CN111127168B - Blockchain-based photovoltaic financing lease method, system and storage medium - Google Patents

Abstract

The present invention relates to a photovoltaic financing lease method, system and storage medium based on block chain, which belongs to the field of block chain technology and solves the problem of photovoltaic financing lease. The method includes constructing data for publishing photovoltaic financial electronic data on the block chain pool, the financial electronic data in the data pool includes the capital demand data released by the lessee on the chain and the financial product data released by the lessor on the chain; Photovoltaic financial leasing; the electronic documents generated in the process of photovoltaic financial leasing, including financial lease contracts, sales contracts, invoices and payment vouchers, are stored on the chain and distributed regionally. The invention utilizes the credible certificate storage and distributed sharing of the block chain to carry out photovoltaic financing and leasing, so as to realize the rapid financing needs of photovoltaic investors for photovoltaic equipment.

Description

Photovoltaic financing leasing method, system and storage medium based on blockchain

Technical Field

The present invention relates to the field of blockchain technology, and in particular to a photovoltaic financing leasing method, system and storage medium based on blockchain.

Background Art

Under the traditional financing leasing model, due to the small scale, poor credit level and few collateral assets of SMEs, it is difficult and expensive for SMEs to obtain financing, which has become a major obstacle to their development. After receiving the financing business application from the customer, the financing leasing company needs to conduct due diligence on the customer's credit, which usually takes a long time.

As for the online processing model, it is still in its infancy, has not yet reached scale, and the online rate is low; product research and development design is not sufficiently integrated with Internet thinking, and there is a lack of effective perception and rapid response to customer needs. There are relatively few online types, and it is impossible to provide efficient services to customers' financial business, and there is a lack of unified external information carriers.

In photovoltaic construction, power grid companies carry abundant power customer resources and channel resources, facing hundreds of millions of downstream power users and suppliers, and have various online and offline business, marketing and service channels. However, in photovoltaic financing leasing, power grid companies have limited collaborative sharing between production and financing, and between financing and financing, insufficient customer information collaboration, incomplete coverage, insufficient channel scene embedding, and weak ability to attract customers.

Summary of the invention

In view of the above analysis, the present invention aims to provide a photovoltaic financing leasing method, system and storage medium based on blockchain; using the trusted evidence and distributed sharing of blockchain to carry out photovoltaic financing leasing, so as to realize the photovoltaic investors' rapid financing needs for photovoltaic equipment.

The present invention discloses a photovoltaic financing leasing method based on blockchain, comprising:

Constructing a data pool for publishing photovoltaic financial electronic data on the blockchain, wherein the financial electronic data in the data pool includes the capital demand data published on the blockchain by the lessee and the financial product data published on the blockchain by the lessor;

After matching the transaction based on the photovoltaic financial electronic data, the lessee and the lessor conduct photovoltaic financial leasing;

The electronic documents generated in the process of photovoltaic financial leasing, including financial leasing contracts, sales contracts, invoices and payment receipts, are stored on the chain and shared in a regional distributed manner.

Furthermore, the photovoltaic financial electronic data in the data pool are all submitted to the blockchain's financial leasing service platform; and are published after being reviewed by an authorized third-party organization.

Furthermore, the financing transaction matching is performed through direct point-to-point matching between distributed lessee nodes and lessor nodes on the blockchain.

Furthermore, the electronic file is stored in a local database or uploaded to the cloud, and the electronic file is digitally/electronically signed using public and private keys; the signed electronic file is hashed and encrypted; the key information of the electronic file and its hash value are packaged together and stored on the chain; the electronic file itself and its hash value are anchored by a block index for bidirectional retrieval on and off the chain.

Furthermore, it also includes a method for downloading and querying the electronic file through the blockchain, specifically:

1) After receiving a request to download or query an electronic file, the client connected to the blockchain analyzes the subject, object, and operation semantics of the request, and establishes a corresponding mapping relationship between the user information initiating the request and the electronic file data that needs to be accessed;

2) The attribute management node on the blockchain generates an access request based on the mapping relationship and sends it to the policy decision node on the blockchain;

3) The policy decision node queries the 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 makes an access control decision;

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

5) The client performs authorized access operations on the electronic file data according to the judgment result. If the access request meets the access policy, the authorization is passed, and the electronic file hash value is obtained by the client chain; on the contrary, if the authorization is not passed, the user is directly informed that the authorization is illegal and the electronic file cannot be obtained;

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

7) The client responds to the electronic file download and query operations according to the electronic file link.

Furthermore, the lessee is a photovoltaic investor, and the lessor is a financial leasing company; the photovoltaic investor and the financial leasing company join the alliance blockchain through the lessee client and the lessor client to carry out financial leasing for the construction of distributed photovoltaic power stations.

Furthermore, the ID information of the photovoltaic equipment purchased under the financial lease is used to generate a public-private key pair through a hash algorithm to identify the uniqueness of the identity; and the obtained hash value is stored in the blockchain distributed database.

Furthermore, the blockchain also includes smart contracts for automatically performing rent payments, financing repayments and fund settlements.

The present invention also discloses a blockchain-based financial leasing system, which is characterized by comprising: a lessee client, a lessor client and a financial leasing alliance blockchain;

The lessee client and the lessor client apply to enter the blockchain;

Constructing a data pool for publishing financial electronic data on the blockchain, wherein the data pool includes the capital demand data published on the blockchain by the lessee client and the financial product data published on the blockchain by the lessor client;

After matching the transaction according to the financial electronic data, the lessee and the lessor conduct photovoltaic financial leasing through the lessee client and the lessor client;

The electronic documents generated in the process of photovoltaic financial leasing, including financial leasing contracts, sales contracts, invoices, and payment receipts, are stored on the chain and shared in a regional distributed manner.

The present invention also discloses a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

Constructing a data pool for publishing financial electronic data on the blockchain, wherein the data pool includes the capital demand data published on the blockchain by the lessee and the financial product data published on the blockchain by the lessor;

After matching the transaction based on the photovoltaic financial electronic data, the lessee and the lessor conduct photovoltaic financial leasing;

The electronic documents of financial leasing generated during the financial leasing process, including financial leasing contracts, sales contracts, invoices, and payment vouchers, will be put on the chain for storage and regionally distributed sharing.

The present invention achieves at least one of the following beneficial effects:

(1) Using blockchain technology, a consortium chain was created between power grid companies, upstream and downstream suppliers, photovoltaic investors, equipment manufacturers and financial institutions, and provided to all member companies on the platform. As a distributed ledger technology, all transaction data is not maintained by a single centralized organization, but is jointly maintained and witnessed by all consortium chain members. No party can manipulate the data according to its own interests, thus creating a natural trust environment.

(2) Blockchain technology is used to enable all members of the alliance chain to record and encrypt every business data and transaction information on the platform. Blockchain technology is used to make information peer-to-peer. Financial institutions no longer need to retrieve and verify data from a third party in a one-way manner, thereby reducing unnecessary procedures, lowering the difficulty and cost of financing, and improving the efficiency of financing.

(3) The platform adopts a fully online operation, from submitting financing applications, financing matchmaking to signing financing contracts. Due to the immutability and traceability of blockchain ledgers, according to the requirements of financial institutions, various trade background information and documents required for financing uploaded are stored and viewed on the blockchain. This avoids the transmission of a large number of offline paper documents and the time for operation review.

(4) Blockchain supports real peer-to-peer communication through distributed nodes, achieving trust without intermediaries. Through the platform, suppliers, photovoltaic companies and users with large business ties with power grid companies can establish a credit foundation and an internal financing transaction environment, thus achieving a win-win situation for core companies, suppliers, financial institutions and other carriers.

BRIEF DESCRIPTION OF THE DRAWINGS

The drawings are only for the purpose of illustrating particular embodiments and are not to be considered limiting of the present invention. Like reference symbols denote like components throughout the drawings.

FIG1 is a flow chart of a photovoltaic financing leasing method based on blockchain in Embodiment 1 of the present invention.

DETAILED DESCRIPTION

The preferred embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings, wherein the accompanying drawings constitute a part of this application and are used to illustrate the principles of the present invention together with the embodiments of the present invention.

Embodiment 1

This embodiment discloses a photovoltaic financing leasing method based on blockchain, as shown in FIG1 , comprising the following steps:

Step S1: The lessee and the lessor apply to enter the blockchain;

The blockchain in this embodiment is an alliance chain with the power grid company as the core, and lessees (photovoltaic investors or photovoltaic owners), lessors (financial leasing companies or banks and other institutions), equipment manufacturers and EPC companies as the main bodies. The financial leasing business of photovoltaic equipment is completed on the alliance chain, and the financing data, transactions and contracts generated in the financing process are stored on the chain.

The blockchain includes a financial leasing service platform built with Hyperledger Fabric and operated by the power grid company, as well as various client nodes including lessee clients, lessor clients and equipment manufacturer clients that are settled in the blockchain.

The lessee or lessor applies to the power grid company to enter the blockchain financial leasing service platform, and submits electronic documents of business license, credit, operation, finance, balance sheet and other certificates to the financial leasing service platform through their respective client nodes; the lessee is also required to submit the "Photovoltaic Project Access Application Form" to prove its financing needs; the power grid company performs credit review on the financial leasing service platform. If the approval is approved for the lessee or lessor to enter the platform on the blockchain, the files of the participating entities are archived, and after identity authentication by the CA center, public and private keys are allocated, and the alliance member information (name, role, authority, etc.) is set on the chain to store business licenses and other certificates on the chain. Alliance members can query the basic file information of other members after authorization by the power grid company, and quickly understand the background of the financing transaction party.

Step S2: constructing a data pool for publishing photovoltaic financial electronic data;

The financial electronic data in the data pool includes the capital demand data published on the chain by the lessee and the financial product data published on the chain by the lessor;

Preferably, the photovoltaic financial electronic data in the data pool are all submitted to the blockchain financing leasing service platform; they are reviewed and released by an authorized third-party agency; the third-party agency can be a third-party agency authorized by the power grid company or directly reviewed by the power grid company.

For example: After the photovoltaic investor as the lessee submits the "Photovoltaic Project Access Application Form" to the power grid company, it indicates that it is short of funds and has a financing demand for leasing photovoltaic equipment and its components. It determines the equipment model, quantity, price, etc. required to build a photovoltaic power station, and estimates the market price of the equipment, that is, the required capital demand.

Photovoltaic investors apply for financial leasing business on the financial leasing service platform and select the financial leasing model, which includes direct leasing and sale and leaseback. Before applying for financing, photovoltaic investors have selected the required financing model (direct leasing, sale and leaseback). When applying for direct financing, photovoltaic suppliers need to fill in the "funding needs" on the financial leasing service platform, including the following fields:

The power grid company reviews and approves the funding needs of photovoltaic investors for purchasing photovoltaic equipment on the financial leasing service platform.

After approval, the power grid company will publish the funding needs for direct leasing in the data pool of photovoltaic financial electronic data.

After the application for entry into the financial leasing service platform is approved, the financial leasing company, as the lessor, applies to publish its financial products on the platform because it has the capital supply demand to obtain rental and interest income from leasing equipment. The financial products include the following fields.

After being reviewed and approved by the power grid company, the financial products are published in the data pool of photovoltaic financial electronic data.

The data pool contains various financial products released by financial institutions, as well as funding demands released by enterprises with financing needs.

Photovoltaic investors select suitable financial products from the data pool, and financial leasing companies select suitable direct leasing funding needs from the data pool.

Alternatively, PV investors view the details of financial products published by the financial leasing companies in the platform data pool, fill in their funding needs, and after review by the power grid company, if the review is passed, submit the needs to the financial leasing company and enter the cooperation intention management. Financial institutions can choose or reject the financing application.

Step S3: After matching the transaction according to the photovoltaic financial electronic data, the lessee and the lessor conduct photovoltaic financial leasing;

The financing transaction matching is performed through direct point-to-point matching between the lessee nodes and the lessor nodes distributed on the blockchain.

For the active financing of photovoltaic investors, the platform will prioritize the financial products that match their funding needs, perform preliminary matching, and provide photovoltaic investors with selective financing applications. At this time, photovoltaic investors can choose a suitable financial leasing company from the top-ranked financial products to initiate a financing application.

When applying, submit the "Financial Leasing Project Application Form" online to the financial leasing company, which is stored in hash encryption. The financial leasing company will understand the basic situation and business needs of the customer and design a feasible leasing plan based on the customer's pre-stored alliance member registration materials, archived photovoltaic project materials, and initiated funding needs on the blockchain.

The financial leasing company conducts due diligence and focuses on factors such as financing compliance, the lessee's historical financing credit, the lessee's operating and financial situation, the degree of endorsement by the power grid company, the lessee's repayment ability, the photovoltaic industry situation, the market price fluctuations of the leased items, and the financing income of both parties. Based on the "Financial Leasing Project Application Form" and feasible leasing plans, the two parties negotiated several times off-chain to determine the final leasing plan. The financial leasing company voted and agreed to the plan, forming the "Financial Leasing Project Approval Form", which will take effect after being electronically signed by the representative of the financial leasing company, and at the same time be stored on the chain to form a legally effective certification document.

The above process is direct leasing. For the sale and leaseback model, in addition to signing the "Photovoltaic Financial Leasing Contract" (that is, after the contract is signed, the photovoltaic investor has the right to use the equipment but not the ownership), the photovoltaic investor and the financial leasing company must also sign the "Photovoltaic Equipment Sales Contract" online. After the rent payment is completed, the photovoltaic investor owns the equipment.

The two parties to the financing transaction signed the "Photovoltaic Financing Lease Contract" and the contract was put on the blockchain for evidence storage: Based on the standard financing lease contract template, the information editing and online signing of the electronic contract between the two parties to the financing transaction were completed. After the signing was completed, the PDF technology was used to effectively solidify the file content. At the same time, the hash value of the file was saved on the chain by the signatory and stored in the National Authoritative Electronic Data Judicial Appraisal Center through blockchain technology, effectively preventing file tampering. Once the information is verified and added to the blockchain, it will be stored permanently. The data in the block is irreversible, and the financing transaction data has extremely high stability, reliability, and legality.

Equipment purchase and sale contracts are put on the blockchain: Financial leasing companies and equipment manufacturers will sign equipment purchase contracts based on the equipment model requirements of photovoltaic investors. Electronic signatures, time stamps, and evidence preservation technologies are used to sign and store contract documents to ensure that electronic contracts cannot be tampered with or denied, meet the requirements of the "Electronic Signature Law of the People's Republic of China" for reliable electronic signatures, and ensure the legal effect of electronic contracts.

Equipment inspection, identity chain, and full life cycle management: The photovoltaic power generation system is composed of solar cell arrays, charge and discharge controllers, inverters, AC distribution cabinets, solar tracking control systems and other equipment.

Preferably, the ID information of the photovoltaic device is generated into a public-private key pair through a hash algorithm to identify the uniqueness of the identity; and the obtained hash value is stored in the blockchain distributed database to ensure that the assets cannot be forged.

The encrypted hash of the device ID information collected on-site is compared with the hash value on the chain to complete the traceability, inspection and management of the equipment.

The ID information may be an electronic tag such as an RFID electronic tag or a QR code that can be used to identify the identity of the photovoltaic device.

In this embodiment, the equipment purchase contract list and equipment acceptance information associated with all financing contracts of the current enterprise can be used for equipment acceptance or acceptance traceability. After the equipment is accepted, a notification will be sent to the financial institution corresponding to the financing contract to inform it of the equipment acceptance progress and remind it to pay.

Step S4: The electronic documents generated in the process of photovoltaic financial leasing, including the financial leasing contract, sales contract, invoice and payment voucher, are stored on the chain and shared in a regional distributed manner.

Specifically, the electronic file is stored in a local database or uploaded to the cloud, and the electronic file is digitally/electronically signed using public and private keys; the signed electronic file is hashed and encrypted; the key information of the electronic file and its hash value are packaged together and stored on the chain; the electronic file itself and its hash value are anchored by a block index for bidirectional retrieval on and off the chain.

Specifically, the block indexing methods include: block number, block hash, transaction number, block number and transaction number at the same time, block transaction number and transaction verification code.

When uploading evidence to the blockchain, personalized information and commercial secrets in the electronic documents and the photovoltaic company's power generation data, power sales data, power purchase data and other information will be eliminated to form a "value exchange zone" on the blockchain, which will restore the authenticity of the trade to the greatest extent, provide further supporting materials for the development of financial leasing, and enable financial institutions to objectively and scientifically assess the risks of financing.

Step S5: All parties involved in the financial lease download and query the electronic file through the blockchain;

Specifically include:

1) After receiving a download or query request for an electronic file, the client connected to the blockchain analyzes the subject, object, and operation semantics of the request, and establishes a corresponding mapping relationship between the user information initiating the request and the electronic file data that needs to be accessed.

2) The attribute management node on the blockchain generates an access request based on the mapping relationship and sends it to the policy decision node in the blockchain network;

The attribute management node is used to manage entity attributes, including publishing, updating and revoking attributes, and provides data support for contractual access policies.

The entity attributes include file attributes and access policy attributes; the file attributes include the file size, creation time, whether it is read-write only, level attributes, etc. The access policy attributes include the policy maker, creation time, revision time, and whether it is read-only and cannot be modified or deleted.

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

The access control policy set is a policy management node that describes, collects, and integrates access control policies in combination with attribute information.

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

5) The client performs authorized access operations on the electronic file data according to the response result. If the access request meets the access policy, the authorization is passed, and the digital fingerprint of the electronic file is obtained by the client chain; on the contrary, if the authorization is not passed, the user is directly informed that the authorization is illegal and the electronic file cannot be obtained;

6) The client retrieves the electronic file link that matches the hash value on the chain based on the block index;

7) The client responds to the electronic file download or query operation according to the electronic file link.

When a user logs in for the first time and passes the file access authorization, there is no need to request authorization again. The user can directly view or download the file in the authorization history record, thus achieving the "one-time authorization, multiple uses" effect.

Preferably, the blockchain also includes smart contracts for rent payment, financing repayment, and fund settlement. The smart contracts are triggered according to the set conditions to make rent payment, financing repayment, and fund settlement.

The establishment of the smart contract includes:

1) Generate the contract text of the smart contract using the formatted contract template that is agreed upon by all nodes on the blockchain;

The contract text is generated after the parties reach a consensus on the billing rules for rent payment, financing repayment, and fund settlement;

The formatted contract template that each node on the blockchain reaches a consensus on can be downloaded from the financial leasing service platform. After the contract template consensus is uploaded to the chain, it cannot be tampered with to prevent a single node from maliciously adding, deleting, or modifying it.

2) Obtain smart contract code after programming and verification;

Programmatically generate smart contract code from the contract text;

Verify the smart contract code to check the consistency between the smart contract code and the contract text.

Specifically, formal verification methods can be used to verify smart contract codes;

Since smart contracts may have inconsistencies between smart contract code and contract text due to improper contract compilation, improper contract code writing, improper execution environment implementation, or defects in contract code logic during contract construction, storage, and execution, it is necessary to conduct careful audits and security checks on smart contracts on the chain. This embodiment uses formal verification methods to conduct security audits on smart contract codes to ensure that the smart contract code and settlement rules are consistent in nature and execution; based on the established formal constraints, the relevant characteristics of the settlement contract are analyzed and verified to audit whether the settlement contract meets the expected security attributes, such as whether there are inconsistencies, ambiguities, incompleteness, and other issues.

Smart contract code verification can be performed on a virtual machine.

3) Distribute the smart contract code to each node;

Specifically, the verified contract is distributed to each node via P2P.

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

Each block contains the following information: the hash value of the current block, the hash value of the previous block, timestamp, contract data, and smart contract record data. Contracts are stored in the contract collection for instant call based on business needs.

5) Each node spreads the block in the local memory to other nodes in the entire network.

6) The node that receives the block will compare and verify the locally saved Hash value.

Consensus is reached through multiple rounds of sending and comparison, and then extended to all nodes in the entire network.

In summary, compared with the existing technology, this embodiment uses blockchain technology to create an alliance chain between power grid companies, upstream and downstream suppliers, photovoltaic investors, equipment manufacturers and financial institutions, which is provided to all member companies on the platform. As a distributed ledger technology, all transaction data of blockchain is not maintained uniformly by a single centralized organization, but is jointly maintained and witnessed by all members of the alliance chain. No party can manipulate the data according to its own interests, thus creating a natural trust environment. Blockchain technology is used to enable all members of the alliance chain to record and encrypt every business data and transaction information on the platform, and blockchain technology is used to make information multi-party peer-to-peer. Financial institutions no longer need to retrieve and verify data from a third party in a one-way manner, reduce unnecessary procedures, reduce the difficulty and cost of financing, and improve the efficiency of financing. The platform adopts full online operation, from submitting financing applications, financing matchmaking to signing financing contracts. All online processing. Due to the immutability and traceability of blockchain ledgers, according to the requirements of financial institutions, various trade background information and documents required for uploaded financing are stored and viewed on the blockchain. Avoid the transmission and operation review time of a large number of offline paper documents. Blockchain supports real peer-to-peer communication through distributed nodes, achieving trust without intermediaries. Through the platform, suppliers, photovoltaic companies and users with large business ties with power grid companies can establish a credit foundation and an internal financing transaction environment, achieving a win-win situation for core companies, suppliers, financial institutions and other carriers.

Embodiment 2

This embodiment discloses a blockchain-based financial leasing system, including: a lessee client, a lessor client, and a financial leasing alliance blockchain;

The lessee client and the lessor client apply to enter the blockchain;

Constructing a data pool for publishing financial electronic data on the blockchain, wherein the data pool includes the capital demand data published on the blockchain by the lessee client and the financial product data published on the blockchain by the lessor client;

After matching the transaction according to the financial electronic data, the lessee and the lessor conduct photovoltaic financial leasing through the lessee client and the lessor client;

The electronic documents generated in the process of photovoltaic financial leasing, including financial leasing contracts, sales contracts, invoices, and payment receipts, are stored on the chain and shared in a regional distributed manner.

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

Embodiment 3

This embodiment discloses a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

Constructing a data pool for publishing financial electronic data on the blockchain, wherein the data pool includes the capital demand data published on the blockchain by the lessee and the financial product data published on the blockchain by the lessor;

After matching the transaction based on the photovoltaic financial electronic data, the lessee and the lessor conduct photovoltaic financial leasing;

The electronic documents of financial leasing generated during the financial leasing process, including financial leasing contracts, sales contracts, invoices, and payment vouchers, will be put on the chain for storage and regionally distributed sharing.

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

The above description is only a preferred specific implementation manner of the present invention, but the protection scope of the present invention is not limited thereto. Any changes or substitutions that can be easily conceived by any technician familiar with the technical field within the technical scope disclosed by the present invention should be covered within the protection scope of the present invention.

Claims (9)

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

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;

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:

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.

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;

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;

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

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:

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;

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

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 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.

Images