CN111489249A - Method, equipment and medium for constructing financial wind control alliance based on block chain - Google Patents
Method, equipment and medium for constructing financial wind control alliance based on block chain Download PDFInfo
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- CN111489249A CN111489249A CN202010176846.6A CN202010176846A CN111489249A CN 111489249 A CN111489249 A CN 111489249A CN 202010176846 A CN202010176846 A CN 202010176846A CN 111489249 A CN111489249 A CN 111489249A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The application discloses a method, a system, equipment and a medium for constructing a financial wind control alliance based on a block chain, wherein the method comprises the following steps: receiving a loan application sent by a lender through a communication interface of a block chain, and determining the risk prevention and control level of the loan application according to the loan application; and determining a financial wind control union according to the risk prevention and control level of the loan application. The distributed storage technology based on the block chain makes up the problem that fused data in the traditional technology is easy to be tampered, the information distribution and broadcasting based on the block chain technology can effectively solve the problems of information disclosure and sharing among financial institutions and guarantee subjects, meanwhile, the traceability of the block chain technology is strong, traceability can be conducted when a financial wind control alliance has problems, and responsibility is clear.
Description
Technical Field
The present application relates to the field of blockchain technologies, and in particular, to a method, a system, a device, and a medium for building a financial wind control alliance based on blockchain.
Background
The whole connotation of risk management is that predictable losses are fully compensated by gains, corresponding economic capital is configured for unpredictability, and finally the maximum target of capital return is realized. From the management of risk types, three main aspects are focused on: credit risk management, market risk management, operational risk management.
In the existing financial wind control (financial risk control), the disclosure of information has a great problem. In the local world, investors are mostly exposed to risk on the converter unit, as governments provide implicit guaranties for businesses and financial institutions. Just as the "guarantee" that high-risk assets seem to be shared is confident, investors are darted to risk investments beyond their own capabilities. Excessive high leverage investment results in excess capacity and increased enterprise liability. Many speculators will end up with bankruptcy, which will exacerbate the bank bad bill problem and make the banking industry more vulnerable. Therefore, how to disclose financial information by technical means to solve management of financial wind control is a problem that needs to be solved by those skilled in the art.
Disclosure of Invention
The embodiment of the specification provides a method, a system, equipment and a medium for constructing a financial wind control alliance based on a block chain, and is used for solving the following technical problems in the prior art:
in the financial wind direction control management, information cannot be effectively revealed, and human interference factors are large.
The embodiment of the specification adopts the following technical scheme:
a first aspect of an embodiment of the present application provides a method for building a financial wind-control alliance based on a block chain, including:
receiving a loan application sent by a lender through a communication interface of a block chain, and determining the risk prevention and control level of the loan application according to the loan application;
and determining a financial wind control union according to the risk prevention and control level of the loan application.
In one example, the receiving, through a communication interface of a block chain, a loan application sent by a lender, and determining a risk prevention and control level of the loan application according to the loan application includes:
and determining a financial institution providing financial loan transaction according to the loan application of the loan party, and calculating the risk prevention and control level of the loan application through a wind control model of the financial institution.
In one example, the determining a financial institution providing a financial loan transaction according to the loan application of the lender includes:
and packaging the loan application sent by the lender into blocks, writing the blocks into the block chain, and broadcasting the blocks to other financial institutions in the block chain so as to avoid repeated acceptance of the loan application.
In one example, the determining a financial wind-control league according to the risk prevention and control level of the loan application includes:
determining whether the loan application needs to be guaranteed or not according to the risk prevention and control level of the loan application;
and if the guarantee is needed, sending a guarantee contract to the lender and the corresponding guarantor through a communication interface of the blockchain to form the financial wind control alliance.
In one example, the nodes of the blockchain include at least a financial institution and one or more of a financial regulatory institution, a lender, and a vouchers.
In one example, further comprising: and carrying out intelligent fusion on the financial wind control alliances corresponding to the plurality of loan applications to guarantee the sit-together responsibility.
In one example, further comprising: and the communication interface of the block chain acquires the score information and the teacher comment of the lender from an education management department so that the financial institution determines whether to send the learning-aid loan to the lender.
A second aspect of the embodiments of the present invention provides a system for building a financial wind control alliance based on a block chain, including: a user terminal, a loan server terminal and a guarantee server terminal, wherein,
the user side is used for a lending party to send a loan application to the lending server side through the user side and feed back a message sent by the lending server side;
the loan server is used for determining a financial institution accepting the loan application and a risk prevention and control level according to the loan application to form a financial wind control alliance;
the guarantee service end is used for receiving a guarantee contract sent by the loan service end under the condition that the loan application needs guarantee and feeding back the guarantee contract to the loan service end, and the guarantee contract is one of the messages sent by the loan service end.
A third aspect of an embodiment of the present invention provides an apparatus for building a financial wind-control alliance based on a block chain, including:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
receiving a loan application sent by a lender through a communication interface of a block chain, and determining the risk prevention and control level of the loan application according to the loan application;
and determining a financial wind control union according to the risk prevention and control level of the loan application.
A fourth aspect of the embodiments of the present invention provides a non-volatile computer storage medium for building a financial wind control alliance based on a block chain, where computer-executable instructions are stored, and the computer-executable instructions are configured to:
receiving a loan application sent by a lender through a communication interface of a block chain, and determining the risk prevention and control level of the loan application according to the loan application;
and determining a financial wind control union according to the risk prevention and control level of the loan application.
The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:
the distributed storage technology based on the block chain makes up the problem that fused data in the traditional technology is easy to be tampered, the information distribution and broadcasting based on the block chain technology can effectively solve the problems of information disclosure and sharing among financial institutions and guarantee subjects, meanwhile, the traceability of the block chain technology is strong, traceability can be conducted when a financial wind control alliance has problems, and responsibility is clear.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
FIG. 1 is a schematic flow chart of a method provided by embodiments of the present disclosure;
fig. 2 is a schematic diagram of an apparatus framework provided in an embodiment of the present disclosure.
Detailed Description
In order to make the objects, technical solutions and advantages of the present disclosure more apparent, the technical solutions of the present disclosure will be clearly and completely described below with reference to the specific embodiments of the present disclosure and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all of the embodiments. All other embodiments obtained by a person skilled in the art without making any inventive step based on the embodiments in the description belong to the protection scope of the present application.
The technical solutions provided by the embodiments of the present application are described in detail below with reference to the accompanying drawings.
The embodiment of the application provides a method and a corresponding scheme for constructing a financial wind-control alliance based on a block chain, the problem that fused data are easy to tamper in the traditional technology is solved by a distributed storage technology based on the block chain, the problems of information disclosure and sharing among financial institutions and guarantee main bodies can be effectively solved by information distribution and broadcasting based on the block chain technology, meanwhile, the traceability of the block chain technology is strong, traceability can be carried out when the financial wind-control alliance has problems, and responsibility is clear.
Fig. 1 is a schematic flow chart of a method provided in an embodiment of the present disclosure. As shown, the method comprises:
s101, receiving a loan application sent by a lender through a communication interface of a block chain, and determining a risk prevention and control level of the loan application according to the loan application;
and determining a financial wind control union according to the risk prevention and control level of the loan application.
The block chain is a chain data structure formed by combining data blocks in a sequential connection mode according to a time sequence, and is a distributed account book which is guaranteed in a cryptographic mode and cannot be tampered and forged. Although the underlying technology of blockchains has been developed for many years, it has not been possible to achieve effective application in a particular scenario.
According to the embodiment of the invention, the blockchain is provided with the intelligent contract for managing the financial loan and the financial risk control management, and the intelligent contract is an automatically operated script which is deployed on the blockchain and has the characteristic of being transparent due to the fact that the intelligent contract is arranged on the blockchain. A user presets rules through an intelligent contract so as to write data into a block chain and acquire data browsing permission, and disclosure of privacy information is avoided to a great extent. Of course, the smart contracts are not the only implementation manner of the present application, and are set correspondingly according to different blockchain platforms, such as an ethernet house, a super book, and the like.
According to a specific embodiment of the present invention, in step S101, the receiving, through a communication interface of a block chain, a loan application sent by a lender, and determining a risk prevention and control level of the loan application according to the loan application includes: and determining a financial institution providing financial loan transaction according to the loan application of the loan party, and calculating the risk prevention and control level of the loan application through a wind control model of the financial institution.
Specifically, the information in the off-chain storage database is called to be matched with the loan party through an intelligent contract arranged on the block chain, whether the business operation information of the loan party exists in the off-chain storage database or not is detected, and if the business operation information exists in the off-chain storage database, the risk prevention and control level of the loan application is calculated through a wind control model of the financial institution.
The method comprises the steps that when a loan party A carries out loan for the first time, business operation information of the loan party A does not exist in an out-of-chain storage database, after the loan party A carries out loan business application, a block chain stores acquired business data of the loan party A in a certain time into the out-of-chain storage database, when the loan party A carries out loan again, an intelligent contract is matched with the business operation data of the loan party A, after the matching is successful, the timeliness of the business operation data is detected, if the timeliness meets requirements, a wind control calculation model of a financial institution is used, and the risk prevention and control level of the loan application is calculated through the business operation data.
The block chain and the off-chain storage are in a symbiotic relationship, for some data, high-value and key data parts exist on the chain, low-value and bulky parts exist on the off-chain storage, and the two parts are associated together by using a certain unique id. The out-of-chain storage may store plaintext data, or may store encrypted data. The off-chain encryption storage is to encrypt the data and store the data in the off-chain storage, and to give the key to the block chain for management. To decrypt the data in storage, authorization must be applied to the blockchain, and after authorization, the decryption key can be obtained, and then the data in storage encrypted outside the chain can be decrypted
In other embodiments, the business operation data of the lender is obtained by trusting endorsement, such as by some information disclosure platform.
More specifically, the financial institution for providing financial loan service determined according to the loan application of the lender comprises: and packaging the loan application sent by the lender into blocks, writing the blocks into the block chain, and broadcasting the blocks to other financial institutions in the block chain so as to avoid repeated acceptance of the loan application.
Through the block chain technology, each relatively independent financial institution is connected, and each loan application is written into the block chain and broadcasted.
According to an embodiment of the present invention, in step S102, the determining a financial wind control union according to the risk prevention and control level of the loan application includes: determining whether the loan application needs to be guaranteed or not according to the risk prevention and control level of the loan application; and if the guarantee is needed, sending a guarantee contract to the lender and the corresponding guarantor through a communication interface of the blockchain to form the financial wind control alliance.
Specifically, assume that the risk prevention and control levels include three levels, low, medium, and high; when the loan application of the loan party is calculated by the corresponding financial institution and the risk prevention and control level is low, the loan application does not need to be guaranteed; if the loan application of the loan party is of a middle-level risk prevention and control level calculated by the corresponding financial institution, the loan application needs a security party to carry out security, and the security party and the loan party form a financial wind control union after agreeing with a security contract; if the loan application of the loan party is high-grade by the risk prevention and control level calculated by the corresponding financial institution, the loan application needs one or more security parties to carry out security, and the financial wind control alliance is formed after all the parties agree with the security contract.
In some preferred embodiments of the present invention, the method provided by the embodiments of the present invention further includes: and carrying out intelligent fusion on the financial wind control alliances corresponding to the plurality of loan applications to guarantee the sit-together responsibility. Specifically, the principal of each financial pneumatic federation, i.e., lender, guarantor and financial institution, is determined through data analysis and statistical techniques. Taking a local government as an example, because the government provides guarantee for a plurality of enterprises, the risk of bad accounts of the loan may be increased, the relevance of each financial wind control alliance is determined through the contact ratio of the main body of each financial wind control alliance, the relevance reaches a certain threshold value and is fused, if a bad account appears in the plurality of financial wind control alliances which are mutually related, a sitting-in-seat mechanism is implemented, and loan application projects corresponding to the plurality of financial wind control alliances are locked.
According to the specific embodiment of the present invention, the setting of the nodes of the block chain is not particularly limited, and the block chain may be a block chain established between financial institutions, or a block chain established by a financial regulatory institution or a government department, a lender, and a guarantor.
According to the embodiment of the invention, the method can also be applied to providing students with learning-aid loans, and endorsements are performed for the achievements and daily performances of the students through schools, and particularly, the method comprises the following steps: and the communication interface of the block chain acquires the score information and the teacher comment of the lender from an education management department so that the financial institution determines whether to send the learning-aid loan to the lender.
Based on the same idea, some embodiments of the present application further provide a system, an apparatus, and a non-volatile computer storage medium corresponding to the above method.
Some embodiments of the present application provide a system for building a financial wind-control alliance based on a block chain corresponding to fig. 1, including: the system comprises a user side, a loan server side and a guarantee server side.
And the user side is used for a lending party to send a loan application to the lending service side through the user side and feed back the message sent by the lending service side.
The loan server is used for determining a financial institution accepting the loan application and a risk prevention and control level according to the loan application to form a financial wind control alliance; in order for the financial institution to determine whether to loan application for loan.
The guarantee service end is used for receiving a guarantee contract sent by the loan service end under the condition that the loan application needs guarantee and feeding back the guarantee contract to the loan service end, and the guarantee contract is one of the messages sent by the loan service end.
Fig. 2 is a schematic diagram of an equipment framework provided in an embodiment of the present specification, and an apparatus for building a financial wind-control alliance based on a blockchain includes:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
receiving a loan application sent by a lender through a communication interface of a block chain, and determining the risk prevention and control level of the loan application according to the loan application;
and determining a financial wind control union according to the risk prevention and control level of the loan application.
Some embodiments of the present application provide a non-transitory computer storage medium corresponding to fig. 1 for building a financial wind-control alliance based on a blockchain, the medium storing computer-executable instructions configured to:
receiving a loan application sent by a lender through a communication interface of a block chain, and determining the risk prevention and control level of the loan application according to the loan application;
and determining a financial wind control union according to the risk prevention and control level of the loan application.
The embodiments in the present application are described in a progressive manner, and the same and similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the device and media embodiments, the description is relatively simple as it is substantially similar to the method embodiments, and reference may be made to some descriptions of the method embodiments for relevant points.
The device and the medium provided by the embodiment of the application correspond to the method one to one, so the device and the medium also have the similar beneficial technical effects as the corresponding method, and the beneficial technical effects of the method are explained in detail above, so the beneficial technical effects of the device and the medium are not repeated herein.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is directed to methods, apparatus (systems), and computer program products according to embodiments of the present invention
A flowchart and/or block diagram of an article. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (10)
1. A method for building a financial wind-control alliance based on a block chain is characterized by comprising the following steps:
receiving a loan application sent by a lender through a communication interface of a block chain, and determining the risk prevention and control level of the loan application according to the loan application;
and determining a financial wind control union according to the risk prevention and control level of the loan application.
2. The method of claim 1, wherein receiving a loan application sent by a lender through a communication interface of a blockchain, determining a risk prevention level of the loan application based on the loan application, comprises:
and determining a financial institution providing financial loan transaction according to the loan application of the loan party, and calculating the risk prevention and control level of the loan application through a wind control model of the financial institution.
3. The method of claim 2, wherein determining the financial institution offering the financial loan transaction based on the lender's loan application comprises:
and packaging the loan application sent by the lender into blocks, writing the blocks into the block chain, and broadcasting the blocks to other financial institutions in the block chain so as to avoid repeated acceptance of the loan application.
4. The method of claim 1, wherein determining a financial wind-control league based on the risk prevention and control level of the loan application comprises:
determining whether the loan application needs to be guaranteed or not according to the risk prevention and control level of the loan application;
and if the guarantee is needed, sending a guarantee contract to the lender and the corresponding guarantor through a communication interface of the blockchain to form the financial wind control alliance.
5. The method of claim 1, wherein the nodes of the blockchain include at least a financial institution and one or more of a financial regulatory institution, a lender, and a vouchers.
6. The method of claim 1, further comprising: and carrying out intelligent fusion on the financial wind control alliances corresponding to the plurality of loan applications to guarantee the sit-together responsibility.
7. The method of claim 1, further comprising: and the communication interface of the block chain acquires the score information and the teacher comment of the lender from an education management department so that the financial institution determines whether to send the learning-aid loan to the lender.
8. A system for building a financial wind-controlled alliance based on a blockchain, comprising: a user terminal, a loan server terminal and a guarantee server terminal, wherein,
the user side is used for a lending party to send a loan application to the lending server side through the user side and feed back a message sent by the lending server side;
the loan server is used for determining a financial institution accepting the loan application and a risk prevention and control level according to the loan application to form a financial wind control alliance;
the guarantee service end is used for receiving a guarantee contract sent by the loan service end under the condition that the loan application needs guarantee and feeding back the guarantee contract to the loan service end, and the guarantee contract is one of the messages sent by the loan service end.
9. An apparatus for building a financial wind-controlled alliance based on a blockchain, comprising:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
receiving a loan application sent by a lender through a communication interface of a block chain, and determining the risk prevention and control level of the loan application according to the loan application;
and determining a financial wind control union according to the risk prevention and control level of the loan application.
10. A non-transitory computer storage medium for building a financial wind-control league based on a blockchain, the computer storage medium storing computer-executable instructions configured to:
receiving a loan application sent by a lender through a communication interface of a block chain, and determining the risk prevention and control level of the loan application according to the loan application;
and determining a financial wind control union according to the risk prevention and control level of the loan application.
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