CN111260459A - Method for packaged loan based on blockchain, computer-readable storage medium - Google Patents

Abstract

The invention discloses a block chain-based packaging loan method and a computer-readable storage medium. The method utilizes Oracle, cross-chain technology and an approval mechanism, solves the problems of inaccurate evaluation of credit status, deficient information source of exporters and difficult monitoring of trade circulation, and can prevent the importers from counterfeiting and maliciously falsifying the contract by applying a consensus mechanism and ensure fairness. Meanwhile, intelligent contracts are added, and predefined rules and terms are automatically executed. All information is uploaded to the block chain, so that the information traceability and the electronization of documents can be realized, the documents can not be tampered and counterfeited, the authenticity of various documents used in the business is ensured, the transmission speed is accelerated, and the problem that the use condition of loan data is difficult to monitor is solved. Meanwhile, the true and accurate signature in the business process of the receipt is realized by using asymmetric encryption, a Hash algorithm, a digital identity and a digital signature technology, the operation and management conditions of the exporter are monitored in real time, and the operation and management risks are solved to the greatest extent.

Description

Method for packaged loan based on blockchain, computer-readable storage medium

technical field

The invention relates to the technical field of packaged loans in import and export trade, in particular, to a method for packaged loans based on block chain, and a computer-readable storage medium.

Background technique

Packing loan refers to the special loan for the purchase, production and shipment of export goods under the L/C that the exporter applies to the bank for the issuance of the original L/C as the beneficiary when exporting goods by L/C settlement. loan. The source of repayment for the packaged loan is the export receipts under the letter of credit, which is a short-term trade financing before the goods are shipped.

However, the existing packaged loan methods cannot effectively supervise the following risks:

1. The risks of importers, the potential risks caused by the poor reputation and performance of foreign importers, some unscrupulous importers use the lack of exporter information to set up soft clauses and other obstacles in foreign trade contracts, such as buyer inspection clauses and delivery of goods Check the terms, so that the exporter cannot control the property rights or is in a passive position in the transaction. Once the market situation is not conducive to their own interests, they will find various reasons for refusing to pay. If the exporter fails to meet the terms of the letter of credit or fails to perform the contract at all, the letter of credit at this time is worthless, and the repayment of the packaged loan cannot be guaranteed.

2. Operation and management risks. If the domestic exporter organizes the supply of goods due to poor management, there are substantive problems such as substandard quality, and the quality does not match the description of the goods in the letter of credit, which often makes the final shipment date of the goods later than the latest shipment date stipulated by the LC (Letter of Credit). , it may make the company unable to pass the inspection of the quality inspection agency and difficult to submit the documents consistent with the letter of credit, resulting in the importer and the issuing bank refusing to pay, and the collection of foreign exchange is not guaranteed.

3. Risk of deliberate misappropriation. The packaged loan is used for the domestic purchase, material preparation, production and shipment of the exporter. It should be ensured that the loan is dedicated. After the loan is issued, the purpose of the loan should be tracked and checked to see whether the loan is used for the export of goods under the letter of credit. Procurement, production, whether the document fails to deliver when the validity period of the L/C has expired.

4. The risk of the issuing bank. If the credit status of the issuing bank is poor, there is a shortage of foreign exchange in the country and region where it is located, and a political crisis and an economic crisis break out, the potential risk of issuing packaged loans is great.

SUMMARY OF THE INVENTION

The present invention provides a method and a computer-readable storage medium for packaged loans based on blockchain, so as to solve the technical problem that the above-mentioned risks cannot be effectively supervised in the existing packaged loans.

According to one aspect of the present invention, a method for packaged loans based on blockchain is provided, comprising the following steps:

Step S1: The importer node and the exporter node sign a trade contract on the blockchain, and agree to use a letter of credit for settlement;

Step S2: based on the request of the importer node, the issuing bank node evaluates the credit status of the importer node and issues a letter of credit for it;

Step S3: Based on the request of the exporter node, the packaged loan bank node provides packaged loan financing for the exporter node after evaluating the credit status of the exporter node, and uploads the transfer record Hash signature to the blockchain;

Step S4: The exporter node deploys the raw material application list on the blockchain and performs Hash signature. After receiving the raw material application list, the supplier node transfers the raw materials and processed products to the exporter node, and generates a supply list for Hash signature. upload to the blockchain;

Step S5: After receiving the raw materials, processed products and related documents, the exporter node carries out the export of goods and transportation activities, and the information in the process of export and transportation of goods is uploaded to the blockchain after being signed by the relevant node Hash;

Step S6: The exporter node signs the bill and the bill transfer agreement Hash and uploads it to the blockchain, and transfers it to the issuing bank node;

Step S7: The exporter node deploys the bill of lading on the blockchain and signs it with Hash before handing it over to the importer node. The importer node carries out the import and transportation of goods based on the bill of lading, and the information in the process of import and transportation of goods is hashed by the relevant node. After signing, upload to the blockchain;

Step S8: After the acceptance date is reached, the payment clearing activity is carried out, and the transfer record in the payment clearing process is uploaded to the blockchain after being signed by the relevant node Hash.

Further, the step S1 includes the following steps:

Step S11: The importer node deploys the trade contract on the blockchain, agrees to use the letter of credit for settlement, and uses the private key Hash to sign and upload it to the blockchain;

Step S12: The exporter node uses the public key of the importer node to verify, and after confirming that the trade contract is drawn up by the importer node and confirming that the trade contract is correct, confirm the trade contract with the private key Hash signature and record it in the block chain.

Further, the step S2 includes the following steps:

Step S21: The importer node fills in the issuance application form on the blockchain based on the requirements of the trade contract, and signs it with the private key Hash;

Step S22: After the issuing bank node receives the issuance application on the blockchain, it applies to the Oracle node to check the credit status of the importer node and the authenticity of the issuance application;

Step S23: After receiving the application, the Oracle node extracts the credit information of the importer node and verifies the authenticity of the issuance application, generates a report, signs it with the private key Hash, sends it to the issuing bank node, and uploads it to the blockchain;

Step S24: The issuing bank node uses the public key of the Oracle node to verify, and after confirming that the report is issued by the Oracle node and confirming that the credit status of the importer node meets the requirements, use the private key on the issuance application deployed by the importer node. The key Hash signature is confirmed and recorded on the blockchain;

Step S25: The issuing bank node issues a letter of credit according to the requirements in the issuance application, signs it with a private key Hash, and sends it to the export notification bank node, and uploads it to the blockchain;

Step S26: After receiving the letter of credit, the advising bank node at the exporting place performs Hash signature confirmation, and at the same time, the letter of credit is signed with the private key Hash and sent to the exporter node, and uploaded to the blockchain;

Step S27: The exporter node confirms the Hash signature after receiving the L/C confirmation, and at the same time, the exporter node will upload the original L/C with the private key as the beneficiary Hash signature and upload it to the blockchain.

Further, the step S3 includes the following steps:

Step S31: The exporter node deploys the packaged loan application on the blockchain and signs it with a private key Hash, and applies to the packaged loan bank node for packaged loan financing;

Step S32: The packaged loan bank node receives the original letter of credit on the blockchain and confirms it with Hash signature. After receiving the packaged loan application, it applies to the Oracle node to check the credit status, trade contract, and letter of credit terms of the exporter node. and verify the authenticity of the packaged loan application;

Step S33: After receiving the application, the Oracle node extracts the credit status, trade contract, and L/C terms of the exporter node and verifies the authenticity of the packaged loan application, generates a report, signs it with the private key Hash, and sends it to the packaged loan bank node, and uploads it onto the blockchain;

Step S34: After the packaged loan bank node verifies the authenticity of the report, it decides whether to provide packaged loans for the exporter node. If it is rejected, a rejection notice is generated, signed with the private key Hash, and sent to the exporter node, and uploaded to the blockchain; if agreed , then use the private key Hash signature to confirm on the packaged loan application deployed by the exporter node;

Step S35: The packaged loan bank node provides a certain amount of local currency or foreign currency packaged loan to the exporter node, and uploads the transfer record Hash signature to the blockchain.

Further, the step S4 includes the following steps:

Step S41: After the exporter node receives the transfer and remittance from the packaged loan bank node, it confirms the Hash signature on the transfer record. At the same time, the exporter node generates a raw material application list, signs it with the private key Hash, and uploads it to the blockchain, and sends it to the blockchain. The supplier node transfers and remittances to pay for raw materials and processing costs, and uploads the transfer record to the blockchain after Hash signature;

Step S42: After receiving the raw material application list on the blockchain, the supplier node performs Hash signature confirmation on the raw material application list. At the same time, the supplier node signs the raw material document and the processed product document with the private key Hash and uploads it to On the blockchain, it will be handed over to the exporter node, the raw materials and processed products will be handed over to the exporter node, and a supply order will be generated, signed with the private key Hash, sent to the exporter node and uploaded to the blockchain, and received at the same time. After the transfer and remittance of the exporter node is received, the Hash signature is confirmed on the transfer record.

Further, the step S5 includes the following steps:

Step S51: The exporter node receives the raw materials, processed products and related documents and confirms that the Hash signature on the supply list is correct. At the same time, the exporter node prepares and ships the goods, deploys the freight contract on the blockchain, and signs it with the private key Hash. to the exporter's carrier node;

Step S52: After confirming that the contract is correct and confirming receipt of the order, the exporter's carrier node confirms it with a private key Hash signature on the freight contract, and records it on the blockchain;

Step S53: The exporter node prepares the goods, applies for commodity inspection to the exporter’s commodity inspection bureau node, deploys the export inspection application form on the blockchain and signs it with a private key Hash, and issues a commodity inspection certificate after the exporter’s commodity inspection bureau node passes the commodity inspection and hashes it with the private key After signing, upload it to the blockchain and notify the exporter node;

Step S54: The exporter node signs the export goods declaration form with private key Hash and uploads it to the blockchain, and applies for customs declaration to the exporter's customs node. After the on-site inspection is successful, the exporter's customs node issues a release notice and performs Hash signature Then upload it to the blockchain;

Step S55: The exporter node transfers the goods and related documents to the exporter's carrier node, and generates a handover notice with a private key Hash signature and uploads it to the blockchain;

Step S56: The exporter's carrier node receives the goods and the relevant documents and confirms the Hash signature after confirmation. At the same time, the exporter's carrier node generates a bill of lading, signs it with a private key Hash, and sends it to the exporter's node, and uploads it to the blockchain superior.

Further, the step S6 includes the following steps:

Step S61: The exporter node signs the bill and the bill transfer agreement with the private key Hash and uploads it to the blockchain, submits and transfers it to the package loan bank node;

Step S62: The package loan bank node examines the bill submitted by the exporter node, confirms that it is correct, and confirms it with a hash signature on the bill transfer agreement, and then uploads the bill and the bill transfer agreement to the blockchain after Hash signature with the private key, and submits And transfer it to the issuing bank node;

Step S63: After the issuing bank node receives the bill and the bill transfer agreement of the packaged loan bank node and reviews it, it signs and confirms the bill transfer agreement with Hash, and records it on the blockchain.

Further, the step S7 includes the following steps:

Step S71: The exporter node deploys the consignee information on the bill of lading, signs it with the private key Hash, and submits it to the importer node and uploads it to the blockchain;

Step S72: The importer node obtains the bill of lading signed by the exporter node, and after picking up the goods, Hash signature on the bill of lading for confirmation, and submits an import inspection application to the importer's commodity inspection bureau node, which is issued after the importer's commodity inspection bureau node passes the inspection of the goods. The commodity inspection certificate is signed with the private key Hash and uploaded to the blockchain;

Step S73: The importer node submits the import goods declaration form to the importer's customs node, and uploads it to the blockchain after signing it with a private key Hash. After the importer's customs node passes the verification and verification, it issues a release notice and tax bill, and performs the hash signature. upload to the blockchain;

Step S74: After the importer node successfully receives the goods, it generates a receipt notice and sends it to the issuing bank node, signs it with the private key Hash, and uploads it to the blockchain.

Further, the step S8 includes the following steps:

Step S81: After receiving the receipt notice, the issuing bank node confirms it with the private key Hash signature, pays the package loan bank node when the acceptance date arrives, and uploads the Hash signature of the transfer record to the blockchain;

Step S82: After the packaged loan bank node receives the transfer and remittance from the issuing bank node and confirms that the issuing bank node has paid all the purchase price, it confirms the Hash signature on the transfer voucher and records it on the blockchain, and deducts the principal and interest of the packaged loan. Send money to the exporter node, and upload the transfer record to the blockchain after Hash signature;

Step S83: After confirming that the remittance has been received, the exporter node confirms the transfer certificate with the private key Hash signature, and records it on the blockchain.

The present invention also provides a computer-readable storage medium for storing a computer program for packaged loan based on blockchain, the computer program executing the above-mentioned method for packaged loan based on blockchain when running on a computer .

The present invention has the following beneficial effects:

The method for packaged loans based on the block chain of the present invention uses Oracle, cross-chain technology and approval mechanism to solve the problems of inaccurate credit status evaluation, lack of exporter information sources, and difficult monitoring of trade circulation, and the use of consensus mechanism can prevent imports. Businesses forgery and maliciously tamper with contracts to ensure fairness. At the same time, smart contracts are added to automate the execution of pre-defined rules and terms. All information is uploaded to the blockchain, which can realize information traceability and electronic documents, which cannot be tampered with and cannot be forged. question. At the same time, asymmetric encryption, Hash algorithm, digital identity and digital signature technology are used to realize the authenticity and accuracy of signatures in the business process of documents, monitor the operation and management status of exporters in real time, and solve operation and management risks to the greatest extent. The packaged loan under the traditional model has potential risks caused by the poor reputation and performance of foreign importers, the risk of poor operation and management of domestic exporters, the risk of deliberate misappropriation of packaged loans and the risk of poor credit status of the issuing bank. The main reason is that different entities keep their own information, and there is a serious lack of transparency, resulting in high time and money costs. Once there is a problem (false claim, counterfeit goods, etc.), it is difficult to trace and deal with it. The transaction information of all participants is now All on the chain, making the entire transaction process transparent, easy to supervise, and easy to measure risks systematically, and deepen the degree of trust between participating entities.

In addition to the objects, features and advantages described above, the present invention has other objects, features and advantages. The present invention will be described in further detail below with reference to the drawings.

Description of drawings

The accompanying drawings constituting a part of the present application are used to provide further understanding of the present invention, and the exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the attached image:

FIG. 1 is a schematic diagram of the blockchain network deployment of the blockchain-based method for packaged loans based on the blockchain according to the preferred embodiment of the present invention.

FIG. 2 is a schematic diagram of a business network of a method for packaged loans based on a block chain based on a block chain according to a preferred embodiment of the present invention.

FIG. 3 is a schematic flowchart of a method for packaged loans based on a blockchain based on a blockchain according to a preferred embodiment of the present invention.

FIG. 4 is a schematic sub-flow diagram of step S1 in FIG. 3 according to a preferred embodiment of the present invention.

FIG. 5 is a schematic sub-flow diagram of step S2 in FIG. 3 according to a preferred embodiment of the present invention.

FIG. 6 is a schematic sub-flow diagram of step S3 in FIG. 3 according to a preferred embodiment of the present invention.

FIG. 7 is a schematic sub-flow diagram of step S4 in FIG. 3 according to the preferred embodiment of the present invention.

FIG. 8 is a schematic sub-flow diagram of step S5 in FIG. 3 according to the preferred embodiment of the present invention.

FIG. 9 is a schematic sub-flow diagram of step S6 in FIG. 3 according to the preferred embodiment of the present invention.

FIG. 10 is a schematic sub-flow diagram of step S7 in FIG. 3 according to the preferred embodiment of the present invention.

FIG. 11 is a schematic sub-flow diagram of step S8 in FIG. 3 according to the preferred embodiment of the present invention.

Detailed ways

The embodiments of the present invention will be described in detail below with reference to the accompanying drawings, but the present invention can be implemented in many different ways as defined and covered below.

For ease of understanding, as shown in Figures 1 and 2, the following explains the multi-party nodes involved in the blockchain network in the method for packaged loans based on the blockchain.

1. Oracle node: a platform that provides external information, allows the blockchain to connect to any existing API, and can import, store, and export information about network nodes on the blockchain to achieve dynamic acquisition of information.

2. Importer node: refers to enterprises or businessmen engaged in import trade. They purchase goods from abroad and then sell them to industrial and mining enterprises, wholesalers, and retailers in the country where they are located; or after processing or storing for a while, they are re-exported to other countries Country or region sales.

3. Exporter node: refers to the foreign trade company that has the right to handle export business.

4. Issuing bank node: refers to the bank that accepts the requirements and instructions of the issuing applicant (usually the buyer of the trade contract, the importer of the goods) or opens the letter of credit according to its own needs. The issuing bank is generally the bank where the importer is located, and is responsible for the obligations under the letter of credit in its own name.

5. Packaged loan bank node: refers to the bank that provides packaged loan business for exporters, usually the bank where the exporter is located.

6. The node of the advising bank at the exporting place: refers to the bank that examines the letter of credit and informs the beneficiary of the letter of credit, usually the bank where the exporter is located.

7. Supplier node: refers to an economic organization that provides raw materials, product processing and other services for exporters, has an information management system suitable for its own business, implements independent accounting, and independently assumes civil liability.

8. The exporter's carrier node: refers to at least one business operation of transportation (including transportation agency, cargo express) or warehousing, and can perform basic functions such as transportation, storage, loading and unloading, packaging, circulation processing, and distribution according to customer logistics needs. Organization and management, an economic organization that has an information management system suitable for its own business, implements independent accounting, and independently assumes civil responsibilities.

9. The customs node of the exporting party: refers to the national administrative organ in which the customs of the exporting party exercises the powers of import and export supervision and management in accordance with the laws and administrative regulations of the country (or region). It is used to verify the authenticity of the goods, including the type, quantity and tax (import duties and export tax rebates, value-added tax invoices), etc., and is responsible for reviewing and inspecting the issuance of passes for goods.

10. Importer's customs node: refers to the importer's customs, which is responsible for reviewing and inspecting the goods issued by the pass.

11. The node of the importer's commodity inspection bureau: refers to the testing agency responsible for the importer to check whether the goods meet the import requirements.

12. Node of the Exporter's Commodity Inspection Bureau: It refers to the testing agency that the exporter is responsible for verifying whether the goods meet the export requirements.

As shown in Figure 3, a preferred embodiment of the present invention provides a method for packaged loans based on blockchain, including the following steps:

Step S1: The importer node and the exporter node sign a trade contract on the blockchain, and agree to use a letter of credit for settlement;

Step S2: based on the request of the importer node, the issuing bank node evaluates the credit status of the importer node and issues a letter of credit for it;

Step S3: Based on the request of the exporter node, the packaged loan bank node provides packaged loan financing for the exporter node after evaluating the credit status of the exporter node, and uploads the transfer record Hash signature to the blockchain;

Step S4: The exporter node deploys the raw material application list on the blockchain and performs Hash signature. After receiving the raw material application list, the supplier node transfers the raw materials and processed products to the exporter node, and generates a supply list for Hash signature. upload to the blockchain;

Step S5: After receiving the raw materials, processed products and related documents, the exporter node carries out the export of goods and transportation activities, and the information in the process of export and transportation of goods is uploaded to the blockchain after being signed by the relevant node Hash;

Step S6: The exporter node signs the bill and the bill transfer agreement Hash and uploads it to the blockchain, and transfers it to the issuing bank node;

Step S7: The exporter node deploys the bill of lading on the blockchain and signs it with Hash before handing it over to the importer node. The importer node carries out the import and transportation of goods based on the bill of lading, and the information in the process of import and transportation of goods is hashed by the relevant node. After signing, upload to the blockchain;

Step S8: After the acceptance date is reached, the payment clearing activity is carried out, and the transfer record in the payment clearing process is uploaded to the blockchain after being signed by the relevant node Hash.

In this embodiment, the method for packaged loans based on blockchain uses Oracle, cross-chain technology and approval mechanism to solve the problems of inaccurate credit status evaluation, lack of exporter information sources, and difficult monitoring of trade flows. The consensus mechanism can prevent importers from falsifying and maliciously tampering with contracts and ensure fairness. At the same time, smart contracts are added to automate the execution of pre-defined rules and terms. All information is uploaded to the blockchain, which can realize information traceability and electronic documents, which cannot be tampered with and cannot be forged. question. At the same time, asymmetric encryption, Hash algorithm, digital identity and digital signature technology are used to realize the authenticity and accuracy of signatures in the business process of documents, monitor the operation and management status of exporters in real time, and solve operation and management risks to the greatest extent. The packaged loan under the traditional model has potential risks caused by the poor reputation and performance of foreign importers, the risk of poor operation and management of domestic exporters, the risk of deliberate misappropriation of packaged loans and the risk of poor credit status of the issuing bank. The main reason is that different entities keep their own information, and there is a serious lack of transparency, resulting in high time and money costs. Once there is a problem (false claim, counterfeit goods, etc.), it is difficult to trace and deal with it. The transaction information of all participants is now All on the chain, making the entire transaction process transparent, easy to supervise, and easy to measure risks systematically, and deepen the degree of trust between participating entities.

It can be understood that, as shown in FIG. 4 , the step S1 includes the following steps:

Step S11: The importer node deploys the trade contract on the blockchain, agrees to use the letter of credit for settlement, and uses the private key Hash to sign and upload it to the blockchain;

Step S12: The exporter node uses the public key of the importer node to verify, and after confirming that the trade contract is drawn up by the importer node and confirming that the trade contract is correct, confirm the trade contract with the private key Hash signature and record it in the block chain.

In the step S1, the signing of the trade contract is carried out on the blockchain, which can prevent the contract from being maliciously tampered with, and the information is open and transparent, which facilitates the effective supervision of the authenticity of the trade by other parties' nodes, and also prevents the occurrence of importer nodes. A case of deliberately setting soft terms.

It can be understood that, as shown in FIG. 5 , the step S2 includes the following steps:

Step S21: The importer node fills in the issuance application form on the blockchain based on the requirements of the trade contract, and signs it with the private key Hash;

Step S22: After the issuing bank node receives the issuance application on the blockchain, it applies to the Oracle node to check the credit status of the importer node and the authenticity of the issuance application;

Step S23: After receiving the application, the Oracle node extracts the credit information of the importer node and verifies the authenticity of the issuance application, generates a report, signs it with the private key Hash, sends it to the issuing bank node, and uploads it to the blockchain;

Step S24: The issuing bank node uses the public key of the Oracle node to verify, and after confirming that the report is issued by the Oracle node and confirming that the credit status of the importer node meets the requirements, use the private key on the issuance application deployed by the importer node. The key Hash signature is confirmed and recorded on the blockchain;

Step S25: The issuing bank node issues a letter of credit according to the requirements in the issuance application, signs it with a private key Hash, and sends it to the export notification bank node, and uploads it to the blockchain;

Step S26: After receiving the letter of credit, the advising bank node at the exporting place performs Hash signature confirmation, and at the same time, the letter of credit is signed with the private key Hash and sent to the exporter node, and uploaded to the blockchain;

Step S27: The exporter node confirms the Hash signature after receiving the L/C confirmation, and at the same time, the exporter node will upload the original L/C with the private key as the beneficiary Hash signature and upload it to the blockchain.

In the step S2, the opening process of the letter of credit is carried out on the blockchain, which simplifies the transmission and review process of the letter of credit and the documents, saves manpower, material resources, financial resources and time costs, and makes the entire financing process faster and more efficient. It is safe and intelligent, and the issuing bank node can accurately evaluate the credit status of the importer node through the Oracle node, which reduces the risk of the issuing bank node, and also solves the problem of poor reputation and performance of the importer node. potential risks.

It can be understood that, as shown in FIG. 6 , the step S3 includes the following steps:

Step S31: The exporter node deploys the packaged loan application on the blockchain and signs it with a private key Hash, and applies to the packaged loan bank node for packaged loan financing;

Step S32: The packaged loan bank node receives the original letter of credit on the blockchain and confirms it with Hash signature. After receiving the packaged loan application, it applies to the Oracle node to check the credit status, trade contract, and letter of credit terms of the exporter node. and verify the authenticity of the packaged loan application;

Step S33: After receiving the application, the Oracle node extracts the credit status, trade contract, and L/C terms of the exporter node and verifies the authenticity of the packaged loan application, generates a report, signs it with the private key Hash, and sends it to the packaged loan bank node, and uploads it onto the blockchain;

Step S34: After the packaged loan bank node verifies the authenticity of the report, it decides whether to provide packaged loans for the exporter node. If it is rejected, a rejection notice is generated, signed with the private key Hash, and sent to the exporter node, and uploaded to the blockchain; if agreed , then use the private key Hash signature to confirm on the packaged loan application deployed by the exporter node;

Step S35: The packaged loan bank node provides a certain amount of local currency or foreign currency packaged loan to the exporter node, and uploads the transfer record Hash signature to the blockchain.

In the step S3, the packaged loan bank node can accurately evaluate the credit status of the exporter node through the Oracle node, which reduces the financing risk of the packaged loan bank node, and the packaged loan financing process is in the blockchain. All information is open and transparent, which facilitates effective supervision by other parties and ensures the authenticity of packaged loan financing.

It can be understood that, as shown in FIG. 7 , the step S4 includes the following steps:

Step S41: After the exporter node receives the transfer and remittance from the packaged loan bank node, it confirms the Hash signature on the transfer record. At the same time, the exporter node generates a raw material application list, signs it with the private key Hash, and uploads it to the blockchain, and sends it to the blockchain. The supplier node transfers and remittances to pay for raw materials and processing costs, and uploads the transfer record to the blockchain after Hash signature;

Step S42: After receiving the raw material application list on the blockchain, the supplier node performs Hash signature confirmation on the raw material application list. At the same time, the supplier node signs the raw material document and the processed product document with the private key Hash and uploads it to On the blockchain, it will be handed over to the exporter node, the raw materials and processed products will be handed over to the exporter node, and a supply order will be generated, signed with the private key Hash, sent to the exporter node and uploaded to the blockchain, and received at the same time. After the transfer and remittance of the exporter node is received, the Hash signature is confirmed on the transfer record.

In the step S4, the information in the procurement process of the exporter node, such as the raw material application list, the supply list, etc., all need to be signed and uploaded to the blockchain, so that other nodes can receive loans from the exporter node. Afterwards, effective supervision will be carried out on whether special funds are used for special purposes.

It can be understood that, as shown in FIG. 8 , the step S5 includes the following steps:

Step S51: The exporter node receives the raw materials, processed products and related documents and confirms that the Hash signature on the supply list is correct. At the same time, the exporter node prepares and ships the goods, deploys the freight contract on the blockchain, and signs it with the private key Hash. to the exporter's carrier node;

Step S52: After confirming that the contract is correct and confirming receipt of the order, the exporter's carrier node confirms it with a private key Hash signature on the freight contract, and records it on the blockchain;

Step S53: The exporter node prepares the goods, applies for commodity inspection to the exporter’s commodity inspection bureau node, deploys the export inspection application form on the blockchain and signs it with a private key Hash, and issues a commodity inspection certificate after the exporter’s commodity inspection bureau node passes the commodity inspection and hashes it with the private key After signing, upload it to the blockchain and notify the exporter node;

Step S54: The exporter node signs the export goods declaration form with private key Hash and uploads it to the blockchain, and applies for customs declaration to the exporter's customs node. After the on-site inspection is successful, the exporter's customs node issues a release notice and performs Hash signature Then upload it to the blockchain;

Step S55: The exporter node transfers the goods and related documents to the exporter's carrier node, and generates a handover notice with a private key Hash signature and uploads it to the blockchain;

Step S56: The exporter's carrier node receives the goods and the relevant documents and confirms the Hash signature after confirmation. At the same time, the exporter's carrier node generates a bill of lading, signs it with a private key Hash, and sends it to the exporter's node, and uploads it to the blockchain superior.

In the step S5, the information in the process of export and circulation of goods is uploaded to the blockchain after being signed by the relevant nodes. The entire process of exporting goods is open and transparent on the blockchain, which is convenient for all nodes to carry out the process of export and circulation of goods. Effective supervision, once the exporter node fails to deliver on time, other parties can quickly understand the situation and take corresponding solutions quickly.

It can be understood that, as shown in FIG. 9 , the step S6 includes the following steps:

Step S61: The exporter node signs the bill and the bill transfer agreement with the private key Hash and uploads it to the blockchain, submits and transfers it to the package loan bank node;

Step S62: The package loan bank node examines the bill submitted by the exporter node, confirms that it is correct, and confirms it with a hash signature on the bill transfer agreement, and then uploads the bill and the bill transfer agreement to the blockchain after Hash signature with the private key, and submits And transfer it to the issuing bank node;

Step S63: After the issuing bank node receives the bill and the bill transfer agreement of the packaged loan bank node and reviews it, it signs and confirms the bill transfer agreement with Hash, and records it on the blockchain.

In the step S6, the bill transfer process is carried out on the blockchain, the information is open and transparent, and the authenticity of the transfer is ensured, and the bill is transferred to the issuing bank node after being transferred by the packaged loan bank node. Signature confirmation guarantees the validity and authenticity of the note, thereby reducing the risk of the issuing bank node.

It can be understood that, as shown in FIG. 10 , the step S7 includes the following steps:

Step S71: The exporter node deploys the consignee information on the bill of lading, signs it with the private key Hash, and submits it to the importer node and uploads it to the blockchain;

Step S72: The importer node obtains the bill of lading signed by the exporter node, and after picking up the goods, Hash signature on the bill of lading for confirmation, and submits an import inspection application to the importer's commodity inspection bureau node, which is issued after the importer's commodity inspection bureau node passes the inspection of the goods. The commodity inspection certificate is signed with the private key Hash and uploaded to the blockchain;

Step S73: The importer node submits the import goods declaration form to the importer's customs node, and uploads it to the blockchain after signing it with a private key Hash. After the importer's customs node passes the verification and verification, it issues a release notice and tax bill, and performs the hash signature. upload to the blockchain;

Step S74: After the importer node successfully receives the goods, it generates a receipt notice and sends it to the issuing bank node, signs it with the private key Hash, and uploads it to the blockchain.

In the step S7, the information in the process of import and circulation of goods is uploaded to the blockchain after being signed by relevant nodes. The entire process of importing goods is open and transparent on the blockchain, which is convenient for all nodes to carry out the process of importing and circulating goods. Effective supervision to prevent the importer node from carrying the goods privately and escaping the breach of trust and breach of contract.

It can be understood that, as shown in FIG. 11 , the step S8 includes the following steps:

Step S81: After receiving the receipt notice, the issuing bank node confirms it with the private key Hash signature, pays the package loan bank node when the acceptance date arrives, and uploads the Hash signature of the transfer record to the blockchain;

Step S82: After the packaged loan bank node receives the transfer and remittance from the issuing bank node and confirms that the issuing bank node has paid all the purchase price, it confirms the Hash signature on the transfer voucher and records it on the blockchain, and deducts the principal and interest of the packaged loan. Send money to the exporter node, and upload the transfer record to the blockchain after Hash signature;

Step S83: After confirming that the remittance has been received, the exporter node confirms the transfer certificate with the private key Hash signature, and records it on the blockchain.

In the step S8, the payment clearing process is open and transparent on the blockchain, and the transfer process between the two nodes needs to be signed and confirmed by both nodes, which is convenient for later traceability, and also facilitates the exporter node to effectively supervise the payment clearing process to prevent There are cases where the packaged loan bank node refuses to pay or delays payment after receiving the full payment.

It can be understood that the second embodiment of the present invention also provides a computer-readable storage medium for storing a computer program for packaged loans based on blockchain, and the computer program executes the above-mentioned block-based loan when running on a computer. Blockchain A method of packaging loans based on blockchain.

Typical forms of computer readable media include: floppy disks, flexible disks, hard disks, magnetic tapes, any other magnetic media, CD-ROMs, any other optical media, punchcards ), paper tape, any other physical medium with a pattern 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 computer-readable medium. The instructions may further be transmitted or received by a transmission medium. The term transmission medium can include any tangible or intangible medium that can be used to store, encode, or carry instructions for execution by a machine, and includes digital or analog communication signals or intangible media that facilitate communication of such instructions. Transmission media include coaxial cables, copper wire, and fiber optics, which contain the wires of a bus used to transmit computer data signals.

The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and changes. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims (10)

1. A method for packaged loan based on blockchain, characterized in that, Include the following steps: Step S1: The importer node and the exporter node sign a trade contract on the blockchain, and agree to use a letter of credit for settlement; Step S2: based on the request of the importer node, the issuing bank node evaluates the credit status of the importer node and issues a letter of credit for it; Step S3: Based on the request of the exporter node, the packaged loan bank node provides packaged loan financing for the exporter node after evaluating the credit status of the exporter node, and uploads the transfer record Hash signature to the blockchain; Step S4: The exporter node deploys the raw material application list on the blockchain and performs Hash signature. After receiving the raw material application list, the supplier node transfers the raw materials and processed products to the exporter node, and generates a supply list for Hash signature. upload to the blockchain; Step S5: After receiving the raw materials, processed products and related documents, the exporter node carries out the export of goods and transportation activities, and the information in the process of export and transportation of goods is uploaded to the blockchain after being signed by the relevant node Hash; Step S6: The exporter node signs the bill and the bill transfer agreement Hash and uploads it to the blockchain, and transfers it to the issuing bank node; Step S7: The exporter node deploys the bill of lading on the blockchain and signs it with Hash before handing it over to the importer node. The importer node carries out the import and transportation of goods based on the bill of lading, and the information in the process of import and transportation of goods is hashed by the relevant node. After signing, upload to the blockchain; Step S8: After the acceptance date is reached, the payment clearing activity is carried out, and the transfer record in the payment clearing process is uploaded to the blockchain after being signed by the relevant node Hash. 2. the method for packaged loan based on block chain as claimed in claim 1, is characterized in that, The step S1 includes the following steps: Step S11: The importer node deploys the trade contract on the blockchain, agrees to use the letter of credit for settlement, and uses the private key Hash to sign and upload it to the blockchain; Step S12: The exporter node uses the public key of the importer node to verify, and after confirming that the trade contract is drawn up by the importer node and confirming that the trade contract is correct, confirm the trade contract with the private key Hash signature and record it in the block chain. 3. the method for packaged loan based on block chain as claimed in claim 2, is characterized in that, The step S2 includes the following steps: Step S21: The importer node fills in the issuance application form on the blockchain based on the requirements of the trade contract, and signs it with the private key Hash; Step S22: After the issuing bank node receives the issuance application on the blockchain, it applies to the Oracle node to check the credit status of the importer node and the authenticity of the issuance application; Step S23: After receiving the application, the Oracle node extracts the credit information of the importer node and verifies the authenticity of the issuance application, generates a report, signs it with the private key Hash, sends it to the issuing bank node, and uploads it to the blockchain; Step S24: The issuing bank node uses the public key of the Oracle node to verify, and after confirming that the report is issued by the Oracle node and confirming that the credit status of the importer node meets the requirements, use the private key on the issuance application deployed by the importer node. The key Hash signature is confirmed and recorded on the blockchain; Step S25: The issuing bank node issues a letter of credit according to the requirements in the issuance application, signs it with a private key Hash, and sends it to the export notification bank node, and uploads it to the blockchain; Step S26: After receiving the letter of credit, the advising bank node at the exporting place performs Hash signature confirmation, and at the same time, the letter of credit is signed with the private key Hash and sent to the exporter node, and uploaded to the blockchain; Step S27: The exporter node confirms the Hash signature after receiving the L/C confirmation, and at the same time, the exporter node will upload the original L/C with the private key as the beneficiary Hash signature and upload it to the blockchain. 4. the method for packaged loan based on block chain as claimed in claim 3, is characterized in that, The step S3 includes the following steps: Step S31: The exporter node deploys the packaged loan application on the blockchain and signs it with a private key Hash, and applies to the packaged loan bank node for packaged loan financing; Step S32: The packaged loan bank node receives the original letter of credit on the blockchain and confirms it with Hash signature. After receiving the packaged loan application, it applies to the Oracle node to check the credit status, trade contract, and letter of credit terms of the exporter node. and verify the authenticity of the packaged loan application; Step S33: After receiving the application, the Oracle node extracts the credit status, trade contract, and L/C terms of the exporter node and verifies the authenticity of the packaged loan application, generates a report, signs it with the private key Hash, and sends it to the packaged loan bank node, and uploads it onto the blockchain; Step S34: After the packaged loan bank node verifies the authenticity of the report, it decides whether to provide packaged loans for the exporter node. If it is rejected, a rejection notice is generated, signed with the private key Hash, and sent to the exporter node, and uploaded to the blockchain; if agreed , then use the private key Hash signature to confirm on the packaged loan application deployed by the exporter node; Step S35: The packaged loan bank node provides a certain amount of local currency or foreign currency packaged loan to the exporter node, and uploads the transfer record Hash signature to the blockchain. 5. the method for packaged loan based on block chain as claimed in claim 4 is characterized in that, The step S4 includes the following steps: Step S41: After the exporter node receives the transfer and remittance from the packaged loan bank node, it confirms the Hash signature on the transfer record. At the same time, the exporter node generates a raw material application list, signs it with the private key Hash, and uploads it to the blockchain, and sends it to the blockchain. The supplier node transfers and remittances to pay for raw materials and processing costs, and uploads the transfer record to the blockchain after Hash signature; Step S42: After receiving the raw material application list on the blockchain, the supplier node performs Hash signature confirmation on the raw material application list. At the same time, the supplier node signs the raw material document and the processed product document with the private key Hash and uploads it to On the blockchain, it will be handed over to the exporter node, the raw materials and processed products will be handed over to the exporter node, and a supply order will be generated, signed with the private key Hash, sent to the exporter node and uploaded to the blockchain, and received at the same time. After the transfer and remittance of the exporter node is received, the Hash signature is confirmed on the transfer record. 6. the method for packaged loan based on block chain as claimed in claim 5, is characterized in that, The step S5 includes the following steps: Step S51: The exporter node receives the raw materials, processed products and related documents and confirms that the Hash signature on the supply list is correct. At the same time, the exporter node prepares and ships the goods, deploys the freight contract on the blockchain, and signs it with the private key Hash. to the exporter's carrier node; Step S52: After confirming that the contract is correct and confirming receipt of the order, the exporter's carrier node confirms it with a private key Hash signature on the freight contract, and records it on the blockchain; Step S53: The exporter node prepares the goods, applies for commodity inspection to the exporter’s commodity inspection bureau node, deploys the export inspection application form on the blockchain and signs it with a private key Hash, and issues a commodity inspection certificate after the exporter’s commodity inspection bureau node passes the commodity inspection and hashes it with the private key After signing, upload it to the blockchain and notify the exporter node; Step S54: The exporter node signs the export goods declaration form with private key Hash and uploads it to the blockchain, and applies for customs declaration to the exporter's customs node. After the on-site inspection is successful, the exporter's customs node issues a release notice and performs Hash signature Then upload it to the blockchain; Step S55: The exporter node transfers the goods and related documents to the exporter's carrier node, and generates a handover notice with a private key Hash signature and uploads it to the blockchain; Step S56: The exporter's carrier node receives the goods and the relevant documents and confirms the Hash signature after confirmation. At the same time, the exporter's carrier node generates a bill of lading, signs it with a private key Hash, and sends it to the exporter's node, and uploads it to the blockchain superior. 7. the method for packaged loan based on block chain as claimed in claim 6, is characterized in that, The step S6 includes the following steps: Step S61: The exporter node signs the bill and the bill transfer agreement with the private key Hash and uploads it to the blockchain, submits and transfers it to the package loan bank node; Step S62: The package loan bank node examines the bill submitted by the exporter node, confirms that it is correct, and confirms it with a hash signature on the bill transfer agreement, and then uploads the bill and the bill transfer agreement to the blockchain after Hash signature with the private key, and submits And transfer it to the issuing bank node; Step S63: After the issuing bank node receives the bill and the bill transfer agreement of the packaged loan bank node and reviews it, it signs and confirms the bill transfer agreement with Hash, and records it on the blockchain. 8. The method for packaged loan based on block chain as claimed in claim 7, characterized in that, The step S7 includes the following steps: Step S71: The exporter node deploys the consignee information on the bill of lading, signs it with the private key Hash, and submits it to the importer node and uploads it to the blockchain; Step S72: The importer node obtains the bill of lading signed by the exporter node, and after picking up the goods, Hash signature on the bill of lading for confirmation, and submits an import inspection application to the importer's commodity inspection bureau node, which is issued after the importer's commodity inspection bureau node passes the inspection of the goods. The commodity inspection certificate is signed with the private key Hash and uploaded to the blockchain; Step S73: The importer node submits the import goods declaration form to the importer's customs node, and uploads it to the blockchain after signing it with a private key Hash. After the importer's customs node passes the verification and verification, it issues a release notice and tax bill, and performs the hash signature. upload to the blockchain; Step S74: After the importer node successfully receives the goods, it generates a receipt notice and sends it to the issuing bank node, signs it with the private key Hash, and uploads it to the blockchain. 9. The method for packaged loan based on block chain as claimed in claim 8, characterized in that, The step S8 includes the following steps: Step S81: After receiving the receipt notice, the issuing bank node confirms it with the private key Hash signature, pays the package loan bank node when the acceptance date arrives, and uploads the Hash signature of the transfer record to the blockchain; Step S82: After the packaged loan bank node receives the transfer and remittance from the issuing bank node and confirms that the issuing bank node has paid all the purchase price, it confirms the Hash signature on the transfer voucher and records it on the blockchain, and deducts the principal and interest of the packaged loan. Send money to the exporter node, and upload the transfer record to the blockchain after Hash signature; Step S83: After confirming that the remittance has been received, the exporter node confirms the transfer certificate with the private key Hash signature, and records it on the blockchain. 10. A computer-readable storage medium for storing a computer program for packaged loans based on blockchain, characterized in that, when the computer program is run on a computer, the execution of any one of claims 1 to 9 is performed The blockchain-based method for packaged loans.

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