CN111222996A

CN111222996A - Method and storage medium for financing trade insurance based on block chain

Info

Publication number: CN111222996A
Application number: CN201911417217.1A
Authority: CN
Inventors: 马超群; 李丽杰; 周中定; 李信儒; 兰秋军; 姚铮
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2019-12-31
Filing date: 2019-12-31
Publication date: 2020-06-02
Anticipated expiration: 2039-12-31
Also published as: CN111222996B

Abstract

The invention discloses a method for financing trade risk based on a block chain and a computer-readable storage medium. The method makes full use of the block chain technology, so that the certificates, such as contracts, receipts and the like, of all business stages in the trade insurance financing process under the export credit insurance item can be quickly and accurately verified on the block chain, the efficiency of the whole process is improved, the time is saved, and the cost is reduced. And moreover, by applying a block chain technology, the authenticity and the non-falsification of data are guaranteed, the data is disclosed and transparent, the problem of information asymmetry among all participating main bodies in the whole trade financing process is effectively solved, the possibility of default and fraud of all participating main bodies is further reduced, the trust and risk problems of all links are solved, the rights and interests of all parties are guaranteed, all participating main bodies are difficult to fake, the behaviors of all participating main bodies can be monitored and regulated, the damage to own interests can be effectively avoided, and the smooth cooperation is promoted.

Description

Method and storage medium for financing trade insurance based on block chain

Technical Field

The present invention relates to the technical field of financing of trade insurance in international trade, and in particular, to a method for financing of trade insurance based on a block chain and a computer-readable storage medium.

Background

As shown in fig. 1, export credit insurance is a non-profitable policy insurance business which is established by the government to secure the remittance of the export enterprise in order to promote export trade in the country and to provide insurance risk fund by the national finance. The trade Insurance financing service under the Export Credit Insurance item is also called Short-term Export Credit Insurance trade financing service (Credit Loanker the Short-term Export and Credit Instrument), which means that after the Export enterprises guarantee the Short-term Export Credit Insurance and transfer the claim right and interest to the bank, the bank deducts interest and related expenses according to the nominal amount, the net amount is paid to the exporter first, and when loss in the Insurance responsibility range occurs, the Export Credit Insurance company pays the money which is paid to the seller according to the Insurance policy specification and the full amount directly to the financing bank according to the specification of the claim transfer protocol.

However, the existing trade insurance financing mode has the following risks, and effective risk supervision cannot be carried out:

1. fictitious trade background risk: in order to obtain trade financing, an exporter may choose a fictitious trade background, forge commercial invoices and bills, cheat bank financing by using a credit insurance mechanism, and cheat high tax refund price differences by matching false exports of goods under the condition of high export tax refund rate;

2. risk of tampering with the refund account: the exporter maliciously tampers with the refund route, so that the financing bank cannot monitor the refund condition of the account, and the financing self-compensation cannot be realized;

3. risk of exporter operations: export enterprises do not operate illegally without being approved by export certificates, clearance, licenses, etc., or do not fulfill insurance contractual obligations resulting in no contractual protection.

Disclosure of Invention

The invention provides a method for financing trade insurance based on a block chain and a computer readable storage medium, which are used for solving the technical problem that the existing trade insurance financing mode can not carry out effective risk supervision.

According to one aspect of the present invention, there is provided a method of financing trade insurance based on blockchain, wherein the financing of trade insurance is performed under export credit insurance, comprising the steps of:

step S1: the export business node deploys trade contracts on the block chain and carries out Hash signature, and the import business node confirms the contracts and then confirms the signatures;

step S2: the method comprises the steps that after an exporter node evaluates the credit worthiness of an exporter credit insurance company node, a short-term exporter credit insurance comprehensive insurance policy is deployed on a block chain, and Hash signature is carried out on the short-term exporter credit insurance comprehensive insurance policy and then sent to the exporter insurance company node, and after the exporter node evaluates the credit worthiness of the importer node, a short-message exporter credit insurance comprehensive insurance policy is deployed on the block chain, and Hash signature is carried out on the short-message exporter credit insurance comprehensive insurance policy and then sent;

step S3: the export credit insurance company node replies the short-term export credit comprehensive insurance buyer quota application table based on the request of the export company node, and records the result to the block chain after Hash signature;

step S4: after the financing bank node evaluates and confirms the credit worthiness of the exporter node, the exporter node deploys an claim equity transfer protocol on the blockchain, and the exporter node, the financing bank node and the exporter credit insurance company node carry out Hash signature confirmation;

step S5: the export business node carries out goods export transportation activities, and relevant information in the goods export transportation process is uploaded to the block chain after being subjected to Hash signature by the relevant nodes;

step S6: the financing bank node pays partial payment to the exporter node based on the request of the exporter node, and the transfer record is uploaded to the block chain;

step S7: after the export commodity flow node transports the goods to a port specified by the trade contract, the import commodity flow node conducts goods import transportation activities, and relevant information in the goods import transportation process is uploaded to the block chain after being subjected to Hash signature by the relevant nodes;

step S8: and after receiving the goods and confirming that the goods are correct, the importer nodes perform financing settlement activities, and the transfer records between the nodes of all parties are recorded on the block chain after being signed by Hash of the nodes of both parties.

Further, the step S2 includes the following steps:

step S21: the export merchant node deploys a entrusting contract for investigating the credit worthiness condition of the export credit insurance company node on the blockchain, encrypts the contract by using a private key of the export merchant node and sends the encrypted contract to the third party credit worthiness organization node;

step S22: the third party credit worthiness organization node verifies by using the public key of the exporter node, determines that the entrusting contract is formulated by the exporter node and the entrusting contract content is correct, and performs Hash signature confirmation by using the private key of the third party credit worthiness organization node and records the Hash signature confirmation on the block chain;

step S23: the third party credit worthiness organization node requests the Oracle node to call credit investigation data of the export credit insurance company node, and the Oracle node sends the credit investigation data of the export credit insurance company node to the third party credit worthiness organization node after receiving the application and records the credit investigation data on the block chain after carrying out Hash signature;

step S24: after receiving the credit investigation data of the export credit insurance company node, the third party credit accreditation organization node arranges the credit investigation table to generate a credit investigation table about the export credit insurance company node, confirms the Hash signature, sends the credit investigation table to the export company node and records the credit investigation table on a block chain;

step S25: after the exporter node confirms the credit worthiness of the export credit insurance company node, deploying a short-term export credit insurance comprehensive insurance policy on the blockchain, and sending the policy to the export credit insurance company node after carrying out Hash signature;

step S26: after receiving the insurance policy of the exporter node, the exporter credit insurance company node analyzes and generates a credit worthiness questionnaire of the importer node, performs Hash signature, sends the insurance policy to the exporter node and records the insurance policy on the block chain;

step S27: after the export business node confirms that no errors exist, the export credit insurance company node deploys a short-term export credit insurance comprehensive insurance policy on the block chain, records the policy on the block chain after Hash signature is carried out, and sends the policy to the export business node.

Further, the step S3 includes the following steps:

step S31: the export business node deploys a short-term export credit comprehensive insurance buyer credit limit application table on the block chain based on the insurance policy application range, and sends the short-term export credit comprehensive insurance buyer credit limit application table to the export credit insurance company node after carrying out Hash signature;

step S32: and the export credit insurance company node replies the short-term export credit comprehensive insurance buyer credit limit application table, and records the short-term export credit comprehensive insurance buyer credit limit application table on the block chain after Hash signature confirmation.

Further, the step S4 includes the following steps:

step S41: the export business node deploys a financing application on the block chain, and sends the financing application to the financing bank node after carrying out Hash signature;

step S42: after receiving the financing application of the exporter node, the financing bank node deploys a consignment contract for investigating the credit worthiness of the exporter node on the blockchain after examining the credit worthiness of the exporter insurance company node on the blockchain, encrypts the contract by using a private key of the financing bank node and sends the encrypted contract to a third party credit worthiness organization node;

step S43: the third party credit worthiness institution node verifies by using the public key of the financing bank node, determines that the entrusting contract is drawn up by the financing bank node and the entrusting contract content is correct, and performs Hash signature confirmation by using a private key and records the Hash signature on the block chain;

step S44: the third party credit worthiness organization node requests the Oracle node to call credit investigation data of the exporter node, the Oracle node sends the credit investigation data of the exporter node to the third party credit worthiness organization node after receiving the application, and records the credit investigation data on the block chain after carrying out Hash signature;

step S45: after receiving credit investigation data of the exporter node, the third party credit accreditation organization node arranges the credit investigation table to generate a credit accreditation questionnaire about the exporter node, sends the credit accreditation questionnaire to the financing bank node after carrying out Hash signature confirmation, and uploads the credit accreditation questionnaire to the block chain;

step S46: the financing bank node evaluates the credit worthiness condition of the exporter node, examines the related insurance document and determines whether financing is provided for the exporter node, if the financing bank node refuses the financing, a refusal notice is generated, and the record is recorded on the block chain after the Hash signature is carried out; if yes, continuously checking the financing amount of the export business node;

step S47: the exporter node deploys an claim right and benefit transfer protocol on the block chain, and the exporter node, the financing bank node and the exporter credit insurance company node respectively use private keys to carry out Hash signature confirmation and then record the results to the block chain.

Further, the step S5 includes the following steps:

step S51: after the export merchant node prepares the goods, an export contract, an export commercial invoice and a packing list are generated, Hash signature is carried out and then recorded on the block chain, the import merchant node is informed, and after the import merchant node checks that the goods are correct, Hash signature confirmation is carried out and the data are recorded on the block chain;

step S52: the exit business node applies for business inspection to the exit side business inspection bureau node, a commodity inspection application table is arranged on the block chain, the commodity inspection application table is sent to the exit side business inspection bureau node after Hash signature is carried out, and the exit side business inspection bureau node issues a commodity inspection qualified certificate and sends the commodity inspection qualified certificate to the exit side business bureau node after Hash signature is carried out after the commodity inspection is confirmed to be qualified, and the commodity inspection qualified certificate is recorded to the block chain;

step S53: the export business node applies for issuing an enterprise allowed export certificate to the export side industrial and business office node, the export side industrial and business office node verifies a policy and a business check report after receiving the application notice, issues the enterprise allowed export certificate, performs Hash signature, records the certificate on the block chain, and notifies the export business node;

step S54: the method comprises the following steps that after an exporter node and an exporter insurance company node negotiate on line, insurance is applied to goods, the exporter insurance company node generates a policy according to the quantity and quality of the goods, records the policy on a block chain after Hash signature is carried out, and sends the policy to the exporter node, and after the exporter node checks the policy, Hash signature confirmation is carried out;

step S55: the export business node deploys a consignment contract on the block chain, sends the consignment contract to the export party logistics node after Hash signature is carried out, and carries out Hash signature confirmation after the export party logistics node checks that the consignment contract is correct;

step S56: the logistics node of the export party generates a bill of lading after receiving the goods, records the bill of lading on the block chain after carrying out Hash signature and sends the bill of lading to the export business node, and the export business node carries out Hash signature confirmation after verifying that the bill of lading is correct;

step S57: the export side logistics node informs the export side nodes to apply customs clearance before shipping, the export side nodes deploy customs clearance application forms on the block chain after receiving the notice, send and give the export side customs nodes after Hash signature, the export side customs nodes examine and verify export contracts, export commercial invoices, packing forms, examination forms, insurance forms and bill extraction, and after the examination is successful, the Hash signature is confirmed on the customs clearance forms and the export side logistics node is informed;

step S58: the logistics node of the exit side starts transportation after receiving the notice, generates a transportation list, records the transportation list on the block chain after carrying out Hash signature, and notifies the exit business node;

step S59: and after receiving the notice, the exporter node checks the data on the block chain, then carries out Hash signature confirmation on the transportation list, applies for tax refund to the exporter tax administration node, audits the export bill of the exporter tax administration node, handles the export tax refund after confirming the validity, issues the tax refund certificate, carries out Hash signature and uploads the tax refund to the block chain.

Further, the step S6 includes the following steps:

step S61: the export merchant node pays insurance fee to the export credit insurance company node after delivery, and records the insurance fee invoice after Hash signature to the block chain;

step S62: the export credit insurance company node examines the related declaration material, issues a short-term export credit insurance underwriting condition notice after confirming no error, performs Hash signature, and uploads the notice to the block chain;

step S63: after the financing bank node verifies the invoice, the contract, the export customs declaration, the premium invoice and the short-term export credit insurance underwriting condition notice, a financing protocol is deployed on the block chain, the export node is notified after Hash signature is carried out, and after the export node receives the notice, Hash signature confirmation is carried out after the content of the financing protocol is confirmed to be correct;

step S64: the financing bank node remits part of the payment into an account of the exporter node according to the credit of the exporter node, the adopted settlement mode, the goods sales condition and the export credit insurance condition, the Oracle node records the transfer record of remittance from the financing bank node to the exporter node on a block chain after Hash signature, and the exporter node performs Hash signature confirmation after receiving the financing money.

Further, the step S7 includes the following steps:

step S71: after the logistics node of the export party transports the goods to the port specified by the trade contract, the arrival notice is generated, Hash signature is carried out on the arrival notice, and the arrival notice is sent to the business node of the import and recorded on the block chain;

step S72: after confirming that the information is correct, the import merchant node carries out Hash signature confirmation, and submits a merchant check application to the import merchant check office node, and after the import merchant check office node is qualified, a merchant check qualified certificate is deployed on the block chain and Hash signature is carried out;

step S73: 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, and writes the enterprise allowed import certificate into the block chain after Hash signature;

step S74: the importer node applies for customs clearance to the importer tax office node, after receiving the request, the importer tax office node 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 tax payment certificate and writes the tax payment certificate into the block chain after Hash signature;

step S75: the import merchant node applies for field inspection to the import square sea joint point, the import square sea joint point performs field inspection, and after confirming that each electronic goods bill of lading is in accordance with the real object and the tax is paid, a release notice is issued, and a Hash signature is carried out, and then the release notice is written into a block chain;

step S76: the exporter logistics node informs the importer logistics node, applies for placing the goods in the appointed place of the contract, after the importer logistics node confirms the commodity inspection qualified certificate, the enterprise allowed import certificate, the paid tax certificate and the release notice, the exporter logistics node is allowed to place the goods in the appointed place, the allowed placement certificate is issued, and the goods are written in the block chain after Hash signature is carried out;

step S77: after the importer node and the importer insurance company node negotiate the insurance content offline, the importer insurance company node generates a policy and sends the policy to the importer node after Hash signature, and uploads the policy to the block chain;

step S78: and the import merchant node receives the insurance policy, confirms that the insurance content is correct, performs Hash signature confirmation on the insurance policy and uploads the insurance policy to the block chain.

Further, the step S8 includes the following steps:

step S81: after receiving the goods confirmation, the import merchant node remits the goods money into the account of the export merchant node according to the time and settlement mode agreed on the trade contract, the Oracle node records the Hash signature of the transfer record remittance from the import merchant node to the export merchant node and then records the Hash signature on the block chain, and the export merchant node performs the Hash signature confirmation after receiving the goods money;

step S82: the export merchant node returns the financing information of the financing bank node after receiving the money, the Oracle node records the transfer record Hash signature sent by the export merchant node to the financing bank node and then to the block chain, and the financing bank node performs Hash signature confirmation after receiving the financing information;

step S83: if possible loss in the insurance policy responsibility range occurs, the export credit insurance company node pays the financing bank node according to the claim equity transfer protocol for returning the financing information of the export company node, the Oracle node records the transfer record sent from the export credit insurance company node to the financing bank node on the block chain after Hash signature, and the financing bank node carries out Hash signature confirmation after receiving the financing information.

Further, the step S1 includes the following steps:

step S11: after the export merchant node has good trade details with the import merchant node on line, deploying trade contracts on the block chain, encrypting the abstracts of the trade contracts by using a private key and sending the abstracts to the import merchant node;

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.

The present invention also provides a computer readable storage medium for storing a computer program for conducting trade risk financing based on a blockchain, wherein the computer program executes the method for conducting trade risk financing based on a blockchain as described above when the computer program runs on a computer.

The invention has the following beneficial effects:

the method for financing trade insurance based on the blockchain fully utilizes the distributed book technology, the asymmetric encryption technology, the intelligent contract technology, the Hash algorithm, the digital signature, the identity authentication and other technologies in the blockchain, so that the certificates, such as contracts, receipts and the like of each business stage in the trade insurance financing process under the export credit insurance item can be quickly and accurately verified on the blockchain, the efficiency of the whole process is improved, the time is saved, the cost is reduced, the financing process is simplified, and the rapid operation of transaction can be promoted. Moreover, by applying a block chain technology, the authenticity and the non-falsification of data are guaranteed, the data is disclosed and transparent, the problem of information asymmetry among all participating main bodies in the whole trade financing process, particularly, an exporter node, a financing bank node and an exporter credit insurance company node is effectively solved, further, the possibility of default and fraud of all participating main bodies is reduced, the trust and risk problems of all links such as the insurance of the exporter node, the financing bank node providing financing and the transaction of the importer and exporter are solved, the rights and interests of all parties are guaranteed, all participating main bodies are difficult to fake, the behaviors of all participating main bodies can be monitored and regulated, the damage to own interests can be effectively avoided, and the smooth proceeding of cooperation is promoted.

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 of a business structure of a conventional trade insurance financing method under an export credit insurance item.

Fig. 2 is a block chain network deployment diagram of a method for financing trade insurance based on block chains according to a preferred embodiment of the present invention.

Fig. 3 is a service network diagram of a method for financing trade insurance based on a block chain according to a preferred embodiment of the present invention.

Fig. 4 is a flow chart illustrating a method for financing trade insurance based on a block chain according to 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.

Fig. 11 is a sub-flowchart of step S7 in fig. 4 according to the preferred embodiment of the present invention.

Fig. 12 is a sub-flowchart of step S8 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, as shown in fig. 2 and 3, the following explains the multi-party nodes involved in the blockchain network in the method of trading risk financing based on blockchain.

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: the exporter is a party for applying short-term export credit insurance to an export credit insurance company, and in international trade, the exporter is usually a seller, applies the short-term export credit insurance to the export credit insurance company according to a trading contract, applies credit limit for a buyer, applies financing to a bank, signs an 'claim equity transfer agreement' with the insurance company and the financing bank, obtains financing, and returns bank financing information after goods are returned.

3. Export credit insurance company node: the policy insurance company for dealing with export credit insurance business provides export credit insurance service for export enterprises, and pays the loss to the exporter directly to the financing bank when the loss in the insurance range occurs.

4. Financing bank node: the financial bank provides short-term trade financing for exporters, and the financing bank (financial bank) manages financing for the exporters according to the credit of the exporters, the adopted trade settlement mode, the goods sales condition and the like.

5. Import merchant node: enterprises or businessmen engaged in import trade purchase commodities from abroad with own funds, and then sell the commodities to local enterprises or sell the commodities to other countries after being processed.

6. Exporter insurance company node: indicating a company orally providing insurance services for freight transportation and the like.

7. The exit side business inspection office node: and indicating a detection mechanism which is responsible for auditing whether the commodities meet the export requirement by the oral party.

8. 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.

9. 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.

10. 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.

11. Exporter tax office node: the government agency responsible for tax work is referred to herein as the agency that handles relevant tax matters for the exporter.

12. Importer insurance company node: the party at the entrance is a company that provides insurance services for freight transportation and the like.

13. Import side business inspection bureau node: and the entrance party is a detection mechanism for auditing whether the commodities meet the import requirements.

14. 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 import rights and is in an operation state in the import and export trade business.

15. 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.

16. 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.

17. Importer tax office node: the government agency responsible for tax work is the agency that handles the relevant tax matters for the importer.

18. 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 financing trade insurance based on block chain, wherein the financing of trade insurance is performed under export credit insurance, which specifically includes the following steps:

In this embodiment, the method for financing trade insurance based on the blockchain makes full use of the distributed book technology, the asymmetric encryption technology, the intelligent contract technology, the hash algorithm, the digital signature, the identity authentication and other technologies in the blockchain, so that the certificates, such as contracts, receipts and the like in each business stage in the trade insurance financing process under the export credit insurance item can be quickly and accurately verified on the blockchain, thereby improving the efficiency of the whole process, saving time, reducing cost, simplifying the financing process, and promoting quick operation of transactions. Moreover, by applying a block chain technology, the authenticity and the non-falsification of data are guaranteed, the data is disclosed and transparent, the problem of information asymmetry among all participating main bodies in the whole trade financing process, particularly, an exporter node, a financing bank node and an exporter credit insurance company node is effectively solved, further, the possibility of default and fraud of all participating main bodies is reduced, the trust and risk problems of all links such as the insurance of the exporter node, the financing bank node providing financing and the transaction of the importer and exporter are solved, the rights and interests of all parties are guaranteed, all participating main bodies are difficult to fake, the behaviors of all participating main bodies can be monitored and regulated, the damage to own interests can be effectively avoided, and the smooth proceeding of cooperation is promoted.

It can be understood that, as shown in fig. 5, the step S1 specifically includes the following steps:

In the step S1, the signing of the trade contract is performed on the blockchain, which can prevent the contract from being tampered with maliciously, and the information disclosure is transparent, so that other parties can effectively supervise the authenticity of the trade, and prevent the situation that the export node composes the trade.

It is understood that, as shown in fig. 6, the step S2 includes the following steps:

In the step S2, an intelligent contract technology is used, an insurance process is automatically performed on a block chain, processing efficiency is greatly improved, related data certificates are all electronized, malicious tampering can be effectively prevented, all data are published and transparent on the chain, supervision of nodes of other parties is facilitated, credit investigation conditions of an export credit insurance company node and an import company node are accurately evaluated through an Oracle node, accurate judgment of the related nodes is facilitated, and trade risks are reduced.

It can be understood that, as shown in fig. 7, the step S3 specifically includes the following steps:

In step S3, the buyer limit assessment process is performed on the blockchain, and the data is transparent and is prevented from being falsified.

It can be understood that, as shown in fig. 8, the step S4 specifically includes the following steps:

In the step S4, the trade insurance financing process is automatically performed on the block chain, the data is public and transparent, so that each party node can effectively supervise the trade insurance financing process, and the credit investigation condition of the export merchant node can be accurately evaluated through the Oracle node, thereby facilitating the accurate judgment of the financing bank node and reducing the financing risk of the financing bank node.

It can be understood that, as shown in fig. 9, the step S5 specifically includes the following steps:

In step S5, the information in the process of goods export circulation is signed by the relevant node and then uploaded to the block chain, and the whole process of goods export is public and transparent on the block chain, so that each party can effectively supervise the circulation process of goods, and prevent the export business node from performing illegal operations.

It is understood that, as shown in fig. 10, the step S6 includes the following steps:

In the step S6, the process of obtaining financing by the exporter node is performed on the block chain, the data is public and transparent, the data needs to be signed and confirmed by the relevant nodes, so as to ensure the authenticity of the financing process, and the transfer record is also signed and confirmed by the nodes of both parties and then recorded on the block chain, so as to facilitate subsequent investigation and prevent repudiation.

It is understood that, as shown in fig. 11, the step S7 includes the following steps:

In the step S7, the information in the process of import and circulation of the goods is signed by the relevant nodes and then uploaded to the block chain, and the whole process of import and circulation of the goods is public and transparent on the block chain, so that each party can conveniently and effectively supervise the process of circulation of the goods, and the condition that the import business node carries goods and loses confidence for personal escape is prevented.

It is understood that, as shown in fig. 12, the step S8 includes the following steps:

In step S8, the payment clearing process is performed on the blockchain, and the financing bank node can monitor the payment return condition of the exporter node account in real time, so as to prevent the exporter node from refusing to pay or delaying to pay the financing interest after receiving the payment, thereby reducing the financing risk of the financing bank node, and if the loss occurs in the insurance policy range, the payment process is also performed on the blockchain, so that the monitoring of each party node is facilitated.

It is to be understood that the second embodiment of the present invention also provides a computer-readable storage medium for storing a computer program for conducting trade risk financing based on blockchain, which when run on a computer performs the method for conducting trade risk financing based on blockchain 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

1. A method for financing trade insurance based on block chain, wherein the financing of trade insurance is performed under export credit insurance item,

the method comprises the following steps:

2. The method for block-chain based financing of trade insurance of claim 1,

the step S2 includes the steps of:

3. The method for block-chain based trading risk financing according to claim 2,

the step S3 includes the steps of:

4. The method for block-chain based trading risk financing according to claim 3,

the step S4 includes the steps of:

5. The method for block-chain based trading risk financing according to claim 4,

the step S5 includes the steps of:

6. The method for block-chain based trading risk financing according to claim 5,

the step S6 includes the steps of:

7. The method for block-chain based trading risk financing according to claim 6,

the step S7 includes the steps of:

8. The method for block-chain based trading risk financing according to claim 7,

the step S8 includes the steps of:

9. The method for block-chain based financing of trade insurance of claim 1,

the step S1 includes the steps of:

10. A computer-readable storage medium storing a computer program for conducting trade risk financing based on blockchain, wherein the computer program when executed on a computer performs the method for conducting trade risk financing based on blockchain as claimed in any one of claims 1 to 9.