CN111260459A

CN111260459A - Method for packaging loan based on block chain and computer readable storage medium

Info

Publication number: CN111260459A
Application number: CN202010029501.8A
Authority: CN
Inventors: 马超群; 仵奕欣; 周中定; 李信儒; 兰秋军
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2020-01-13
Filing date: 2020-01-13
Publication date: 2020-06-09
Anticipated expiration: 2040-01-13
Also published as: CN111260459B

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 packaging loan based on block chain and computer readable storage medium

Technical Field

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

Background

The packaging loan is a special loan which is issued by an exporter in a credit settlement mode and is used for purchasing, producing and shipping export goods under the credit item, wherein the export is realized by taking the original credit as a repayment guarantee. The repayment source of the packaging loan is export remittance under the item of the credit card, and is short-term trade financing before shipment of goods.

However, the existing packaging loan method cannot effectively supervise the following risks:

1. the risk of importers, the potential risk formed by poor reputation and performance of foreign importers, and the barrier of setting soft terms and the like by using the shortage of exporter information in foreign trade contracts by some illegal importers, such as buyer check terms and goods arrival check terms, lead to the exporter not controlling the property right or being in a passive position in the transaction, and find out various reasons to refuse payment once the market conditions are not good for the benefit of the exporter. If the exporter cannot meet the requirements of the terms of the letter of credit or fail to perform at all, the letter of credit at this time is worthless and repayment of the packaged loan is not guaranteed.

2. And managing risks. For example, the goods sources of domestic exporter organizations have the substantive problems of unqualified quality, inconsistent quality with the description of the credit-certificate goods and the like due to poor operation and management, so that the final shipment period of the goods is often later than the latest shipment period specified by LC (credit certificate), and possibly, the companies cannot pass the inspection of a quality inspection mechanism and are difficult to submit documents in accordance with the credit certificate, so that importers and issuing banks refuse payment and remittance is not guaranteed.

3. Risk of deliberately misappropriating other uses. The packing loan is used in the links of domestic purchase, material preparation, production, shipment and the like of exporters, the loan is specially used for the loan, the loan purpose is tracked and checked after the loan is issued, whether the loan is used for the purchase and production of export goods under the item of the credit card or not, and whether the loan is not paid or not under the condition that the validity period of the credit card is over.

4. Risk of issuing a certificate. If the credit of the issuing bank is not good, and the country and the region have foreign exchange shortage, political crises and economic crises, the potential risk of sending the packed loan is large.

Disclosure of Invention

The invention provides a block chain-based packaging loan method and a computer-readable storage medium, which aim to solve the technical problem that the conventional packaging loan mode cannot effectively supervise the risks.

According to one aspect of the invention, a method for performing a packaged loan based on a block chain is provided, which comprises the following steps:

step S1: the import merchant node and the export merchant node sign trade contracts in the block chain and agree to use a credit mode for settlement;

step S2: the issuing bank node evaluates the credit standing condition of the importer node and issues a credit card for the importer node based on the request of the importer node;

step S3: the packaging loan bank node evaluates the credit worthiness of the exporter node based on the request of the exporter node, provides packaging loan financing for the exporter node, and uploads the transfer record Hash signature to a block chain;

step S4: the export business node deploys a raw material application list on the block chain and carries out Hash signature, the supplier node receives the raw material application list, transfers the raw materials and the processed products to the export business node, generates a supply list, carries out Hash signature and uploads the supply list to the block chain;

step S5: carrying out goods export transportation activities after the export business node receives the raw materials, the processed products and the related documents, and uploading information in the goods export transportation process to the block chain after the information is subjected to Hash signature by the related nodes;

step S6: the exporter node uploads the bills and the Hash signatures of the bill transfer protocol to a block chain and transfers the bills and the Hash signatures to the issuing bank node;

step S7: the export business node deploys a bill of lading on the block chain, carries out Hash signature and then transfers the bill of lading to the import business node, the import business node carries out cargo import transportation activities based on the bill of lading, and information in the cargo import transportation process is uploaded to the block chain after the relevant node Hash signature;

step S8: and after the acceptance date is reached, carrying out cargo money clearing activity, and uploading transfer records in the cargo money clearing process to the block chain after the transfer records are subjected to Hash signature of related nodes.

Further, the step S1 includes the following steps:

step S11: the import merchant node deploys trade contracts on the block chain, agrees to use a credit card mode for settlement, and uploads the signed result to the block chain after using the Hash of a private key;

step S12: and the exporter node verifies by using the public key of the importer node, confirms that the trade contract is drawn up by the importer node and confirms that the trade contract is correct, confirms the trade contract by using the Hash signature of the private key on the trade contract and records the signature on the block chain.

Further, the step S2 includes the following steps:

step S21: the import merchant node fills out an opening certificate application based on the trade contract requirement on the block chain, and uses a private key Hash to sign;

step S22: after receiving the application for opening certificate on the block chain, the node of the opening certificate line applies to the Oracle node to check the credit standing condition of the importer node and the authenticity of the condition of the application for opening certificate;

step S23: after receiving the application, the Oracle node extracts the credit worthiness condition of the importer node and verifies the authenticity of the condition of the opening application, generates a report, signs by using a Hash private key, sends the report to an opening bank node, and uploads the report to a block chain;

step S24: the node of the issuing bank utilizes the public key of the Oracle node to carry out verification, after the report is determined to be sent by the Oracle node and the condition of credit worthiness of the importer node is confirmed to meet the requirements, the certification application book deployed by the importer node is confirmed by using the Hash signature of the private key and is recorded on the block chain;

step S25: the issuing bank node issues a credit card according to the requirements in the issuing application book, signs the credit card by using a Hash private key, sends the credit card to the notification bank node of the outlet, and uploads the credit card to the block chain;

step S26: the exit place advising bank node receives the credit card and then carries out Hash signature confirmation, and meanwhile, the credit card is sent to the exit place advising bank node after being Hash signed by a private key and uploaded to the block chain;

step S27: and the exporter node receives the letter of credit and confirms the letter of credit without errors, and uploads the letter of credit which is taken as the beneficiary to the block chain after being signed by the private key Hash.

Further, the step S3 includes the following steps:

step S31: the export merchant node deploys a packaging loan application book on the block chain and uses a private key Hash signature to apply for packaging loan financing to the packaging loan bank node;

step S32: the packaging loan bank node receives the confirmation of the credit card positive on the block chain, then carries out Hash signature confirmation, and after receiving the packaging loan application form, applies to the Oracle node for checking the credit standing condition, trade contract, credit terms of the exporter node and verifying the authenticity of the condition of the packaging loan application form;

step S33: after receiving the application, the Oracle node extracts the credit worthiness condition, trade contract and credit terms of the oral merchant node, verifies the authenticity of the condition of the packed loan application form, generates a report, signs with a Hash of a private key, sends the report to the packed loan bank node, and uploads the report to a block chain;

step S34: after verifying the authenticity of the report, the packaging loan bank node determines whether to provide packaging loan for the exporter node, if so, a rejection notice is generated, signed by a private key Hash, sent to the exporter node, and uploaded to a block chain; if yes, using a private key Hash signature to confirm on a packed loan application deployed by the exporter node;

step S35: and the packing loan bank node provides a certain amount of home currency or foreign currency packing loan to the exporter node, and uploads the transfer record Hash signature to the block chain.

Further, the step S4 includes the following steps:

step S41: after receiving the transferred account of the packaging loan bank node and sending the transferred account to an account, the exporter node performs Hash signature confirmation on the transferred account record, generates a raw material application list, uploads the list to the block chain after Hash signature by using a private key, transfers the transferred account to the supplier node to pay raw materials and processing cost, and uploads the transferred account to the block chain after Hash signature;

step S42: after receiving the raw material application list on the block chain, the supplier node performs Hash signature confirmation on the raw material application list, meanwhile, the supplier node uploads the raw material document and the processed product document to the block chain after Hash signature by using a private key so as to transfer the raw material document and the processed product to the export supplier node, the raw material and the processed product are transferred to the export supplier node to generate a supply sheet, the supply sheet is sent to the export supplier node after Hash signature by using the private key and uploaded to the block chain, meanwhile, after receiving the account transfer remittance of the export supplier node, the supply sheet is subjected to Hash signature confirmation on the account transfer record.

Further, the step S5 includes the following steps:

step S51: after receiving the raw materials, the processed products and the related documents, the exporter node confirms the correct results through Hash signature on a supply bill, prepares and delivers the goods at the same time, deploys a freight contract on a block chain, signs the goods with a private key Hash and sends the goods to an exporter carrier node;

step S52: the carrier node of the exporter confirms that the contract is correct and confirms the order and then confirms the order on the freight contract by using the Hash signature of the private key and records the result on the block chain;

step S53: the export merchant node prepares goods, applies for merchant inspection to the export side merchant inspection bureau node, deploys an export inspection application book on the block chain and signs with a private key Hash, issues a merchant inspection certificate after the export side merchant inspection bureau node is qualified in merchant inspection and uploads the merchant inspection certificate to the block chain after signing with the private key Hash, and notifies the export merchant node;

step S54: the export merchant node uploads the export goods customs clearance sheet to the block chain after Hash signature by using a private key, applies for customs clearance to the export party customs node, opens a release notice sheet after the field audit and verification of the export party customs node is successful, and uploads the release notice sheet to the block chain after Hash signature;

step S55: the exporter node hands over the goods and the related documents to the exporter carrier node, generates a hand-over notice, and uploads the hand-over notice to the block chain after being signed by a Hash private key;

step S56: and the carrier node of the exporter receives the goods and the related documents and confirms the goods and the related documents without errors, then carries out Hash signature confirmation, generates a goods-taking list and sends the goods-taking list to the carrier node of the exporter after carrying out Hash signature by using a private key, and uploads the goods and the related documents to the block chain.

Further, the step S6 includes the following steps:

step S61: the exporter node uploads the bills and the bill transfer protocol to a block chain after using a private key Hash signature, submits the bills and transfers the bills and the bill transfer protocol to a packaging loan bank node;

step S62: the packing loan bank node verifies the bill submitted by the exporter node, confirms that the bill is correct, uploads the bill and the bill transfer protocol to a block chain after the bill and the bill transfer protocol use a private key for Hash signature, submits the bill and transfers the bill to the issuing bank node;

step S63: and after the issuing bank node receives and audits the bill and the bill transfer protocol of the packaging loan bank node, the Hash signature is confirmed on the bill transfer protocol, and the bill transfer protocol are recorded on the block chain.

Further, the step S7 includes the following steps:

step S71: the export business node deploys the information of the goods deliverer on the goods delivery bill, submits the information to the import business node after being signed by the Hash of a private key and uploads the information to the block chain;

step S72: the import merchant node obtains the delivery bill signed by the export merchant node, the Hash signature is confirmed on the delivery bill after goods are extracted, an import inspection application is submitted to the import party commodity inspection bureau node, and the import party commodity inspection bureau node issues a commodity inspection certificate after the goods are inspected to be qualified and uploads the commodity inspection certificate to the block chain after the Hash signature is carried out by using a private key;

step S73: the import merchant node submits an import goods customs declaration form to the import square customs node, uploads the customs declaration form to the block chain after Hash signature by using a private key, and the import square customs node opens a release notice form and a tax payment form after verification and verification are passed, and uploads the customs declaration form and the tax payment form to the block chain after Hash signature;

step S74: and after receiving the goods successfully, the import merchant node generates a goods receiving notice and sends the goods receiving notice to the issuing bank node, and uploads the goods to the block chain after being signed by the Hash of the private key.

Further, the step S8 includes the following steps:

step S81: the issuing bank node receives the receiving notice and then confirms the receiving notice by using the Hash signature of the private key, pays the packaging loan bank node when the receiving notice arrives, and uploads the Hash signature of the transfer record to the block chain;

step S82: the packaging loan bank node receives the transferred money of the issuing bank node and sends the transferred money to the account and confirms that the issuing bank node pays all the money, and then Hash signature is confirmed on the transferred money voucher and recorded on the block chain, meanwhile, the money is sent to the export node after the packaging loan message is deducted, and the transferred money is uploaded to the block chain after Hash signature is recorded;

step S83: after confirming that the remittance is sent to the account, the exporter node confirms the remittance on the transfer voucher by using a Hash signature of a private key and records the confirmation on the block chain.

The invention also provides a computer readable storage medium for storing a computer program for performing block chain based packaged loan, wherein the computer program executes the method for performing block chain based packaged loan as described above when the computer program runs on a computer.

The invention has the following beneficial effects:

the block chain-based loan packaging method solves the problems of inaccurate credit worthiness evaluation, poor information source of exporters and difficult monitoring of trade circulation by utilizing Oracle, cross-chain technology and an approval mechanism, can prevent the importers from counterfeiting and maliciously falsifying the contract by utilizing a consensus mechanism, and ensures 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. The packaging loan in the traditional mode has potential risks formed by poor reputation and performance of foreign importers, poor management and management of domestic exporters, risks of purposeful stealing of packaged loan for other purposes and poor credit approval status, and the main reasons are that different entities respectively store respective information, the transparency is seriously lacked, higher time cost and money cost are caused, once problems (fake collar, goods counterfeit and the like) occur, the tracking and processing are difficult, the transaction information of all participating main bodies is linked, the whole transaction process is transparent and convenient to monitor, the risks are conveniently systematically measured, and the trust degree between the participating main bodies is deepened.

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 block chain network deployment diagram of a block chain-based method for performing a package loan based on a block chain according to a preferred embodiment of the invention.

Fig. 2 is a schematic diagram of a service network of a block chain-based method for performing a package loan based on a block chain according to a preferred embodiment of the invention.

Fig. 3 is a flow chart illustrating a block chain-based method for performing a package loan based on a block chain according to a preferred embodiment of the invention.

Fig. 4 is a sub-flowchart of step S1 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 5 is a sub-flowchart of step S2 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 6 is a sub-flowchart of step S3 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 7 is a sub-flowchart of step S4 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 8 is a sub-flowchart of step S5 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 9 is a sub-flowchart of step S6 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 10 is a sub-flowchart of step S7 in fig. 3 according to the preferred embodiment of the present invention.

Fig. 11 is a sub-flowchart of step S8 in fig. 3 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. 1 and 2, the following explains the multi-party nodes involved in the blockchain network in the method for performing a package loan based on a blockchain.

1. Oracle node: 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. Import merchant node: the system refers to enterprises or businessmen engaged in import trade, which purchase goods from foreign countries and then sell the goods to industrial and mining enterprises, wholesalers and retailers in the country; or processed or stored slightly and then transferred to other countries or regions for sale.

3. And (4) an export business node: refers to a foreign trade company that has the right to handle export traffic.

4. And (3) issuing a certificate as follows: refers to a bank that accepts the requirements and instructions of a issuing applicant (typically a buyer of a trade contract, a goods importer) or issues a letter of credit on its own needs. The issuing bank is generally a bank at the location of the importer and is responsible for obligations under the letter of credit on its own behalf.

5. Packaging loan bank nodes: refers to a bank that provides the exporter with the packaging loan service, and is generally a bank at the location of the exporter.

6. Exit floor notification row node: refers to the bank that audits the letter of credit and notifies the beneficiary of the letter of credit, typically the bank at the location of the exporter.

7. A supplier node: the system provides services such as raw materials, product processing and manufacturing for exporters, has an information management system adaptive to own business, and is an economic organization for carrying out independent accounting and independently undertaking civil responsibility.

8. Exporter carrier node: the system is an economic organization which 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 own business, and implements independent accounting and independent undertaking of civil responsibility.

9. Export side customs node: the customs of the public side is pointed out to be the national administrative organ which exercises the administrative authority of import and export according to the law and the administrative law of the country (or region). The system is used for verifying the authenticity of the goods, including type, quantity and tax (imported duty and exported tax refund, value-added tax invoice) and the like, and is responsible for verifying and checking the goods issuing pass.

10. 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.

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

12. 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.

As shown in fig. 3, the preferred embodiment of the present invention provides a method for performing a packed loan based on a block chain, comprising the steps of:

In this embodiment, the block chain-based loan packaging method utilizes Oracle, a cross-chain technology and an approval mechanism, solves the problems of inaccurate credit worthiness evaluation, poor export information source and difficulty in monitoring trade circulation, and can prevent import traders from making fake and maliciously falsifying contracts by using a consensus mechanism, thereby ensuring 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. The packaging loan in the traditional mode has potential risks formed by poor reputation and performance of foreign importers, poor management and management of domestic exporters, risks of purposeful stealing of packaged loan for other purposes and poor credit approval status, and the main reasons are that different entities respectively store respective information, the transparency is seriously lacked, higher time cost and money cost are caused, once problems (fake collar, goods counterfeit and the like) occur, the tracking and processing are difficult, the transaction information of all participating main bodies is linked, the whole transaction process is transparent and convenient to monitor, the risks are conveniently systematically measured, and the trust degree between the participating main bodies is deepened.

It is understood that, as shown in fig. 4, the step S1 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, which facilitates the effective supervision of the authenticity of the trade by other parties, and also prevents the situation that the importer node intentionally sets the soft clause.

It is understood that, as shown in fig. 5, the step S2 includes the following steps:

In the step S2, the process of issuing the credit is performed on the blockchain, which simplifies the transmission and verification processes of the credit and the document, saves the costs of manpower, material resources, financial resources and time, makes the whole financing process faster, safer and more intelligent, and the issuing bank node can accurately evaluate the credit investigation condition of the importer node through the Oracle node, reduces the risk of the issuing bank node, and also solves the potential risk formed by the reputation and poor performance of the importer node.

It is understood that, as shown in fig. 6, the step S3 includes the following steps:

In the step S3, the packaging loan bank node can accurately make an accurate assessment of the credit investigation condition of the exporter node through the Oracle node, thereby reducing the financing risk of the packaging loan bank node, and the packaging loan financing process is performed on the block chain, all information is open and transparent, thereby facilitating the effective supervision of other nodes and ensuring the authenticity of the packaging loan financing.

It is understood that, as shown in fig. 7, the step S4 includes the following steps:

In step S4, the information in the purchasing process of the exporter node, such as the raw material application list, the supply list, etc., is uploaded to the block chain after being signed, so that other parties can effectively supervise whether the exporter node is dedicated after receiving the loan.

It is understood that, as shown in fig. 8, the step S5 includes the following steps:

In step S5, the information in the process of export circulation of the goods is signed by the relevant nodes and then uploaded to the block chain, and the whole process of export circulation of the goods is public and transparent on the block chain, so that each party can conveniently and effectively supervise the export circulation process of the goods, and once the export business node fails to make a bill according to the date, other parties can quickly know the situation and can quickly take corresponding solutions.

It is understood that, as shown in fig. 9, the step S6 includes the following steps:

In step S6, the bill transfer process is performed on the blockchain, the information is public 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 packaging loan bank node, and the packaging loan bank node needs to perform signature verification to guarantee the validity and authenticity of the bill, thereby reducing the risk of the issuing bank node.

It is understood that, as shown in fig. 10, 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 import and 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. 11, the step S8 includes the following steps:

In the step S8, the payment clearing process is publicly and transparently on the block chain, the transfer process between the two nodes requires signature confirmation of the two nodes, so as to facilitate later tracing, and the exporter node can effectively supervise the payment clearing process, thereby preventing the situation that the packaging loan bank node refuses to pay or delays to pay after receiving all the payment.

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 performing a block chain based packaging loan, which when executed on a computer performs the method for performing a block chain based packaging loan based on a block chain 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 packaging loan based on block chain is characterized in that,

the method comprises the following steps:

2. The method for packaging loans based on block chain of claim 1,

the step S1 includes the steps of:

3. The method for packaging loans based on block chain of claim 2,

the step S2 includes the steps of:

4. The method for packaging loans based on block chain of claim 3,

the step S3 includes the steps of:

5. The method for packaging loans based on block chain of claim 4,

the step S4 includes the steps of:

6. The method for packaging loans based on block chain of claim 5,

the step S5 includes the steps of:

7. The method for packaging loans based on block chain of claim 6,

the step S6 includes the steps of:

8. The method for packaging loans based on block chain of claim 7,

the step S7 includes the steps of:

9. The method for packaging loans based on block chain of claim 8,

the step S8 includes the steps of:

10. A computer-readable storage medium storing a computer program for performing a block chain based pack loan, wherein the computer program, when executed on a computer, performs the method for performing a block chain based pack loan according to any one of claims 1 to 9.