CN111210342A - Method and storage medium for exporting credit of buyer based on block chain - Google Patents
Method and storage medium for exporting credit of buyer based on block chain Download PDFInfo
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- CN111210342A CN111210342A CN202010039766.6A CN202010039766A CN111210342A CN 111210342 A CN111210342 A CN 111210342A CN 202010039766 A CN202010039766 A CN 202010039766A CN 111210342 A CN111210342 A CN 111210342A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
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- 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
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Abstract
The invention discloses a block chain-based method for exporting credit of buyers and a computer-readable storage medium. The method utilizes the technical scheme of combining the block chain with the identity authentication and the intelligent contract, simplifies the transaction execution process, enables the whole process of exporting the credit of the buyer to be automatically carried out on the block chain, reduces the manpower expenditure and the resource waste, and improves the efficiency and the safety of the transaction. And moreover, by utilizing the block chain distributed account book technology, the problem of data sharing is solved, all participants can participate in accounting equally, a complete distributed database is maintained together, all data information is disclosed and transparent on the block chain, the trade fraud risk in the international financing trade process is solved, and the credit risk of importers is reduced to the maximum extent. In addition, the problem of document forgery is solved by using asymmetric encryption, a Hash algorithm and a digital signature technology, and meanwhile, the document verification efficiency is improved.
Description
Technical Field
The present invention relates to the technical field of exporting credit of buyers in international trade, and in particular, to a method for exporting credit of buyers based on a block chain and a computer-readable storage medium.
Background
As shown in fig. 1, the export buyer credit means that the country encourages preferential medium and long term loan to the government of the imported country, the bank or the importer by adopting ways of providing insurance, financing or interest subsidy and the like in order to support export of the products of the country, and is mainly used for the foreign importer to purchase complete equipment such as ships, airplanes, power stations, automobiles and other electromechanical products of the country. Depending on the loan type, the export buyer credit can be divided into the following two types: direct loan to the exporter buyer of the importer and loan to the exporter buyer of the bank at the location of the importer. The export buyer loan on the bank of the location of the importer is provided to the bank of the importer by the bank of the exporter, and then the bank of the importer provides the credit for the importer. The bank of the importer can return the loan to the bank of the exporter in sequence according to the installments of the original plan of the importer, or can be dealt with according to the repayment method agreed by the banks of the importer and the importer, and the debt between the importer and the bank of the importer is directly settled and settled at home by the two parties.
However, the existing export buyer credit method for loan to the bank at the importer's location has the following problems:
1. the operation risk is large: a large number of paper documents and contracts have the possibility of counterfeiting and are difficult to distinguish, and the traditional internal process is long and complicated and is easily influenced by external events and misoperation of individual participants.
2. The credit risk is large: the probability of a traditional business settlement default is relatively high, and the reliability of the rating is reduced due to the potential benefit conflict problem between the rating agency and the credit participation parties.
3. The efficiency is low: in the traditional credit process of the export buyer, a large number of paper documents are opened and verified, and the delivery process of the documents is usually carried out in a post delivery mode, so that the efficiency of trade activity is greatly reduced, and the waste of a large number of resources such as manpower and material resources is caused.
Disclosure of Invention
The invention provides a block chain-based method for exporting credit of buyers and a computer readable storage medium, which are used for solving the technical problems of high operation risk, high credit risk and low efficiency in the existing import collection mode of the exporting credit of the buyers.
According to one aspect of the invention there is provided a method of exporting credit to a buyer over a block chain, the loan being provided to a banking node at an importer's location, comprising the steps of:
step S1: the import merchant node and the export merchant node sign trade contracts and upload the trade contracts to the block chain;
step S2: after the import merchant node provides repayment guarantee, the bank node at the location of the export merchant transacts the credit of the export buyer for the export merchant node based on the request of the export merchant node, the bank node at the location of the export merchant signs a loan protocol with the bank node at the location of the import merchant and then uploads the loan protocol to the block chain, and the bank node at the location of the import merchant signs the loan protocol with the bank node at the location of the import merchant and then uploads the loan protocol to the block chain;
step S3: the export business node and the export side logistics node sign a freight contract on the block chain;
step S4: the export business node carries out goods export transportation activities, and relevant information of the goods export transportation process is uploaded to the block chain after being signed by the relevant node Hash;
step S5: the import business node carries out cargo import transportation activities, and relevant information of the cargo import transportation process is uploaded to the block chain after being subjected to Hash signature by the relevant nodes;
step S6: loan settlement activities are carried out based on the requests of the exporter nodes, and transfer records among all the nodes are uploaded to the block chain after being signed by Hash of the related nodes.
Further, the step S2 includes the following steps:
step S21: the import merchant node provides a repayment guarantee approved by the bank node where the export merchant is located, and the repayment guarantee is stored and recorded on the block chain;
step S22: the exporter node applies for export buyer credit to the bank node at the location of the exporter, deploys a credit application form on the block chain and carries out Hash signature;
step S23: after receiving the credit application form, the bank node at the location of the exporter notifies a third party credit accreditation organization node to apply for checking the credit condition of the exporter node;
step S24: the third-party credit worthiness institution node submits a request for investigating the industry and commerce, tax and social evaluation of the export business node to the Oracle node, the Oracle node returns an investigation report, the third-party credit worthiness institution node generates a credit worthiness condition table about the export business node according to the investigation report and a trade contract, and records the credit worthiness condition table on a block chain after Hash signature confirmation;
step S25: the bank node at the place of the exporter determines whether to approve the export buyer credit application or not according to the credit condition of the exporter node and the market condition of the trade goods, if so, a rejection notice to the exporter node is generated, and if so, the bank node records the notice on the block chain after carrying out Hash signature on the application table;
step S26: after the bank node at the location of the exporter and the insurance company node at the location of the exporter negotiate the insurance content offline, the insurance company node at the location of the exporter generates a policy, carries out Hash signature, sends the policy to the bank node at the location of the exporter and uploads the policy to the block chain, and after the bank node at the location of the exporter receives the policy and confirms that the policy content is correct, carries out Hash signature confirmation on the policy and uploads the policy to the block chain;
step S27: the method comprises the steps that a corresponding loan protocol is generated by a bank node at the site of an exporter, Hash signature is carried out on the corresponding loan protocol and then recorded on a block chain, the corresponding loan protocol is informed and sent to a bank node at the site of an importer in a cooperative relationship with the bank node, the bank node at the site of the importer carries out Hash signature confirmation after receiving the loan protocol for verification, a certificate is stored and recorded on the block chain, the loan protocol between the bank node at the site of the importer and the node of the importer is generated, Hash signature is carried out on the loan protocol and then sent to the node of the importer, and Has;
step S28: and after the importer node determines that the loan agreement is approved by the bank nodes at the locations of the two parties, prepaying money to the exporter node, and recording the transfer voucher on the block chain after Hash signature.
Further, the step S2 further includes the following steps:
after the bank node at the location of the exporter agrees to the credit application of the exporter node, the bank node at the location of the exporter submits an export buyer credit subsidy application to a government department node at the location of the exporter, and the government department node at the location of the exporter sends a notice after checking agreement and records the notice on a block chain after Hash signature;
after the bank node at the location of the exporter and the bank node at the location of the importer sign the loan agreement, the government department node at the location of the exporter issues subsidies to the bank node at the location of the exporter according to the loan agreement, and carries out Hash signature on the subsidy certification and then stores the subsidy certification and records the subsidy certification on the block chain.
Further, the step S1 includes the following steps:
step S11: after the import merchant node and the export merchant node are negotiated offline, the export merchant node encrypts and sends the abstract of the trade contract to the import merchant node by using the private key of the export merchant node after carrying out Hash signature on the trade contract, and records the encrypted abstract to the block chain;
step S12: the import merchant node verifies by using the public key of the export merchant node, determines that the trade contract is drawn by the export merchant node and the content of the trade contract is correct, performs Hash signature confirmation by using the private key of the import merchant node, and records the Hash signature confirmation on the block chain.
Further, the step S3 includes the following steps:
step S31: the exporter node determines that the loan agreement is approved by the bank nodes at the locations of the two parties and after confirming that the deposit is received, the exporter node deploys a freight contract on the block chain and carries out Hash signature and then sends the freight contract to the exporter logistics node;
step S32: and after the logistics node of the export party receives the freight contract, verifying and confirming that the contract is correct, confirming the order and performing Hash signature confirmation on the freight contract, and then recording the result on the block chain.
Further, the step S4 includes the following steps:
step S41: the export business node prepares goods, applies for business inspection from the export party quality inspection bureau node and records the business inspection on the block chain;
step S42: after the business inspection of the node of the outlet party quality inspection bureau is qualified, issuing a business inspection report, carrying out Hash signature, uploading the business inspection report to a block chain, and informing the outlet party node;
step S43: the export business node applies for issuing an enterprise allowed export certificate to the export side business office node, the export side business office node receives the application notice, issues the enterprise allowed export certificate after the application notice is verified to be qualified, performs Hash signature, and uploads the Hash signature to the block chain;
step S45: the export business node stores the complete customs declaration document and records the document on the block chain, applies for customs declaration to the export party customs node, opens a release notice after the export party customs node is successfully checked and checked on site, carries out Hash signature and uploads the notice to the block chain;
step S46: and the export party logistics node generates a bill of lading after receiving the goods, sends the bill of lading to the export party logistics node after Hash signature, stores the certificate and records the certificate on the block chain, and verifies the bill of lading and then confirms the bill of lading to be correct, and then confirms the Hash signature and records the bill of lading on the block chain.
Further, the step S4 further includes the following steps between the step S43 and the step S45:
step S44: the export business node and the export side insurance company node perform offline negotiation and then guarantee the goods, the export side insurance company node generates a policy and performs Hash signature, then sends the policy to the export business node and records the policy to the block chain, and the export business node performs verification and performs Hash signature confirmation after confirming that the policy content is correct, and then stores the policy and records the policy to the block chain.
Further, the step S5 includes the following steps:
step S51: the import business node applies for business inspection from the import party quality inspection bureau node, and the import party quality inspection bureau node issues a qualified certificate after inspecting goods and records the qualified certificate on the block chain after Hash signature;
step S52: the import business node applies for an enterprise allowed import certificate from the import side business office node, the import side business office node receives the request, issues the enterprise allowed import certificate after verification is qualified, performs Hash signature, and records the certificate on the block chain;
step S53: the importer node applies for customs clearance to the importer tax office node, the importer tax office node receives the request, transacts customs clearance for the importer node according to the confirmed document information and invoice information on the block chain, deducts the tax payment to be paid from the bank account of the importer node, issues the tax payment certificate, performs Hash signature and records the tax payment certificate on the block chain;
step S54: the import merchant node applies for on-site inspection to the import square sea joint point, the import square sea joint point is inspected on-site, and after the condition is confirmed to be met and the tax closing is paid, a release notice is issued, and a Hash signature is carried out on the release notice and recorded on the block chain;
step S55: and the exporter logistics node informs the importer logistics node, applies for placing goods in a warehouse of the importer logistics node, and after confirming that the commodity inspection certificate, the enterprise allowed import certificate, the paid tax certificate and the release notice are correct, the importer logistics node issues the allowed placement certificate, records the allowed placement certificate on a block chain after Hash signature and simultaneously informs the importer node.
Further, the step S6 includes the following steps:
step S61: the exporter node saves the complete set of documents under the residual credit of the buyer and records the documents to the block chain, and after the auditing of the importer bank node is finished, the importer bank node sends a notice to the importer node and records the notice to the block chain;
step S62: the bank node at the position of the exporter checks the receipt and determines that the receipt meets the requirement, the money is transferred to the bank node at the position of the importer, the transfer record is recorded on the block chain after being subjected to Hash signature, the bank node at the position of the importer receives the remittance, the remittance is credited to the importer node, and the transfer record is recorded on the block chain after being subjected to Hash signature;
step S63: the import merchant node pays the remaining amount of the goods to the export merchant node, and records the transfer record Hash signature on the block chain;
step S64: the bank node at the position of the importer repays the loan to the bank node at the position of the exporter by stages according to a loan agreement, records the transfer record on the block chain after Hash signature;
step S65: the debt between the importer node and the bank node at the location of the importer is settled domestically according to the content agreed by the two parties, and the transfer record is recorded on the block chain after being subjected to Hash signature.
The present invention also provides a computer readable storage medium for storing a computer program for blockchain-based outbound buyer credit, which when run on a computer performs the method for blockchain-based outbound buyer credit as described above.
The invention has the following beneficial effects:
the method for performing export buyer credit based on the block chain simplifies the transaction execution process by utilizing the technical scheme of combining the block chain with identity authentication and intelligent contracts, so that the whole export buyer credit process is automatically performed on the block chain, the manpower expenditure and the resource waste are reduced, and the transaction efficiency and the transaction safety are improved. And moreover, by utilizing the block chain distributed account book technology, the problem of data sharing is solved, all participants can participate in accounting equally, a complete distributed database is maintained together, all data information is disclosed and transparent on the block chain, the trade fraud risk in the international financing trade process is solved, and the credit risk of importers is reduced to the maximum extent. In addition, the problem of document forgery is solved by using asymmetric encryption, a Hash algorithm and a digital signature technology, and meanwhile, the document verification efficiency is improved.
In addition to the objects, features and advantages described above, other objects, features and advantages of the present invention are also provided. The present invention will be described in further detail below with reference to the drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, together with the description, serve to explain the invention and not to limit the invention. In the drawings:
fig. 1 is a schematic diagram illustrating a conventional business structure of an export buyer loan method for a bank at an importer's location.
FIG. 2 is a block chain network deployment diagram of a method for outbound buyer credit based on a block chain in accordance with a preferred embodiment of the present invention.
Fig. 3 is a business network diagram of a block chain-based method of conducting outbound buyer credit in accordance with a preferred embodiment of the present invention.
FIG. 4 is a flow diagram of a method for exporting credit to a buyer based on a blockchain in accordance with a preferred embodiment of the present invention.
Fig. 5 is a sub-flowchart of step S1 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 6 is a sub-flowchart of step S2 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 7 is a sub-flowchart of step S3 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 8 is a sub-flowchart of step S4 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 9 is a sub-flowchart of step S5 in fig. 4 according to the preferred embodiment of the present invention.
Fig. 10 is a sub-flowchart of step S6 in fig. 4 according to the preferred embodiment of the present invention.
Detailed Description
The embodiments of the invention will be described in detail below with reference to the accompanying drawings, but the invention can be embodied in many different forms, which are defined and covered by the following description.
For ease of understanding, the following explains the multi-party nodes involved in the blockchain network in the method of exporting credit to a buyer based on a blockchain, as shown in fig. 2 and 3.
1. Oracle node (prophetic machine): a platform for providing external information can allow the blockchain to be connected to any existing API, and information related to network nodes on the blockchain can be imported, stored and exported, so that dynamic acquisition of the information is realized.
2. And (4) an export business node: also known as a supplier or shipper, generally refers to a foreign trade company, manufacturing enterprise, or other entity that has the authority to handle export transactions.
3. Exit party quality control office node: and indicating a detection mechanism which is responsible for auditing whether the commodities meet the export requirement by the oral party.
4. And the node of the export side business bureau: the system refers to a working department of government governing market supervision and administrative law enforcement, and is mainly responsible for auditing whether an export enterprise has export rights and is in an operation state in the import and export trade business.
5. Exporter insurance company node: indicating a company orally providing insurance services for freight transportation and the like.
6. Export side customs node: customs, which points out the customs of the oral party, is responsible for auditing the inspection of the goods issuance pass and for collecting customs duty and other taxes.
7. Exit side logistics node: the system indicates that the oral side is at least engaged in one operation business of transportation (including transport agency and goods express delivery) or storage, can organize and manage basic functions of transportation, storage, loading and unloading, packaging, circulation processing, distribution and the like according to the logistics requirements of clients, has an information management system adaptive to the business of the oral side, and is an economic organization for independently accounting and independently bearing civil responsibility.
8. The bank node of the place of the exporter: the bank of the designated party is responsible for accepting the loan application of the exporter and issuing the loan for the bank of the importer after investigation, evaluation and declaration examination and approval.
9. Government department nodes at the exporter site: and (4) carrying out interest subsidy on the bank at the place of the export merchant.
10. Import merchant node: refers to a business or merchant engaged in import commerce. They purchase goods from foreign countries and then sell the goods to industrial and mining enterprises, wholesalers and retailers in the country; or processed or stored slightly and then transferred to other countries or regions.
11. The bank node of the import merchant location: and a bank referring to the entrance side, for making a loan agreement with the bank of the location of the exporter, and lending the agreement to the importer with the money borrowed from the bank of the location of the exporter, and then, an institution for repaying the loan to the bank of the location of the exporter by stages according to the loan agreement.
12. Import party quality inspection bureau node: and the entrance party is a detection mechanism for auditing whether the commodities meet the import requirements.
13. Import side business bureau node: the system refers to a working department of government competent market supervision and administrative law enforcement, and is mainly responsible for auditing whether an imported enterprise has the right of import and whether the imported enterprise is in an operation state in the import and export trade business.
14. Import side customs node: and the customs of the entrance party is responsible for auditing and checking the mechanism for issuing the pass of the goods.
15. An import side logistics node: the entrance side is at least engaged in one operation business of transportation (including transport agency and goods express delivery) or storage, can organize and manage basic functions of transportation, storage, loading and unloading, packaging, circulation processing, distribution and the like according to the logistics requirements of customers, has an information management system adaptive to the business of the entrance side, and is an economic organization for independently accounting and independently bearing civil responsibility.
16. Importer tax office node: the government organization in charge of tax charge refers to the department in this business where the importer is responsible for handling import tax payment.
17. A third party credit worthiness institution node: the system refers to a mediation legal person unit which is approved and established according to related laws and regulations, collects enterprise and personal credit information, provides enterprise and personal credit information inquiry, rating and inquiry services for enterprise and personal credit information users and operates independently.
As shown in fig. 4, the preferred embodiment of the present invention provides a method for exporting credit to a buyer based on a block chain, where the loan is provided to a bank node at an importer location, comprising the following steps:
step S1: the import merchant node and the export merchant node sign trade contracts and upload the trade contracts to the block chain;
step S2: after the import merchant node provides repayment guarantee, the bank node at the location of the export merchant transacts the credit of the export buyer for the export merchant node based on the request of the export merchant node, the bank node at the location of the export merchant signs a loan protocol with the bank node at the location of the import merchant and then uploads the loan protocol to the block chain, and the bank node at the location of the import merchant signs the loan protocol with the bank node at the location of the import merchant and then uploads the loan protocol to the block chain;
step S3: the export business node and the export side logistics node sign a freight contract on the block chain;
step S4: the export business node carries out goods export transportation activities, and relevant information of the goods export transportation process is uploaded to the block chain after being signed by the relevant node Hash;
step S5: the import business node carries out cargo import transportation activities, and relevant information of the cargo import transportation process is uploaded to the block chain after being subjected to Hash signature by the relevant nodes;
step S6: loan settlement activities are carried out based on the requests of the exporter nodes, and transfer records among all the nodes are uploaded to the block chain after being signed by Hash of the related nodes.
In this embodiment, the method for performing export credit based on the blockchain utilizes the technical scheme of combining the blockchain with the identity authentication and the intelligent contract, so that the process of executing the transaction is simplified, the whole process of exporting credit of the buyer is automatically performed on the blockchain, the manpower expenditure and the resource waste are reduced, and the efficiency and the safety of the transaction are improved. And moreover, by utilizing the block chain distributed account book technology, the problem of data sharing is solved, all participants can participate in accounting equally, a complete distributed database is maintained together, all data information is disclosed and transparent on the block chain, the trade fraud risk in the international financing trade process is solved, and the credit risk of importers is reduced to the maximum extent. In addition, the problem of document forgery is solved by using asymmetric encryption, a Hash algorithm and a digital signature technology, and meanwhile, the document verification efficiency is improved.
It can be understood that, as shown in fig. 6, the step S1 specifically includes the following steps:
step S11: after the import merchant node and the export merchant node are negotiated offline, the export merchant node encrypts and sends the abstract of the trade contract to the import merchant node by using the private key of the export merchant node after carrying out Hash signature on the trade contract, and records the encrypted abstract to the block chain;
step S12: the import merchant node verifies by using the public key of the export merchant node, determines that the trade contract is drawn by the export merchant node and the content of the trade contract is correct, performs Hash signature confirmation by using the private key of the import merchant node, and records the Hash signature confirmation on the block chain.
In the step S1, the trade contract is uploaded to the blockchain after being subjected to the common Hash signature of the exporter node and the importer node, and the signing process of the contract is performed on the blockchain, which accelerates the processing process, and the information disclosure is transparent, thereby preventing the contract from being tampered, and facilitating the effective supervision of other parties on the authenticity of the trade.
It can be understood that, as shown in fig. 6, the step S2 specifically includes the following steps:
step S21: the import merchant node provides a repayment guarantee approved by the bank node where the export merchant is located, and the repayment guarantee is stored and recorded on the block chain;
step S22: the exporter node applies for export buyer credit to the bank node at the location of the exporter, deploys a credit application form on the block chain and carries out Hash signature;
step S23: after receiving the credit application form, the bank node at the location of the exporter notifies a third party credit accreditation organization node to apply for checking the credit condition of the exporter node;
step S24: the third-party credit worthiness institution node submits a request for investigating the industry and commerce, tax and social evaluation of the export business node to the Oracle node, the Oracle node returns an investigation report, the third-party credit worthiness institution node generates a credit worthiness condition table about the export business node according to the investigation report and a trade contract, and records the credit worthiness condition table on a block chain after Hash signature confirmation;
step S25: the bank node at the place of the exporter determines whether to approve the export buyer credit application or not according to the credit condition of the exporter node and the market condition of the trade goods, if so, a rejection notice to the exporter node is generated, and if so, the bank node records the notice on the block chain after carrying out Hash signature on the application table;
step S26: after the bank node at the location of the exporter and the insurance company node at the location of the exporter negotiate the insurance content offline, the insurance company node at the location of the exporter generates a policy, carries out Hash signature, sends the policy to the bank node at the location of the exporter and uploads the policy to the block chain, and after the bank node at the location of the exporter receives the policy and confirms that the policy content is correct, carries out Hash signature confirmation on the policy and uploads the policy to the block chain;
step S27: the method comprises the steps that a corresponding loan protocol is generated by a bank node at the site of an exporter, Hash signature is carried out on the corresponding loan protocol and then recorded on a block chain, the corresponding loan protocol is informed and sent to a bank node at the site of an importer in a cooperative relationship with the bank node, the bank node at the site of the importer carries out Hash signature confirmation after receiving the loan protocol for verification, a certificate is stored and recorded on the block chain, the loan protocol between the bank node at the site of the importer and the node of the importer is generated, Hash signature is carried out on the loan protocol and then sent to the node of the importer, and Has;
step S28: and after the importer node determines that the loan agreement is approved by the bank nodes at the locations of the two parties, prepaying money to the exporter node, and recording the transfer voucher on the block chain after Hash signature.
It is understood that, as a preferable mode, the step S2 further includes the following steps:
after the bank node at the location of the exporter agrees to the credit application of the exporter node, the bank node at the location of the exporter submits an export buyer credit subsidy application to a government department node at the location of the exporter, and the government department node at the location of the exporter sends a notice after checking agreement and records the notice on a block chain after Hash signature;
after the bank node at the location of the exporter and the bank node at the location of the importer sign the loan agreement, the government department node at the location of the exporter issues subsidies to the bank node at the location of the exporter according to the loan agreement, and carries out Hash signature on the subsidy certification and then stores the subsidy certification and records the subsidy certification on the block chain.
In step S2, the process of handling the export buyer credit is automated on the block chain, which greatly improves the processing efficiency and security, and the bank node at the export location can accurately obtain information such as the tradesman, tax, social evaluation, etc. of the export node through the Oracle node, which is helpful for the bank node at the export location to accurately evaluate the credit condition of the export node, and reduces the financing risk of the bank node at the export location.
It can be understood that, as shown in fig. 7, the step S3 specifically includes the following steps:
step S31: after the exporter node determines that the loan agreement is approved by the bank nodes at the locations of the two parties and confirms that the deposit is received, the exporter node deploys a freight contract on the block chain, carries out Hash signature, sends the freight contract to the exporter logistics node, and rents a ship to the exporter logistics node for booking a cabin;
step S32: and after the logistics node of the export party receives the freight contract, verifying and confirming that the contract is correct, confirming the order and performing Hash signature confirmation on the freight contract, and then recording the result on the block chain.
In step S3, the freight contract is uploaded to the block chain after being signed and confirmed by both the exporter node and the exporter logistics node, so as to prevent the freight contract from being tampered and falsified, and facilitate the supervision of other parties.
It is understood that, as shown in fig. 8, the step S4 includes the following steps:
step S41: the export business node prepares goods, applies for business inspection from the export party quality inspection bureau node and records the business inspection on the block chain;
step S42: after the business inspection of the node of the outlet party quality inspection bureau is qualified, issuing a business inspection report, carrying out Hash signature, uploading the business inspection report to a block chain, and informing the outlet party node;
step S43: the export business node applies for issuing an enterprise allowed export certificate to the export side business office node, the export side business office node receives the application notice, issues the enterprise allowed export certificate after the application notice is verified to be qualified, performs Hash signature, and uploads the Hash signature to the block chain;
step S45: the export merchant node stores and records a complete set of customs declaration documents (including commercial invoices, packing documents and the like) on the block chain, applies for customs declaration to the export party customs node, opens a release notice after the export party customs node is successfully checked and checked on site, carries out Hash signature and uploads the notice to the block chain;
step S46: and the export party logistics node generates a bill of lading after receiving the goods, sends the bill of lading to the export party logistics node after Hash signature, stores the certificate and records the certificate on the block chain, and verifies the bill of lading and then confirms the bill of lading to be correct, and then confirms the Hash signature and records the bill of lading on the block chain.
It is understood that the step S4 further includes the following steps between the step S43 and the step S45:
step S44: the export business node and the export side insurance company node perform offline negotiation and then guarantee the goods, the export side insurance company node generates a policy and performs Hash signature, then sends the policy to the export business node and records the policy to the block chain, and the export business node performs verification and performs Hash signature confirmation after confirming that the policy content is correct, and then stores the policy and records the policy to the block chain.
In step S4, the information related to the export of the goods is signed by the relevant node and recorded on the block chain, so that other parties can effectively supervise the export circulation process of the goods.
It is understood that, as shown in fig. 9, the step S5 includes the following steps:
step S51: the import business node applies for business inspection from the import party quality inspection bureau node, and the import party quality inspection bureau node issues a qualified certificate after inspecting goods and records the qualified certificate on the block chain after Hash signature;
step S52: the import business node applies for an enterprise allowed import certificate from the import side business office node, the import side business office node receives the request, issues the enterprise allowed import certificate after verification is qualified, performs Hash signature, and records the certificate on the block chain;
step S53: the importer node applies for customs clearance to the importer tax office node, the importer tax office node receives the request, transacts customs clearance for the importer node according to the confirmed document information and invoice information on the block chain, deducts the tax payment to be paid from the bank account of the importer node, issues the tax payment certificate, performs Hash signature and records the tax payment certificate on the block chain;
step S54: the import merchant node applies for on-site inspection to the import square sea joint point, the import square sea joint point is inspected on-site, and after the condition is confirmed to be met and the tax closing is paid, a release notice is issued, and a Hash signature is carried out on the release notice and recorded on the block chain;
step S55: and the exporter logistics node informs the importer logistics node, applies for placing goods in a warehouse of the importer logistics node, and after confirming that the commodity inspection certificate, the enterprise allowed import certificate, the paid tax certificate and the release notice are correct, the importer logistics node issues the allowed placement certificate, records the allowed placement certificate on a block chain after Hash signature and simultaneously informs the importer node.
In step S5, the information related to the import of the goods is signed by the related node and recorded on the block chain, which is convenient for other parties to effectively supervise the import process of the goods, and prevents the situation that the import merchant node carries the goods and defaults to evade the goods privately.
It can be understood that, as shown in fig. 10, the step S6 specifically includes the following steps:
step S61: the exporter node stores and records the complete set of documents (including credit insurance fee invoices, management fee invoices, charge invoices and the like) under the residual buyer credit on the block chain, and sends a notice to the importer node and records the notice on the block chain after the importer bank node finishes the audit;
step S62: the bank node at the position of the exporter checks the receipt and determines that the receipt meets the requirement, the money is transferred to the bank node at the position of the importer, the transfer record is recorded on the block chain after being subjected to Hash signature, the bank node at the position of the importer receives the remittance, the remittance is credited to the importer node, and the transfer record is recorded on the block chain after being subjected to Hash signature;
step S63: the import merchant node pays the remaining amount of the goods to the export merchant node, and records the transfer record Hash signature on the block chain;
step S64: the bank node at the position of the importer repays the loan to the bank node at the position of the exporter by stages according to a loan agreement, records the transfer record on the block chain after Hash signature;
step S65: the debt between the importer node and the bank node at the location of the importer is settled domestically according to the content agreed by the two parties, and the transfer record is recorded on the block chain after being subjected to Hash signature.
In step S6, the exporter node needs to upload all documents to the block chain and enters the loan settlement stage after the documents are approved by the bank node at the location of the exporter, thereby preventing the possibility of the exporter node fraud, and uploading the transfer records between all nodes in the payment settlement stage to the block chain after the transfer records are confirmed by the signature of the relevant nodes, so that the information is public and transparent, and the subsequent follow-up management is facilitated.
It will be appreciated that the second embodiment of the invention also provides a computer readable storage medium for storing a computer program for blockchain-based outbound buyer credit, which when run on a computer performs the method for blockchain-based outbound buyer credit as described above.
The general form of computer readable media includes: floppy disk (floppy disk), flexible disk (flexible disk), hard disk, magnetic tape, any other magnetic medium, CD-ROM, any other optical medium, punch cards (punchcards), paper tape (paper tape), any other physical medium with patterns of holes, Random Access Memory (RAM), Programmable Read Only Memory (PROM), Erasable Programmable Read Only Memory (EPROM), FLASH erasable programmable read only memory (FLASH-EPROM), any other memory chip or cartridge, or any other medium from which a computer can read. The instructions may further be transmitted or received by a transmission medium. The term transmission medium may include any tangible or intangible medium that is operable to store, encode, or carry instructions for execution by the machine, and includes digital or analog communications signals or intangible medium that facilitates communication of the instructions. Transmission media include coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting computer data signals.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A method for exporting credit to a buyer over a block chain, wherein a loan is provided to a banking node at an importer's location,
the method comprises the following steps:
step S1: the import merchant node and the export merchant node sign trade contracts and upload the trade contracts to the block chain;
step S2: after the import merchant node provides repayment guarantee, the bank node at the location of the export merchant transacts the credit of the export buyer for the export merchant node based on the request of the export merchant node, the bank node at the location of the export merchant signs a loan protocol with the bank node at the location of the import merchant and then uploads the loan protocol to the block chain, and the bank node at the location of the import merchant signs the loan protocol with the bank node at the location of the import merchant and then uploads the loan protocol to the block chain;
step S3: the export business node and the export side logistics node sign a freight contract on the block chain;
step S4: the export business node carries out goods export transportation activities, and relevant information of the goods export transportation process is uploaded to the block chain after being signed by the relevant node Hash;
step S5: the import business node carries out cargo import transportation activities, and relevant information of the cargo import transportation process is uploaded to the block chain after being subjected to Hash signature by the relevant nodes;
step S6: loan settlement activities are carried out based on the requests of the exporter nodes, and transfer records among all the nodes are uploaded to the block chain after being signed by Hash of the related nodes.
2. The block chain based outbound buyer credit method of claim 1,
the step S2 includes the steps of:
step S21: the import merchant node provides a repayment guarantee approved by the bank node where the export merchant is located, and the repayment guarantee is stored and recorded on the block chain;
step S22: the exporter node applies for export buyer credit to the bank node at the location of the exporter, deploys a credit application form on the block chain and carries out Hash signature;
step S23: after receiving the credit application form, the bank node at the location of the exporter notifies a third party credit accreditation organization node to apply for checking the credit condition of the exporter node;
step S24: the third-party credit worthiness institution node submits a request for investigating the industry and commerce, tax and social evaluation of the export business node to the Oracle node, the Oracle node returns an investigation report, the third-party credit worthiness institution node generates a credit worthiness condition table about the export business node according to the investigation report and a trade contract, and records the credit worthiness condition table on a block chain after Hash signature confirmation;
step S25: the bank node at the place of the exporter determines whether to approve the export buyer credit application or not according to the credit condition of the exporter node and the market condition of the trade goods, if so, a rejection notice to the exporter node is generated, and if so, the bank node records the notice on the block chain after carrying out Hash signature on the application table;
step S26: after the bank node at the location of the exporter and the insurance company node at the location of the exporter negotiate the insurance content offline, the insurance company node at the location of the exporter generates a policy, carries out Hash signature, sends the policy to the bank node at the location of the exporter and uploads the policy to the block chain, and after the bank node at the location of the exporter receives the policy and confirms that the policy content is correct, carries out Hash signature confirmation on the policy and uploads the policy to the block chain;
step S27: the method comprises the steps that a corresponding loan protocol is generated by a bank node at the site of an exporter, Hash signature is carried out on the corresponding loan protocol and then recorded on a block chain, the corresponding loan protocol is informed and sent to a bank node at the site of an importer in a cooperative relationship with the bank node, the bank node at the site of the importer carries out Hash signature confirmation after receiving the loan protocol for verification, a certificate is stored and recorded on the block chain, the loan protocol between the bank node at the site of the importer and the node of the importer is generated, Hash signature is carried out on the loan protocol and then sent to the node of the importer, and Has;
step S28: and after the importer node determines that the loan agreement is approved by the bank nodes at the locations of the two parties, prepaying money to the exporter node, and recording the transfer voucher on the block chain after Hash signature.
3. The method for conducting export credit based on blockchain as claimed in claim 2 wherein,
the step S2 further includes the steps of:
after the bank node at the location of the exporter agrees to the credit application of the exporter node, the bank node at the location of the exporter submits an export buyer credit subsidy application to a government department node at the location of the exporter, and the government department node at the location of the exporter sends a notice after checking agreement and records the notice on a block chain after Hash signature;
after the bank node at the location of the exporter and the bank node at the location of the importer sign the loan agreement, the government department node at the location of the exporter issues subsidies to the bank node at the location of the exporter according to the loan agreement, and carries out Hash signature on the subsidy certification and then stores the subsidy certification and records the subsidy certification on the block chain.
4. The block chain based outbound buyer credit method of claim 1,
the step S1 includes the steps of:
step S11: after the import merchant node and the export merchant node are negotiated offline, the export merchant node encrypts and sends the abstract of the trade contract to the import merchant node by using the private key of the export merchant node after carrying out Hash signature on the trade contract, and records the encrypted abstract to the block chain;
step S12: the import merchant node verifies by using the public key of the export merchant node, determines that the trade contract is drawn by the export merchant node and the content of the trade contract is correct, performs Hash signature confirmation by using the private key of the import merchant node, and records the Hash signature confirmation on the block chain.
5. The method for conducting export credit based on blockchain as claimed in claim 2 wherein,
the step S3 includes the steps of:
step S31: the exporter node determines that the loan agreement is approved by the bank nodes at the locations of the two parties and after confirming that the deposit is received, the exporter node deploys a freight contract on the block chain and carries out Hash signature and then sends the freight contract to the exporter logistics node;
step S32: and after the logistics node of the export party receives the freight contract, verifying and confirming that the contract is correct, confirming the order and performing Hash signature confirmation on the freight contract, and then recording the result on the block chain.
6. The block chain based outbound buyer credit method of claim 1,
the step S4 includes the steps of:
step S41: the export business node prepares goods, applies for business inspection from the export party quality inspection bureau node and records the business inspection on the block chain;
step S42: after the business inspection of the node of the outlet party quality inspection bureau is qualified, issuing a business inspection report, carrying out Hash signature, uploading the business inspection report to a block chain, and informing the outlet party node;
step S43: the export business node applies for issuing an enterprise allowed export certificate to the export side business office node, the export side business office node receives the application notice, issues the enterprise allowed export certificate after the application notice is verified to be qualified, performs Hash signature, and uploads the Hash signature to the block chain;
step S45: the export business node stores the complete customs declaration document and records the document on the block chain, applies for customs declaration to the export party customs node, opens a release notice after the export party customs node is successfully checked and checked on site, carries out Hash signature and uploads the notice to the block chain;
step S46: and the export party logistics node generates a bill of lading after receiving the goods, sends the bill of lading to the export party logistics node after Hash signature, stores the certificate and records the certificate on the block chain, and verifies the bill of lading and then confirms the bill of lading to be correct, and then confirms the Hash signature and records the bill of lading on the block chain.
7. The block chain based outbound buyer credit method of claim 6,
the step S4 further includes the following steps between the step S43 and the step S45:
step S44: the export business node and the export side insurance company node perform offline negotiation and then guarantee the goods, the export side insurance company node generates a policy and performs Hash signature, then sends the policy to the export business node and records the policy to the block chain, and the export business node performs verification and performs Hash signature confirmation after confirming that the policy content is correct, and then stores the policy and records the policy to the block chain.
8. The block chain based outbound buyer credit method of claim 1,
the step S5 includes the steps of:
step S51: the import business node applies for business inspection from the import party quality inspection bureau node, and the import party quality inspection bureau node issues a qualified certificate after inspecting goods and records the qualified certificate on the block chain after Hash signature;
step S52: the import business node applies for an enterprise allowed import certificate from the import side business office node, the import side business office node receives the request, issues the enterprise allowed import certificate after verification is qualified, performs Hash signature, and records the certificate on the block chain;
step S53: the importer node applies for customs clearance to the importer tax office node, the importer tax office node receives the request, transacts customs clearance for the importer node according to the confirmed document information and invoice information on the block chain, deducts the tax payment to be paid from the bank account of the importer node, issues the tax payment certificate, performs Hash signature and records the tax payment certificate on the block chain;
step S54: the import merchant node applies for on-site inspection to the import square sea joint point, the import square sea joint point is inspected on-site, and after the condition is confirmed to be met and the tax closing is paid, a release notice is issued, and a Hash signature is carried out on the release notice and recorded on the block chain;
step S55: and the exporter logistics node informs the importer logistics node, applies for placing goods in a warehouse of the importer logistics node, and after confirming that the commodity inspection certificate, the enterprise allowed import certificate, the paid tax certificate and the release notice are correct, the importer logistics node issues the allowed placement certificate, records the allowed placement certificate on a block chain after Hash signature and simultaneously informs the importer node.
9. The block chain based outbound buyer credit method of claim 1,
the step S6 includes the steps of:
step S61: the exporter node saves the complete set of documents under the residual credit of the buyer and records the documents to the block chain, and after the auditing of the importer bank node is finished, the importer bank node sends a notice to the importer node and records the notice to the block chain;
step S62: the bank node at the position of the exporter checks the receipt and determines that the receipt meets the requirement, the money is transferred to the bank node at the position of the importer, the transfer record is recorded on the block chain after being subjected to Hash signature, the bank node at the position of the importer receives the remittance, the remittance is credited to the importer node, and the transfer record is recorded on the block chain after being subjected to Hash signature;
step S63: the import merchant node pays the remaining amount of the goods to the export merchant node, and records the transfer record Hash signature on the block chain;
step S64: the bank node at the position of the importer repays the loan to the bank node at the position of the exporter by stages according to a loan agreement, records the transfer record on the block chain after Hash signature;
step S65: the debt between the importer node and the bank node at the location of the importer is settled domestically according to the content agreed by the two parties, and the transfer record is recorded on the block chain after being subjected to Hash signature.
10. A computer-readable storage medium storing a computer program for block chain-based outbound buyer credit, the computer program when executed on a computer performing the method for block chain-based outbound buyer credit as claimed in any one of claims 1 to 9.
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