CN111369337A - Credit wind control system, method, equipment and medium based on block chain - Google Patents
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Abstract
The system comprises a multi-head credit granting verification module, a multi-head credit granting verification module and a verification module, wherein the multi-head credit granting verification module is used for acquiring a multi-head credit granting verification request aiming at a target enterprise and sent by a credit system of a first financial institution, and analyzing and verifying by utilizing first credit granting data and second credit granting data; the first credit granting data is credit granting data uploaded to a target enterprise of the block chain network by a target zone link point; the second credit granting data is credit granting data of a target enterprise maintained by the credit system of the first financial institution stored in the credit granting database module; the data access module is used for acquiring first credit granting data from the block chain network and sending the acquired first credit granting data to the multi-head credit granting verification module; and the credit granting database module is used for storing credit granting data of each enterprise maintained by the credit system of the first financial institution. Financial institutions can timely master the credit granting conditions of enterprises through the block chain network, and the problems of multi-head credit granting and excessive credit granting of the enterprises are avoided.
Description
Technical Field
The application relates to the technical field of financial science and technology, in particular to a block chain-based credit granting wind control system, method, device and medium.
Background
At present, financial institutions have high enthusiasm for supporting financing loans of small and medium-sized micro-enterprises, the problem of difficult fund for the small and medium-sized micro-enterprises is solved through various modes and channels, and some financial institutions even provide credit granting and loan services without mortgage of pure credit for further providing convenience for the small and medium-sized micro-enterprises. Because each financial institution is relatively independent and does not know the credit granting information of the medium and small micro-enterprises of the other side, the problem that one enterprise applies for multiple credit grants at two or more financial institutions simultaneously, that is, the problem that the enterprise has multi-head credit granting and excessive credit granting exists easily occurs, and the risk potential is easily generated.
Disclosure of Invention
In view of this, an object of the present application is to provide a credit granting wind control system, method, device and medium based on a block chain, which can enable a financial institution to timely grasp the credit granting situation of an enterprise through a block chain network, thereby avoiding the problems of multi-head credit granting and excessive credit granting of the enterprise. The specific scheme is as follows:
in a first aspect, the application discloses a block chain-based credit granting wind control system, which comprises a multi-head credit granting checking module, a data access module and a credit granting database module; wherein the content of the first and second substances,
the multi-head credit granting verification module is used for acquiring a multi-head credit granting verification request aiming at a target enterprise, which is sent by a credit system of a first financial institution, and performing analysis verification by using first credit granting data and second credit granting data to obtain a corresponding credit granting wind control analysis result; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the second credit granting data is the credit granting data of the target enterprise maintained by the credit system of the first financial institution stored in the credit granting database module; the target block chain node is a block chain link node corresponding to a credit system of a second financial institution;
the data access module is used for acquiring the first credit granting data from a block chain network and sending the acquired first credit granting data to the multi-head credit granting checking module;
and the credit granting database module is used for storing credit granting data of each enterprise maintained by the credit system of the first financial institution.
Optionally, the multi-head credit granting verification module is further configured to send the credit granting wind control analysis result to the first financial institution credit system.
Optionally, the data access module is specifically configured to send a request for obtaining credit granting data corresponding to the target enterprise to the target block chain node, so that the target block chain node uploads the first credit granting data maintained by the second financial institution credit system to a block chain network, and then the data access module obtains the first credit granting data from the block chain network.
Optionally, the data access module is further configured to respond to a request of a credit granting wind control system corresponding to the credit system of the second financial institution, so as to upload enterprise credit granting data corresponding to the request, stored in the credit granting database, to a block chain network, so that the credit granting wind control system corresponding to the credit system of the second financial institution performs credit granting wind control analysis and verification on a corresponding enterprise.
In a second aspect, the application discloses a block chain-based credit granting wind control method, which includes:
acquiring a multi-head credit granting verification request aiming at a target enterprise, which is sent by a credit system of a first financial institution;
obtaining the first credit data from a blockchain network; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the target block chain node is a block chain link node corresponding to a credit system of a second financial institution;
analyzing and checking by using the first credit granting data and the second credit granting data to obtain a corresponding credit granting wind control analysis result; the second crediting data is crediting data of the target enterprise maintained by the first financial institution credit system.
Optionally, the method for providing credit and wind control based on a block chain further includes:
and sending the credit granting wind control analysis result to the first financial institution credit system.
Optionally, the acquiring the first subscription data from the blockchain network includes:
and sending a request for acquiring credit granting data corresponding to the target enterprise to the target block chain node, so that the target block chain node uploads the first credit granting data maintained by the second financial institution credit system to a block chain network, and then acquires the first credit granting data from the block chain network.
Optionally, the method for providing credit and wind control based on a block chain further includes:
and responding to the request corresponding to the credit system of the second financial institution, and uploading enterprise credit granting data corresponding to the request to the block chain network so that the second financial institution performs credit granting wind control analysis and verification of the corresponding enterprise.
In a third aspect, the present application discloses an electronic device comprising a processor and a memory; wherein the content of the first and second substances,
the memory is used for storing a computer program;
the processor is used for executing the computer program to realize the credit granting wind control method.
In a fourth aspect, the present application discloses a computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the aforementioned credit granting wind control method.
Therefore, the block chain-based credit granting wind control system comprises a multi-head credit granting checking module, a data access module and a credit granting database module; the multi-head credit granting verification module is used for acquiring a multi-head credit granting verification request aiming at a target enterprise, which is sent by a credit system of a first financial institution, and performing analysis and verification by using first credit granting data and second credit granting data to obtain a corresponding credit granting wind control analysis result; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the second credit granting data is the credit granting data of the target enterprise maintained by the credit system of the first financial institution stored in the credit granting database module; the target block chain node is a block chain link node corresponding to a credit system of a second financial institution; the data access module is used for acquiring the first credit granting data from a block chain network and sending the acquired first credit granting data to the multi-head credit granting checking module; and the credit granting database module is used for storing credit granting data of each enterprise maintained by the credit system of the first financial institution. That is, the method and the system for processing the credit authorization data obtain the credit authorization data of the enterprise under other financial institutions from the blockchain network, and perform credit authorization analysis and verification by using the obtained credit authorization data and the credit authorization data of the enterprise maintained by the mechanism to obtain a credit authorization wind control analysis result. Therefore, financial institutions can timely master the credit granting conditions of the enterprises through the block chain network, and the problems of multi-head credit granting and excessive credit granting of the enterprises are solved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a block chain-based credit wind control system disclosed in the present application;
FIG. 2 is a flow chart of a wind control analysis process of a credit wind control system disclosed in the present application;
FIG. 3 is a wind control analysis implementation architecture diagram of a particular trusted wind control system as disclosed herein;
fig. 4 is a flowchart of a block chain-based credit granting wind control method disclosed in the present application;
FIG. 5 is a block diagram of an electronic device disclosed herein;
fig. 6 is a diagram of a server structure disclosed in the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
At present, financial institutions have high enthusiasm for supporting financing loans of small and medium-sized micro-enterprises, the problem of difficult fund for the small and medium-sized micro-enterprises is solved through various modes and channels, and some financial institutions even provide credit granting and loan services without mortgage of pure credit for further providing convenience for the small and medium-sized micro-enterprises. Because each financial institution is relatively independent and does not know the credit granting information of the medium and small micro-enterprises of the other side, the problem that one enterprise applies for multiple credit grants at two or more financial institutions simultaneously, that is, the problem that the enterprise has multi-head credit granting and excessive credit granting exists easily occurs, and the risk potential is easily generated. Therefore, the method provides a credit granting wind control scheme based on the block chain, and a financial institution can timely master the credit granting condition of an enterprise through the block chain network, so that the problems of multi-head credit granting and excessive credit granting of the enterprise are solved.
Referring to fig. 1, the embodiment of the application discloses a block chain-based credit granting wind control system, which includes a multi-head credit granting check module 11, a data access module 12 and a credit granting database module 13; wherein the content of the first and second substances,
the multi-head credit granting verification module 11 is configured to obtain a multi-head credit granting verification request for a target enterprise, which is sent by a credit system of a first financial institution, and perform analysis and verification by using first credit granting data and second credit granting data to obtain a corresponding credit granting wind control analysis result; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the second credit granting data is the credit granting data of the target enterprise maintained by the credit system of the first financial institution stored in the credit granting database module; and the target block chain node is a block chain link node corresponding to the credit system of the second financial institution.
The data access module 12 is configured to acquire the first credit data from a blockchain network, and send the acquired first credit data to the multi-head credit verification module.
And the credit granting database module 13 is used for storing credit granting data of each enterprise maintained by the credit system of the first financial institution.
Therefore, the block chain-based credit granting wind control system comprises a multi-head credit granting checking module, a data access module and a credit granting database module; the multi-head credit granting verification module is used for acquiring a multi-head credit granting verification request aiming at a target enterprise, which is sent by a credit system of a first financial institution, and performing analysis and verification by using first credit granting data and second credit granting data to obtain a corresponding credit granting wind control analysis result; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the second credit granting data is the credit granting data of the target enterprise maintained by the credit system of the first financial institution stored in the credit granting database module; the target block chain node is a block chain link node corresponding to a credit system of a second financial institution; the data access module is used for acquiring the first credit granting data from a block chain network and sending the acquired first credit granting data to the multi-head credit granting checking module; and the credit granting database module is used for storing credit granting data of each enterprise maintained by the credit system of the first financial institution. That is, the method and the system for processing the credit authorization data obtain the credit authorization data of the enterprise under other financial institutions from the blockchain network, and perform credit authorization analysis and verification by using the obtained credit authorization data and the credit authorization data of the enterprise maintained by the mechanism to obtain a credit authorization wind control analysis result. Therefore, financial institutions can timely master the credit granting conditions of the enterprises through the block chain network, and the problems of multi-head credit granting and excessive credit granting of the enterprises are solved.
The multi-head credit granting verification module 11 is further configured to send the credit granting wind control analysis result to the first financial institution credit system.
In a specific embodiment, the multi-head credit granting verification module 11 merges and analyzes the local credit granting data and the enterprise credit granting data acquired from the blockchain, verifies the multi-head credit granting condition and the excessive credit granting condition of the enterprise, and then returns the analysis result to the first financial institution credit system.
The data access module 12 is specifically configured to send a request for obtaining credit granting data corresponding to the target enterprise to the target block chain node, so that the target block chain node uploads the first credit granting data maintained by the second financial institution credit system to a block chain network, and then the data access module obtains the first credit granting data from the block chain network. In a specific implementation process, the data access module 12 sends a request for obtaining the credit granting data corresponding to the target enterprise to the target block link node, and the target block link node generates a credit granting information block from the first credit granting data maintained by the credit system of the second financial institution and uploads the credit granting information block to a block link network, and then the data access module 12 synchronizes the credit granting information block from the block link network and obtains the first credit granting data from the credit granting information block.
And the data access module 12 is further configured to respond to a request of the credit system of the second financial institution, so as to upload enterprise credit data corresponding to the request, stored in the credit database, to the block chain network, so that the credit system of the second financial institution performs credit system corresponding to the enterprise to perform credit wind control analysis and verification on the corresponding enterprise.
That is, the data access module 12 may respond to a request from another entity, form a trust information block by using the trust data of the corresponding enterprise maintained by the entity, and upload the trust information block to the blockchain network, and the other entity may obtain the uploaded trust data from the blockchain network to perform trust wind control analysis and verification.
In a specific embodiment, the financial institution credit system updates the enterprise credit data in time according to the conditions of enterprise credit granting, batch credit, repayment and the like, and the credit database module 13 stores the credit data of each enterprise maintained by the financial institution credit system for calling by the credit wind control system.
For example, referring to fig. 2, fig. 2 discloses a flow chart of a wind control analysis process of a credit wind control system. The multi-head credit granting verification module receives a verification request of a financial institution for inquiring the multi-head credit granting condition of the enterprise and sends an enterprise credit granting data acquisition request to the data access module. The data access module synchronizes enterprise credit granting information blocks uploaded by one or more bank block chain nodes from the block chain network, acquires enterprise credit granting data from the enterprise credit granting information blocks, and returns the enterprise credit granting data to the multi-head credit granting verification module. And the multi-head credit granting verification module acquires local credit granting data of the enterprise from the credit granting database module, merges and analyzes the local credit granting data and the enterprise credit granting data acquired from the block chain, and verifies the multi-head credit granting condition of the enterprise. And the multi-head credit granting verification module returns the analysis result of the multi-head credit granting condition of the enterprise to the inquiring party.
For example, referring to fig. 3, fig. 3 is a diagram illustrating a specific wind control analysis implementation architecture of a credit wind control system disclosed in the present application. The multi-head credit granting verification module receives a verification request for inquiring the multi-head credit granting condition of the enterprise and sends an enterprise credit granting data acquisition request to the data access module. For example, an enterprise X initiates a financing credit application through a bank a credit system, and the bank a credit system initiates a verification request for inquiring the multi-credit situation of the enterprise to a bank a multi-credit wind control system in order to confirm whether the enterprise has the multi-credit situation. The data access module synchronizes enterprise credit granting information blocks uploaded by one or more bank block chain nodes from the block chain network, acquires enterprise credit granting data from the enterprise credit granting information blocks, and returns the enterprise credit granting data to the multi-head credit granting verification module. Specifically, a bank A multi-head credit granting wind control system block chain node sends a request for acquiring enterprise X credit granting data to a bank B multi-head credit granting wind control system block chain node and a bank C multi-head credit granting wind control system block chain node, the bank B multi-head credit granting wind control system block chain node and the bank C multi-head credit granting wind control system block chain node respectively form credit granting data of enterprise X in respective bank credit granting databases into credit granting blocks and upload the credit granting blocks to the block chains, and the bank A multi-head credit granting wind control system block chain node synchronizes and acquires enterprise X credit granting information block data transmitted on the bank B multi-head credit granting wind control system block chain node and the bank C multi-head credit granting wind control system block chain node. And the multi-head credit granting verification module acquires local credit granting data of the enterprise from the credit granting database module, merges and analyzes the local credit granting data and the enterprise credit granting data acquired from the block chain, and verifies the multi-head credit granting condition of the enterprise. Specifically, the bank a multi-credit wind control system integrates the X credit data of the enterprises of other banks and the own bank to perform analysis, for example, whether valid credit and loan data exists in more than two banks, whether the credit amount is over-limit, whether normal payment is available, and the like. And the multi-head credit granting verification module returns the analysis result of the multi-head credit granting condition of the enterprise to the inquiring party. And the bank A multi-head credit granting wind control system returns the multi-head credit granting wind control analysis result of the enterprise X to the bank A credit system, and the bank A credit system examines and approves the financing credit granting application of the enterprise X according to the analysis result and other credit investigation reports.
Referring to fig. 4, fig. 4 is a block chain-based credit granting wind control method disclosed in the embodiment of the present application, including:
step S11: and acquiring a multi-head credit granting verification request aiming at the target enterprise, which is sent by a credit system of the first financial institution.
Step S12: obtaining the first credit data from a blockchain network; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; and the target block chain node is a block chain link node corresponding to the credit system of the second financial institution.
In a specific implementation manner, this embodiment may send, to the target block link point, a request for obtaining the credit granting data corresponding to the target enterprise, so that the target block link point uploads the first credit granting data maintained by the second financial institution credit system to a block chain network, and then obtains the first credit granting data from the block chain network.
Step S13: analyzing and checking by using the first credit granting data and the second credit granting data to obtain a corresponding credit granting wind control analysis result; the second crediting data is crediting data of the target enterprise maintained by the first financial institution credit system.
And then, sending the credit granting wind control analysis result to the first financial institution credit system.
In addition, the embodiment of the application can respond to the request corresponding to the credit system of the second financial institution, so that the enterprise credit granting data corresponding to the request is uploaded to the block chain network, and the second financial institution can conveniently perform credit granting wind control analysis and verification of the corresponding enterprise. The second financial institution is an institution corresponding to the credit system of the second financial institution.
Therefore, the method and the device for verifying the multi-head credit authorization of the target enterprise, which are sent by the credit system of the first financial institution, are obtained; obtaining the first credit data from a blockchain network; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the target block chain node is a block chain link node corresponding to a credit system of a second financial institution; analyzing and checking by using the first credit granting data and the second credit granting data to obtain a corresponding credit granting wind control analysis result; the second crediting data is crediting data of the target enterprise maintained by the first financial institution credit system. That is, in the embodiment of the application, credit granting data of an enterprise under another financial institution is acquired from the blockchain network, and credit granting analysis and verification are performed by using the acquired credit granting data and the credit granting data of the enterprise maintained by the mechanism, so as to obtain a credit granting wind control analysis result. Therefore, financial institutions can timely master the credit granting conditions of the enterprises through the block chain network, and the problems of multi-head credit granting and excessive credit granting of the enterprises are solved.
Referring to fig. 5, an embodiment of the present application discloses an electronic device, which includes a processor 21 and a memory 22; wherein, the memory 22 is used for saving computer programs; the processor 21 is configured to execute the computer program to implement the following steps:
acquiring a multi-head credit granting verification request aiming at a target enterprise, which is sent by a credit system of a first financial institution; obtaining the first credit data from a blockchain network; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the target block chain node is a block chain link node corresponding to a credit system of a second financial institution; analyzing and checking by using the first credit granting data and the second credit granting data to obtain a corresponding credit granting wind control analysis result; the second crediting data is crediting data of the target enterprise maintained by the first financial institution credit system.
Therefore, the method and the device for verifying the multi-head credit authorization of the target enterprise, which are sent by the credit system of the first financial institution, are obtained; obtaining the first credit data from a blockchain network; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the target block chain node is a block chain link node corresponding to a credit system of a second financial institution; analyzing and checking by using the first credit granting data and the second credit granting data to obtain a corresponding credit granting wind control analysis result; the second crediting data is crediting data of the target enterprise maintained by the first financial institution credit system. That is, in the embodiment of the application, credit granting data of an enterprise under another financial institution is acquired from the blockchain network, and credit granting analysis and verification are performed by using the acquired credit granting data and the credit granting data of the enterprise maintained by the mechanism, so as to obtain a credit granting wind control analysis result. Therefore, financial institutions can timely master the credit granting conditions of the enterprises through the block chain network, and the problems of multi-head credit granting and excessive credit granting of the enterprises are solved.
In this embodiment, when the processor 21 executes the computer subprogram stored in the memory 22, the following steps may be specifically implemented: and sending the credit granting wind control analysis result to the first financial institution credit system.
In this embodiment, when the processor 21 executes the computer subprogram stored in the memory 22, the following steps may be specifically implemented: and sending a request for acquiring credit granting data corresponding to the target enterprise to the target block chain node, so that the target block chain node uploads the first credit granting data maintained by the second financial institution credit system to a block chain network, and then acquires the first credit granting data from the block chain network.
In this embodiment, when the processor 21 executes the computer subprogram stored in the memory 22, the following steps may be specifically implemented: and responding to the request corresponding to the credit system of the second financial institution, and uploading enterprise credit granting data corresponding to the request to the block chain network so that the second financial institution performs credit granting wind control analysis and verification of the corresponding enterprise.
Referring to fig. 6, the present application discloses a server 20 comprising a processor 21 and a memory 22 as disclosed in the previous embodiments. For the steps that the processor 21 can specifically execute, reference may be made to corresponding contents disclosed in the foregoing embodiments, and details are not described herein again.
Further, the server 20 in this embodiment may further specifically include a power supply 23, a communication interface 24, an input/output interface 25, and a communication bus 26; the power supply 23 is configured to provide operating voltage for each hardware device on the server 20; the communication interface 24 can create a data transmission channel between the server 20 and an external device, and a communication protocol followed by the communication interface is any communication protocol applicable to the technical solution of the present application, and is not specifically limited herein; the input/output interface 25 is configured to obtain external input data or output data to the outside, and a specific interface type thereof may be selected according to specific application requirements, which is not specifically limited herein.
Further, an embodiment of the present application also discloses a computer readable storage medium for storing a computer program, wherein the computer program, when executed by a processor, implements the following steps:
acquiring a multi-head credit granting verification request aiming at a target enterprise, which is sent by a credit system of a first financial institution; obtaining the first credit data from a blockchain network; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the target block chain node is a block chain link node corresponding to a credit system of a second financial institution; analyzing and checking by using the first credit granting data and the second credit granting data to obtain a corresponding credit granting wind control analysis result; the second crediting data is crediting data of the target enterprise maintained by the first financial institution credit system.
Therefore, the method and the device for verifying the multi-head credit authorization of the target enterprise, which are sent by the credit system of the first financial institution, are obtained; obtaining the first credit data from a blockchain network; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the target block chain node is a block chain link node corresponding to a credit system of a second financial institution; analyzing and checking by using the first credit granting data and the second credit granting data to obtain a corresponding credit granting wind control analysis result; the second crediting data is crediting data of the target enterprise maintained by the first financial institution credit system. That is, in the embodiment of the application, credit granting data of an enterprise under another financial institution is acquired from the blockchain network, and credit granting analysis and verification are performed by using the acquired credit granting data and the credit granting data of the enterprise maintained by the mechanism, so as to obtain a credit granting wind control analysis result. Therefore, financial institutions can timely master the credit granting conditions of the enterprises through the block chain network, and the problems of multi-head credit granting and excessive credit granting of the enterprises are solved.
In this embodiment, when the computer subprogram stored in the computer-readable storage medium is executed by the processor, the following steps may be specifically implemented: and sending the credit granting wind control analysis result to the first financial institution credit system.
In this embodiment, when the computer subprogram stored in the computer-readable storage medium is executed by the processor, the following steps may be specifically implemented: and sending a request for acquiring credit granting data corresponding to the target enterprise to the target block chain node, so that the target block chain node uploads the first credit granting data maintained by the second financial institution credit system to a block chain network, and then acquires the first credit granting data from the block chain network.
In this embodiment, when the computer subprogram stored in the computer-readable storage medium is executed by the processor, the following steps may be specifically implemented: and responding to the request corresponding to the credit system of the second financial institution, and uploading enterprise credit granting data corresponding to the request to the block chain network so that the second financial institution performs credit granting wind control analysis and verification of the corresponding enterprise.
The embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same or similar parts among the embodiments are referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The above detailed description is given to a system, a method, a device and a medium for providing credit and wind control based on a block chain, and a specific example is applied in the present disclosure to explain the principle and the implementation of the present disclosure, and the description of the above embodiment is only used to help understanding the method and the core idea of the present disclosure; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (10)
1. A block chain-based credit granting wind control system is characterized by comprising a multi-head credit granting checking module, a data access module and a credit granting database module; wherein the content of the first and second substances,
the multi-head credit granting verification module is used for acquiring a multi-head credit granting verification request aiming at a target enterprise, which is sent by a credit system of a first financial institution, and performing analysis verification by using first credit granting data and second credit granting data to obtain a corresponding credit granting wind control analysis result; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the second credit granting data is the credit granting data of the target enterprise maintained by the credit system of the first financial institution stored in the credit granting database module; the target block chain node is a block chain link node corresponding to a credit system of a second financial institution;
the data access module is used for acquiring the first credit granting data from a block chain network and sending the acquired first credit granting data to the multi-head credit granting checking module;
and the credit granting database module is used for storing credit granting data of each enterprise maintained by the credit system of the first financial institution.
2. The block chain based credit wind control system of claim 1,
the multi-head credit granting verification module is further used for sending the credit granting wind control analysis result to the first financial institution credit system.
3. The block chain based credit wind control system of claim 1,
the data access module is specifically configured to send a request for acquiring credit granting data corresponding to the target enterprise to the target block chain node, so that the target block chain node uploads the first credit granting data maintained by the second financial institution credit system to a block chain network, and then the data access module acquires the first credit granting data from the block chain network.
4. The block chain based credit wind control system of claim 1,
the data access module is further used for responding to a request of the credit granting wind control system corresponding to the credit system of the second financial institution, so that enterprise credit granting data corresponding to the request and stored in the credit granting database is uploaded to the block chain network, and therefore the credit granting wind control system corresponding to the credit system of the second financial institution can perform credit granting wind control analysis and verification on corresponding enterprises.
5. A block chain-based message granting wind control method is characterized by comprising the following steps:
acquiring a multi-head credit granting verification request aiming at a target enterprise, which is sent by a credit system of a first financial institution;
obtaining the first credit data from a blockchain network; the first credit granting data is credit granting data corresponding to the target enterprise uploaded to the block chain network by the target zone link point; the target block chain node is a block chain link node corresponding to a credit system of a second financial institution;
analyzing and checking by using the first credit granting data and the second credit granting data to obtain a corresponding credit granting wind control analysis result; the second crediting data is crediting data of the target enterprise maintained by the first financial institution credit system.
6. The block chain based credit signal wind control method according to claim 5, further comprising:
and sending the credit granting wind control analysis result to the first financial institution credit system.
7. The block chain based credit signal wind control method of claim 5, wherein the obtaining the first credit signal data from a block chain network comprises:
and sending a request for acquiring credit granting data corresponding to the target enterprise to the target block chain node, so that the target block chain node uploads the first credit granting data maintained by the second financial institution credit system to a block chain network, and then acquires the first credit granting data from the block chain network.
8. The block chain based credit signal wind control method according to claim 5, further comprising:
and responding to the request corresponding to the credit system of the second financial institution, and uploading enterprise credit granting data corresponding to the request to the block chain network so that the second financial institution performs credit granting wind control analysis and verification of the corresponding enterprise.
9. An electronic device comprising a processor and a memory; wherein the content of the first and second substances,
the memory is used for storing a computer program;
the processor is used for executing the computer program to realize the credit granting wind control method according to any one of claims 5 to 8.
10. A computer-readable storage medium storing a computer program, wherein the computer program when executed by a processor implements the credit wind control method according to any one of claims 5 to 8.
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| CN111369337B (en) | 2023-12-01 |
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