CN111145010A - Credit granting and financing method and device - Google Patents
Credit granting and financing method and device Download PDFInfo
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- CN111145010A CN111145010A CN201911322197.XA CN201911322197A CN111145010A CN 111145010 A CN111145010 A CN 111145010A CN 201911322197 A CN201911322197 A CN 201911322197A CN 111145010 A CN111145010 A CN 111145010A
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
Abstract
The invention discloses a credit granting and financing method and device. The method comprises the following steps: the financing enterprise node deploys the financing intelligent contract on the block chain and carries out Hash signature confirmation, and the supply chain core enterprise carries out guarantee and Hash signature on the financing intelligent contract; the financial institution node performs Hash signature confirmation on the financing intelligent contract on the block chain according to the credit line of the financing enterprise node; the financial institution node sends a loan to the financing enterprise node in a Token transfer mode based on the intelligent financing contract, and carries out Hash signature confirmation on the sending of the loan, so that the financing enterprise node receives the loan sent in the Token transfer mode and carries out Hash signature confirmation on the receiving of the loan, after the loan is due, the financing enterprise node repays the loan and carries out Hash signature, the financial institution node receives the repayment and then carries out Hash signature confirmation, and the supply chain core enterprise carries out Hash signature certification on the financing process, thereby improving the efficiency, transparency, credibility and reliability of the credit and financing.
Description
Technical Field
The invention belongs to the technical field of financial transactions, and particularly relates to a credit and financing method, a credit and financing device, terminal equipment and a computer readable medium.
Background
Supply chain finance is a financing model for banks to connect supply chain core enterprises with upstream and downstream enterprises to provide flexible use of financial products and services. Currently, supply chain finance has a variety of financing models, including receivable-type financing, advance-type financing, and inventory-type financing. The supply chain financial mode solves the problem of difficult financing of medium and small enterprises to a certain extent, and has stability on the whole.
The traditional supply chain credit granting and financing mode can expand the financing path of upstream and downstream small and medium-sized enterprises to a certain extent, and solve the problem of difficult financing, but some pain points need to be solved by adopting other technologies: the method has the advantages that multiple parties collaborate to cheat funds, credit lines are not mutually trusted, credit cost is high, financing disputes are frequently issued, security risks of supply chain core enterprises are high and the like. These problems have caused a greater dilemma in the trust and financing of the supply chain.
Disclosure of Invention
The invention provides a trust and financing method, a device, terminal equipment and a computer readable medium based on a block chain, which can improve the efficiency, transparency, reliability and reliability of a trust and financing mode.
The invention provides a credit and financing method on one hand, which comprises the following steps:
the financing enterprise node deploys the financing intelligent contract on the block chain, and a supply chain core enterprise guarantees the financing intelligent contract and carries out Hash signature; the financing enterprise node comprises an upstream enterprise and/or a downstream enterprise of the supply chain core enterprise;
the financial institution node performs Hash signature confirmation on the financing intelligent contract on the block chain according to the credit line of the financing enterprise node;
and the financial institution node issues a loan to the financing enterprise node in a Token transfer mode based on the intelligent financing contract, and performs Hash signature confirmation on the issuance of the loan, so that the financing enterprise node receives the loan issued in a Token transfer mode and performs Hash signature confirmation on the reception of the loan.
The invention also provides a credit and financing device, which comprises:
the deployment module is used for enabling the financing enterprise node to deploy the financing intelligent contract on the block chain, and the supply chain core enterprise guarantees the financing intelligent contract and carries out Hash signature; the financing enterprise node comprises an upstream enterprise and/or a downstream enterprise of the supply chain core enterprise;
the confirmation module is used for enabling the financial institution node to carry out Hash signature confirmation on the intelligent financing contract on the block chain according to the credit line of the financing enterprise node;
and the loan module is used for enabling the financial institution node to issue a loan to the financing enterprise node in a Token transfer mode based on the financing intelligent contract, and performing Hash signature confirmation on the issuance of the loan, so that the financing enterprise node receives the loan issued in a Token transfer mode, and performs Hash signature confirmation on the reception of the loan.
The third method of the embodiment of the invention provides terminal equipment, which comprises a memory, a processor and a computer program which is stored in the memory and can run on the processor, wherein the steps of the credit and financing method are realized when the processor executes the computer program.
A fourth aspect of the embodiments of the present invention provides a computer-readable medium, where a computer program is stored, and when the computer program is processed and executed, the steps of the trust and financing method are implemented.
In the credit granting and financing method provided by the embodiment of the invention, a financing enterprise node can deploy a financing intelligent contract on a block chain, a supply chain core enterprise guarantees the financing intelligent contract and performs Hash signature, a financial institution node can perform Hash signature confirmation on the financing intelligent contract on the block chain according to the credit granting amount of the financing enterprise node, and the financial institution node can also issue a loan to the financing enterprise node in a Token transfer mode based on the financing intelligent contract, perform Hash signature confirmation on the issuance of the loan, so that the financing enterprise node receives the loan issued in a Token transfer mode, and perform Hash signature confirmation on the reception of the loan, thereby improving the efficiency, transparency, credibility and reliability of a credit granting and financing mode.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
FIG. 1 is a flow chart of a credit and financing method according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of information and flow direction thereof required by credit line calculation in the credit and financing method according to the embodiment of the present invention;
FIG. 3 is a flow chart of another credit and financing method according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a credit and financing device according to an embodiment of the present invention;
FIG. 5 is a schematic diagram illustrating a detailed structure of a confirmation module in the credit and financing device provided in the embodiment of FIG. 4;
FIG. 6 is a schematic structural diagram of another credit and financing device provided in the embodiment of the present invention;
FIG. 7 is a schematic diagram of a detailed structure of a computing module in the credit and financing device provided in the embodiment of FIG. 6;
fig. 8 is a schematic diagram of a terminal device according to an embodiment of the present invention.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.
In order to explain the technical means of the present invention, the following description will be given by way of specific examples.
Referring to fig. 1, fig. 1 is a diagram illustrating a credit and financing method according to an embodiment of the present invention. As shown in fig. 1, the credit financing method of the present embodiment includes the following steps:
s101: and the financing enterprise node deploys the financing intelligent contract on the block chain, and the supply chain core enterprise guarantees the financing intelligent contract and carries out Hash signature.
In embodiments of the invention, financing enterprise nodes with funding requirements (which may include upstream and/or downstream enterprises of a supply chain core enterprise) may deploy financing intelligence contracts on a blockchain that the supply chain core enterprise vouches for and hashes (Hash) signatures.
S102: and the financial institution node performs Hash signature confirmation on the intelligent financing contract on the block chain according to the credit line of the financing enterprise node.
In the embodiment of the invention, the financial institution node or the credit pool can calculate the credit line of the financing enterprise node in advance, and store the calculated credit line of the financing enterprise node on the block chain. The method for calculating the credit line can comprise the following steps:
1) and obtaining user information, user role information, authority information, data resource and other information from a financing pool, a credit investigation pool and a distributed database related to a supply chain core enterprise of the block chain, and obtaining credit granting indexes of the financing enterprise nodes. The credit granting indexes comprise qualitative credit granting indexes and quantitative credit granting indexes, the qualitative credit granting indexes can comprise enterprise qualification, prize obtaining conditions, enterprise rating and the like, and the quantitative credit granting indexes can comprise net assets, current liability amount, liability remittance amount, external guarantee, owing tax amount, social guarantee payment, transaction records, inventory conditions and the like.
2) After the credit granting index is obtained, the qualitative index in the credit granting index can be quantified, specifically, the value of the categorical qualitative index can be 0 or 1, for example, the value of the enterprise qualification can be 0 or 1 (i.e., if no enterprise qualification exists, the value is 0; if the enterprise qualification exists, the value is 1), and the value of the winning condition can be 0 or 1; while the qualitative index with a hierarchical level may take a value between 0 and 1, for example, the enterprise rating takes a value between 0 and 1.
3) And carrying out standardization processing on the quantitative credit granting index and the quantified qualitative credit granting index. Specifically, if the credit granting index is a forward index, the value Y of the credit granting index after the standardization processing is performed on the credit granting index belonging to the forward indexijComprises the following steps:
wherein, XijTaking the value of the jth credit granting index of the ith enterprise in the financing enterprise nodes; the positive indicators comprise net assets, debt liquidation amounts, external guarantees, social insurance payments, transaction records, inventory conditions and the like in the qualitative credit granting indicators and the quantitative credit granting indicators.
If the credit-granting index is a negative-direction index, the value Y of the credit-granting index which belongs to the negative-direction index after standardization processingijComprises the following steps:
wherein the negative indicators comprise the current liability amount, the owed tax amount and the like in the quantitative credit granting indicators.
4) And calculating the weight of the quantitative credit granting index and the qualitative credit granting index after the standardization treatment. Specifically, the weight of the credit indicator of the weight to be calculated may be calculated according to the proportion of the standard deviation of the credit indicator of the weight to be calculated after the normalization process to the sum of the standard deviations of all the credit indicators:
wherein, WjIs the weight of the jth credit indicator, σjAnd the standard deviation of a data set formed by the values of the jth credit granting index of each enterprise in the financing enterprise nodes.The standard deviation is a consideration of the discretization degree of the value of each enterprise in the financing enterprise nodes on the same credit granting index.
5) And obtaining credit investigation score of the financing enterprise node according to a formula (1) based on the weight and the value of the quantitative credit granting index and the qualitative credit granting index after standardization treatment:
Qi1＝∑jWjYij(1)
wherein Q isi1Credit investigation score, Q, for the ith business in the financing business nodesi1Can be in the range of [0, 1 ]]；WjIs the weight of the jth credit granting index, YijTaking a value of a jth credit granting index of an ith enterprise in the financing enterprise nodes after standardization;
6) calculating the credit granting amount Z of the financing enterprise node according to a formula (2) according to the credit investigation score of the financing enterprise node and the guarantee condition of the supply chain core enterprise on the intelligent financing contracti2：
Zi2＝Ki*Qi1*Qi2(2)
Wherein, KiFor the enterprise asset, Q, of the ith enterprise in the financing enterprise nodesi2A factor, Q, for consideration regarding the warranty of the financing intelligence contract by the supply chain core enterprisei2The value of (A) is determined by the qualifications of the supply chain core enterprise, Qi2Has a value range of [1, 1.2 ]]，Qi2May be obtained from a database or trust pool associated with the supply chain core enterprise on the blockchain (as shown in fig. 2).
Further, referring to fig. 2, the information required for calculating the credit line in the above steps 1) to 6) and the flow direction thereof, various transaction information of the financing pool with financing requirements flows to the credit investigation pool, the credit investigation pool forms credit investigation information and flows to the credit investigation pool, the guarantee information of the core enterprise also flows to the credit investigation pool, the credit investigation pool can calculate the credit line according to the credit investigation condition (e.g., credit investigation score in step 5) and the guarantee condition (e.g., guarantee condition of the supply chain core enterprise on the financing intelligent contract), and report the credit investigation condition (which may include the credit line) to the fund pool related to the financial institution node.
After the credit line is calculated, the financial institution node may store the credit line on the blockchain, for example, in a credit pool on the blockchain (as shown in fig. 2), so as to obtain and utilize a fund pool related to the financial institution node. Therefore, in an embodiment of the present invention, a financial institution node may obtain a credit line amount of the financing enterprise node from the block chain, compare the credit line amount with a loan application line amount in the financing intelligent contract, determine the smaller of the credit line amount and the loan application line amount as a loan line amount of the financing intelligent contract, and perform Hash signature confirmation on the financing intelligent contract in which the loan line amount is determined.
S103: and the financial institution node issues a loan to the financing enterprise node in a Token transfer mode based on the intelligent financing contract, and performs Hash signature confirmation on the issuance of the loan, so that the financing enterprise node receives the loan issued in a Token transfer mode and performs Hash signature confirmation on the reception of the loan.
In an embodiment of the present invention, the financial institution node may issue a loan to the financing enterprise node in a Token (Token) transfer manner based on the financing intelligent contract that it has confirmed, and perform a Hash signature confirmation on the issuance of the loan. The financing enterprise node receives the loan issued in a manner of transferring accounts for Token, and can perform Hash signature confirmation on the receipt of the loan. At the same time, the supply chain core enterprise may also perform Hash signature confirmation of the completion of the loan issuance and receipt. And after the loan is expired, the financing enterprise node can repay the loan for the financial institution node in a Token transfer mode and carry out Hash signature on the repayment, the financial institution node also carries out Hash signature confirmation on the receipt of the repayment after receiving the repayment, and the supply chain core enterprise can also carry out Hash signature verification on the completion of the repayment and carry out Hash signature verification on the financing process.
Referring to fig. 3, fig. 3 is a business model diagram of a credit and financing method according to an embodiment of the present invention. As shown in fig. 3, in the business model of the credit and financing method:
s1, the financing intelligence contract (abbreviated as financing contract in fig. 3) is deployed by the financing enterprises upstream and downstream of the supply chain core enterprise with the capital requirement on the blockchain, for example, in the block i (block j) on the blockchain in fig. 3. Wherein, the upstream financing enterprise and the downstream financing enterprise of the supply chain core enterprise form an upstream financing pool and a downstream financing pool.
S2, the supply chain core enterprise (referred to as core enterprise in fig. 3) vouches for the financing intelligence contract, and performs Hash signature verification, and the related signature and guarantee information can be written in block i (block i) on the block chain.
And S3, the financial institution node (referred to as financial institution in FIG. 3) confirms the intelligent financing contract according to the credit line of the financing enterprise node (i.e. upstream and downstream financing enterprises with fund demand of the supply chain core enterprise). Specifically, the financial institution node may obtain the credit line from a credit pool and a credit investigation pool related to a capital pool, confirm the financing intelligent contract according to the credit line, and perform a Hash signature on the financing intelligent contract. The financing intelligence contracts that are signature validated may be stored in block j (block j) on the block chain. The trust fusion pool is also associated with the supply chain core enterprise, and can acquire trust information related to the supply chain core enterprise and trust information related to upstream and downstream financing enterprise nodes of the supply chain core enterprise from the trust fusion pool.
And S4, the financial institution node issues the loan to the financing enterprise node in a Token transfer mode according to the intelligent financing contract, and Hash signature is carried out on the loan method, and the related information can be stored in a block k (Block k) on the block chain.
S5, the upstream and downstream financing enterprise nodes of the supply chain core enterprise receive the loan issued by the Token transfer mode, and the receipt of the loan is subjected to Hash signature confirmation, and the related information can be stored in a block k (Block k) on the block chain.
S6, the supply chain core enterprise checks the completion of the Token type issuance and receiving of the loan for Hash signature verification, and the related information of signature verification can be stored in a block k (Block k) on the block chain.
And S7, after the loan related to the intelligent financing contract is expired, the upstream financing enterprise and the downstream financing enterprise pay the financial institution nodes in a Token transfer mode, and carry out Hash signature on the payment. Information related to repayment and signatures may be stored in block m (block m) on the block chain.
S8, after receiving the payment in the form of Token of the upstream and downstream financing enterprises, the financial institution node performs Hash signature confirmation on the receipt of the payment, and stores the relevant information in a block m (Block m) on the block chain.
S9, the supply chain core enterprise carries out Hash signature verification on the completion of the Token type repayment, and stores the related information of the signature verification in a block m (Block m) on the block chain. In addition, block n (block n) in fig. 3 is the other related block in the block chain.
In the credit and financing method provided in fig. 1 or fig. 3, the supply chain core enterprise as a third party guarantees a signature for the financing intelligent contract on the block chain, thereby solving the problem that the credit lines of multiple banks are not mutually trusted. In addition, in the links of credit investigation and credit granting, each step transmits the uplink, thereby avoiding mutual collusion among other nodes except the fund pool, further reducing the risk of the fund pool and ensuring that the fund pool can obtain more investment. And because the data on the block chain is shared, the data source is expanded, the data quality is reliable, and multi-party verification is obtained, therefore, more underlying data bases can be obtained by calculating the credit granting condition of the upstream and downstream financing pools through the credit investigation pool and the credit granting pool according to the calculation method provided by the embodiment of the invention, and the calculation accuracy and the working efficiency are improved. In the trust and financing mode of the block chain, the whole trust and financing process is confirmed by the full-node consensus signature, and the information cannot be falsified, so that the financing dispute can be reduced to a certain extent, and the financing efficiency is improved. In addition, under the credit granting and financing mode of the block chain, the credit acquisition cost is reduced, so that the credit granting and financing cost is correspondingly reduced, the increase of the related profits of enterprises is facilitated, the Token transfer can be realized in real time, and the fund transfer efficiency can be improved. Therefore, deploying a financing intelligence contract for trust and financing of a supply chain on a blockchain can resolve many difficulties faced by trust and financing of the supply chain.
Referring to fig. 4, fig. 4 is a block diagram of a credit and financing device according to an embodiment of the present invention. As shown in fig. 4, the credit and financing device 40 of the present embodiment includes a deployment module 401, a determination module 402 and a loan module 403. The deployment module 401, the determination module 402 and the loan module 403 are respectively used for executing the specific methods in S101, S102 and S103 in fig. 1, and the details can be referred to the related introduction of fig. 1 and are only briefly described here:
a deployment module 401, configured to enable a financing enterprise node to deploy a financing intelligent contract on a block chain, and a supply chain core enterprise guarantees and hashes the financing intelligent contract; the financing enterprise nodes include upstream enterprises and/or downstream enterprises of the supply chain core enterprise.
A confirmation module 402, configured to enable a financial institution node to perform Hash signature confirmation on the financing intelligent contract on the block chain according to the credit line granted by the financing enterprise node.
And the loan module 403 is configured to enable the financial institution node to issue a loan to the financing enterprise node in a Token transfer manner based on the financing intelligent contract, and perform Hash signature confirmation on issuance of the loan, so that the financing enterprise node receives the loan issued in the Token transfer manner, and performs Hash signature confirmation on reception of the loan.
Further, referring to fig. 5, the validation module 402 may specifically include a comparison unit 4021 and a signature unit 4022:
a comparing unit 4021, configured to enable a financial institution node to obtain a credit line of the financing enterprise node from the block chain, compare the credit line with a loan application line in the financing intelligent contract, and determine the smaller of the credit line and the loan application line as the loan line of the financing intelligent contract;
the signature unit 4022 is configured to enable the financial institution node to perform Hash signature verification on the financing intelligent contract with the determined loan amount.
Referring to fig. 6, fig. 6 is a block diagram illustrating another credit and financing device according to an embodiment of the present invention. As shown in fig. 6, the credit and financing device 60 of the present embodiment is optimized based on the credit and financing device 40 provided in fig. 4, and the credit and financing device 60 further includes a calculation module 601, a loan completion confirmation module 602, a repayment module 603, a repayment receiving module 604 and a verification module 606, in addition to the deployment module 401, the confirmation module 402 and the loan module 403 in the credit and financing device 40:
the calculating module 601 is configured to calculate the credit line of the financing enterprise node before the financial institution node performs Hash signature confirmation on the intelligent financing contract according to the credit line of the financing enterprise node on the block chain, and store the calculated credit line of the financing enterprise node on the block chain, so that the confirming module 402 can enable the financial institution node to confirm the intelligent financing contract according to the credit line.
And the loan completion confirmation module 602 is configured to, after the financial institution node issues a loan to the financing enterprise node in a Token transfer manner according to the intelligent financing contract and the financing enterprise node receives the loan issued by the financial institution node, enable the supply chain core enterprise to perform Hash signature confirmation on completion of issuance and reception of the loan.
A repayment module 603, configured to enable the financing enterprise node to repay the financial institution node in a Token transfer manner after the loan expires, and perform a Hash signature on the repayment;
a repayment receiving module 604, configured to enable the financial institution node to perform Hash signature confirmation on the receipt of the repayment after receiving the repayment.
A certification module 606, configured to enable the supply chain core enterprise to perform Hash signature certification on the completion of the repayment.
Further, as shown in fig. 7, the calculation module 601 may further include an obtaining unit 6011, a quantifying unit 6012, a normalizing unit 6013, a weighting unit 6014, a credit investigation unit 6015, a credit granting unit 6016, and a storage unit 6017. The obtaining unit 6011, the quantifying unit 6012, the normalizing unit 6013, the weighting unit 6014, the credit investigation unit 6015, and the credit granting unit 6016 are respectively configured to perform the specific methods in the steps 1), 2), 3), 4), 5), and 6) of calculating the credit granting amount in S101, and details can be referred to the related description of S101, which is only briefly described here:
an obtaining unit 6011, configured to obtain, from the distributed database of the block chain, the trust authorization index of the financing enterprise node; the credit granting indexes comprise qualitative credit granting indexes and quantitative credit granting indexes; the qualitative credit-granting indexes can include enterprise qualification, prize winning condition, enterprise rating and the like, and the quantitative credit-granting indexes can include net assets, current liability amount, liability remittance amount, external guarantee, owing tax amount, social insurance payment, transaction records, inventory condition and the like.
A quantifying unit 6012, configured to quantify the qualitative trust indicator.
A normalizing unit 6013, configured to perform normalization processing on the quantitative credit granting indicator and the quantified qualitative credit granting indicator.
A weighting unit 6014, configured to calculate weights of the quantitative credit grant indicator and the qualitative credit grant indicator after the normalization processing.
A credit investigation unit 6015, configured to obtain, based on the weight and values of the quantitative credit granting indicator and the qualitative credit granting indicator after the normalization processing, a credit investigation score of the financing enterprise node according to formula (1):
Qi1＝∑jWjYij(1)
wherein Q isi1Credit investigation score of ith enterprise in the financing enterprise nodes; wjIs the weight of the jth credit granting index, YijAnd taking the value of the j credit granting index of the ith enterprise in the financing enterprise nodes after standardization.
A credit granting unit 6016, configured to calculate, according to a formula (2), a credit granting amount Z of the financing enterprise node according to the credit investigation score of the financing enterprise node and a guarantee condition of the supply chain core enterprise on the financing intelligent contracti2：
Zi2＝Ki*Qi1*Qi2(2)
Wherein, KiFor the enterprise asset, Q, of the ith enterprise in the financing enterprise nodesi2A factor, Q, for consideration regarding the warranty of the financing intelligence contract by the supply chain core enterprisei2The value of (A) is determined by the qualifications of the supply chain core enterprise, Qi2Has a value range of [1, 1.2 ]]，Qi1Can be in the range of [0, 1 ]]。
In addition, the storage unit 6017 is configured to store the calculated credit line of the financing enterprise node in the block chain.
The credit financing device provided in fig. 7 can ensure that the supply chain core enterprise as a third party guarantees the signature for the financing intelligent contract on the block chain, thereby solving the problem that the credit lines of multiple banks are not mutually trusted. In addition, in the links of credit investigation and credit granting, each step transmits the uplink, thereby avoiding mutual collusion among other nodes except the fund pool, further reducing the risk of the fund pool and ensuring that the fund pool can obtain more investment. And because the data on the block chain is shared, the data source is expanded, the data quality is reliable, and multi-party verification is obtained, therefore, more underlying data bases can be obtained by calculating the credit granting condition of the upstream and downstream financing pools through the credit investigation pool and the credit granting pool according to the calculation method provided by the embodiment of the invention, and the calculation accuracy and the working efficiency are improved. In the trust and financing mode of the block chain, the whole trust and financing process is confirmed by the full-node consensus signature, and the information cannot be falsified, so that the financing dispute can be reduced to a certain extent, and the financing efficiency is improved. In addition, under the credit granting and financing mode of the block chain, the credit acquisition cost is reduced, so that the credit granting and financing cost is correspondingly reduced, the increase of the related profits of enterprises is facilitated, the Token transfer can be realized in real time, and the fund transfer efficiency can be improved. Therefore, deploying a financing intelligence contract for trust and financing of a supply chain on a blockchain can resolve many difficulties faced by trust and financing of the supply chain.
Fig. 8 is a schematic diagram of a terminal device according to an embodiment of the present invention. As shown in fig. 8, the terminal device 8 of this embodiment includes: a processor 80, a memory 81, and a computer program 82, such as a program for credit financing, stored in the memory 81 and operable on the processor 80. The processor 80, when executing the computer program 82, implements the steps in the above-described method embodiments, e.g., S101 to S103 shown in fig. 1. Alternatively, the processor 80, when executing the computer program 82, implements the functions of each module/unit in each device embodiment described above, for example, the functions of the modules 401 to 403 shown in fig. 4.
Illustratively, the computer program 82 may be partitioned into one or more modules/units that are stored in the memory 81 and executed by the processor 80 to implement the present invention. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution of the computer program 82 in the terminal device 8. For example, the computer program 82 may be partitioned into a deployment module 401, a confirmation module 402, and a loan module 403. (modules in the virtual device), the specific functions of each module are as follows:
a deployment module 401, configured to enable a financing enterprise node to deploy a financing intelligent contract on a block chain, and a supply chain core enterprise guarantees and hashes the financing intelligent contract; the financing enterprise nodes include upstream enterprises and/or downstream enterprises of the supply chain core enterprise.
A confirmation module 402, configured to enable a financial institution node to perform Hash signature confirmation on the financing intelligent contract on the block chain according to the credit line granted by the financing enterprise node.
And the loan module 403 is configured to enable the financial institution node to issue a loan to the financing enterprise node in a Token transfer manner based on the financing intelligent contract, and perform Hash signature confirmation on issuance of the loan, so that the financing enterprise node receives the loan issued in the Token transfer manner, and performs Hash signature confirmation on reception of the loan.
The terminal device 8 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. Terminal device 8 may include, but is not limited to, a processor 80, a memory 81. Those skilled in the art will appreciate that fig. 8 is merely an example of a terminal device 8 and does not constitute a limitation of terminal device 8 and may include more or fewer components than shown, or some components may be combined, or different components, e.g., the terminal device may also include input-output devices, network access devices, buses, etc.
The Processor 80 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 81 may be an internal storage unit of the terminal device 8, such as a hard disk or a memory of the terminal device 8. The memory 81 may also be an external storage device of the terminal device 8, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) and the like provided on the terminal device 8. Further, the memory 81 may also include both an internal storage unit of the terminal device 8 and an external storage device. The memory 81 is used for storing the computer programs and other programs and data required by the terminal device 8. The memory 81 may also be used to temporarily store data that has been output or is to be output.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other ways. For example, the above-described embodiments of the apparatus/terminal device are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow of the method according to the embodiments of the present invention may also be implemented by a computer program, which may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the method embodiments may be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.
Claims (10)
1. A method for credit and financing, characterized by:
deploying a financing intelligent contract on a block chain by an upstream or downstream financing enterprise node of a supply chain core enterprise, and guaranteeing and carrying out Hash signature confirmation on the financing intelligent contract by the supply chain core enterprise; the financing enterprise node comprises the enterprise;
the financial institution node performs Hash signature confirmation on the financing intelligent contract on the block chain according to the credit line of the financing enterprise node;
and the financial institution node issues a loan to the financing enterprise node in a Token transfer mode based on the financing intelligent contract, and performs Hash signature confirmation on the issuance of the loan, so that the financing enterprise node receives the loan issued in the Token transfer mode and performs Hash signature confirmation on the reception of the loan.
2. The credit and financing method as claimed in claim 1, wherein before the financial institution node performs Hash signature confirmation on the financing intelligent contract according to the credit line granted by the financing enterprise node on the block chain, the method further comprises:
calculating the credit line of the financing enterprise node, and storing the credit line on the block chain comprises
Acquiring a qualitative credit granting index and a quantitative credit granting index of the financing enterprise node from a distributed database of the block chain; the qualitative credit granting indexes comprise enterprise qualification, prize obtaining conditions and enterprise ratings, and the quantitative credit granting indexes comprise net assets, current liability amount, liability remittance amount, external guarantee, owing tax amount, social insurance payment, transaction records and inventory conditions;
quantifying the qualitative credit-granting indicator;
carrying out standardization processing on the quantitative credit granting indexes and the quantified qualitative credit granting indexes;
calculating the weight of the quantitative credit granting index and the qualitative credit granting index after the standardization treatment;
based on the weight and the value of the quantitative credit granting index and the qualitative credit granting index after the standardization treatment, obtaining the credit investigation score of the financing enterprise node according to a formula (1):
Qi1＝∑jWjYij(1)
wherein Q isi1Credit investigation score of ith enterprise in the financing enterprise nodes; wjIs the weight of the jth credit granting index, YijTaking a value of a jth credit granting index of an ith enterprise in the financing enterprise nodes after standardization;
calculating the credit line Z of the financing enterprise node according to a formula (2) according to the credit investigation score of the financing enterprise node and the guarantee condition of the supply chain core enterprise on the intelligent financing contracti2：
Zi2＝Ki*Qi1*Qi2(2)
Wherein, KiFor the enterprise asset, Q, of the ith enterprise in the financing enterprise nodesi2A factor, Q, for consideration regarding the warranty of the financing intelligence contract by the supply chain core enterprisei2The value of (A) is determined by the qualifications of the supply chain core enterprise, Qi2Has a value range of [1, 1.2 ]]；
And storing the calculated credit line of the financing enterprise node on the block chain.
3. The credit and financing method according to claim 2, wherein the quantifying the qualitative credit indicator comprises:
the value of the enterprise qualification is 0 or 1, the value of the prize winning condition is 0 or 1, and the value of the enterprise rating is between 0 and 1;
the step of standardizing the quantitative credit granting indexes and the quantified qualitative credit granting indexes comprises the following steps:
if the credit granting index is a forward index, the value Y of the credit granting index which belongs to the forward index after standardization processing is takenijComprises the following steps:
wherein, XijTaking the value of the jth credit granting index of the ith enterprise in the financing enterprise nodes;
if the credit-granting index is a negative-direction index, the value Y of the credit-granting index which belongs to the negative-direction index after standardization processingijComprises the following steps:
wherein the positive indicators comprise net assets, debt liquidation amounts, external guarantees, social insurance payments, transaction records and inventory conditions in the qualitative credit indicators and the quantitative credit indicators; the negative indicators comprise the current liability amount and the owed tax amount in the quantitative credit granting indicators;
the calculating the weight of the quantitative credit granting index and the qualitative credit granting index after the standardization processing comprises: calculating the weight of the credit indicator of the weight to be calculated according to the proportion of the standard deviation of the credit indicator of the weight to be calculated in the sum of the standard deviations of all the credit indicators after standardization treatment:
wherein, WjIs the weight of the jth credit indicator, σjAnd the standard deviation of a data set formed by the values of the jth credit granting index of each enterprise in the financing enterprise nodes.
4. The credit and financing method as claimed in any one of claims 1 to 3, wherein the step of the financial institution node performing Hash signature confirmation on the intelligent financing contract on the block chain according to the credit line of the financing enterprise node comprises the following steps:
the financial institution node acquires the credit line of the financing enterprise node from the block chain, compares the credit line with the loan application line in the financing intelligent contract, and determines the smaller one of the credit line and the loan application line as the loan line of the financing intelligent contract;
and the financial institution node performs Hash signature confirmation on the financing intelligent contract with the determined loan amount.
5. The credit and financing method according to claim 1, wherein the financial institution node issues a loan to the financing enterprise node in a Token transfer manner based on the intelligent financing contract, performs Hash signature confirmation on the issuance of the loan so that the financing enterprise node receives the loan issued in the Token transfer manner, and further comprises, after performing Hash signature confirmation on the reception of the loan:
the supply chain core enterprise performs Hash signature confirmation on the completion of the sending and receiving of the loan;
after the loan is expired, the financing enterprise node repays the loan to the financial institution node in a Token transfer mode and carries out Hash signature on the repayment;
after the financial institution node receives the repayment, performing Hash signature confirmation on the receipt of the repayment;
and the supply chain core enterprise carries out Hash signature verification on the payment completion.
6. A credit and financing apparatus, comprising:
the deployment module is used for enabling the financing enterprise node to deploy the financing intelligent contract on the block chain, and the supply chain core enterprise guarantees the financing intelligent contract and carries out Hash signature; the financing enterprise node comprises an upstream enterprise and/or a downstream enterprise of the supply chain core enterprise;
the confirmation module is used for enabling the financial institution node to carry out Hash signature confirmation on the intelligent financing contract on the block chain according to the credit line of the financing enterprise node;
and the loan module is used for enabling the financial institution node to send a loan to the financing enterprise node in a Token transfer mode based on the financing intelligent contract, and performing Hash signature confirmation on the sending of the loan, so that the financing enterprise node receives the loan sent in the Token transfer mode, and performs Hash signature confirmation on the receiving of the loan.
7. The credit and financing device according to claim 6, further comprising:
the computing module is used for computing the credit line of the financing enterprise node before the financial institution node performs Hash signature confirmation on the financing intelligent contract according to the credit line of the financing enterprise node on the block chain, and storing the computed credit line of the financing enterprise node on the block chain;
the calculation module comprises:
the acquisition unit is used for acquiring the credit granting indexes of the financing enterprise nodes from the distributed database of the block chain; the credit granting indexes comprise qualitative credit granting indexes and quantitative credit granting indexes; the qualitative credit granting indexes comprise enterprise qualification, prize obtaining conditions and enterprise ratings, and the quantitative credit granting indexes comprise net assets, current liability amount, liability remittance amount, external guarantee, owing tax amount, social insurance payment, transaction records and inventory conditions;
the quantification unit is used for quantifying the qualitative credit granting indexes;
the standardization unit is used for carrying out standardization processing on the quantitative credit granting indexes and the quantified qualitative credit granting indexes;
the weighting unit is used for calculating the weights of the quantitative credit granting indexes and the qualitative credit granting indexes after the standardization processing;
and the credit investigation unit is used for obtaining credit investigation scores of the financing enterprise nodes according to a formula (1) based on the weight and the values of the quantitative credit granting indexes and the qualitative credit granting indexes after standardization treatment:
Qi1＝∑jWjYij(1)
wherein Q isi1Credit investigation score of ith enterprise in the financing enterprise nodes; wjIs the weight of the jth credit granting index, YijTaking a value of a jth credit granting index of an ith enterprise in the financing enterprise nodes after standardization;
and the credit granting unit is used for calculating the credit granting amount Z of the financing enterprise node according to a formula (2) according to the credit investigation score of the financing enterprise node and the guarantee condition of the supply chain core enterprise on the financing intelligent contracti2：
Zi2＝Ki*Qi1*Qi2(2)
Wherein, KiFor the enterprise asset, Q, of the ith enterprise in the financing enterprise nodesi2A factor, Q, for consideration regarding the warranty of the financing intelligence contract by the supply chain core enterprisei2The value of (A) is determined by the qualifications of the supply chain core enterprise, Qi2Has a value range of [1, 1.2 ]]；
And the storage unit is used for storing the calculated credit line of the financing enterprise node on the block chain.
8. A credit and financing device according to claim 6 or 7, characterized in that the confirmation module comprises:
the comparing unit is used for enabling a financial institution node to obtain the credit line of the financing enterprise node from the block chain, comparing the credit line with the loan application line in the financing intelligent contract, and determining the smaller one of the credit line and the loan application line as the loan line of the financing intelligent contract;
and the signature unit is used for enabling the financial institution node to carry out Hash signature confirmation on the financing intelligent contract with the determined loan amount.
9. A terminal device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the steps of the method according to any of claims 1-5 when executing the computer program.
10. A computer-readable medium, in which a computer program is stored which, when being processed and executed, carries out the steps of the method according to any one of claims 1 to 5.
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