaic investors and the financing leasing companies join in the alliance blockchain through the lessee client and the lessee client to carry out financing leasing of the construction of the distributed photovoltaic power station.

6. The photovoltaic financing lease method of claim 5, characterized in that the ID information of the photovoltaic equipment purchased by the financing lease generates a public-private key pair via a hash algorithm for identifying identity uniqueness; and saving the obtained hash value in the blockchain distributed database.

7. The photovoltaic financing rental method of claim 1, further comprising an intelligent contract on the blockchain for automatically making rental payments, financing repayment, and funds settlement.

8. A blockchain-based financing rental system, comprising: lessee client, lessor client, and financing lease alliance blockchain;

the lessee client requests to enter the block chain through the lessee client;

the method also comprises the steps of downloading and inquiring the electronic file through a block chain, and specifically comprises the following steps:

4) The policy decision node sends the decision result back to the client;

9. A computer readable storage medium having stored thereon a computer program, characterized in that the computer program when executed by a processor realizes the steps of:

carrying out uplink evidence-preserving on financing lease electronic files including financing lease contracts, buying and selling contracts, invoices and payment vouchers generated in the financing lease process, and carrying out regional distributed sharing;

4) The policy decision node sends the decision result back to the client;