CN111539680A - Supply chain financial system and method based on block chain - Google Patents

Supply chain financial system and method based on block chain Download PDF

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CN111539680A
CN111539680A CN202010271770.5A CN202010271770A CN111539680A CN 111539680 A CN111539680 A CN 111539680A CN 202010271770 A CN202010271770 A CN 202010271770A CN 111539680 A CN111539680 A CN 111539680A
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supply chain
management module
financing
submodule
contract
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王禹晟
梁志超
陈鸿刚
吴旭
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Jiangsu Peerfintech Technology Co ltd
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Jiangsu Peerfintech Technology Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
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    • G06Q30/00Commerce
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    • GPHYSICS
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    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0633Lists, e.g. purchase orders, compilation or processing
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
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Abstract

The invention discloses a supply chain financial system and a method based on a block chain, which comprises the following steps: the order management module is used for managing order requirements on the upstream of a supply chain downstream to match with optimal resources for production, and comprises a project requirement submodule, a requirement decomposition submodule and an order summarizing submodule; and the contract management module is used for confirming both trading and financing parties when the trading or financing action in the supply chain occurs. The invention mainly relieves the capital pressure of small and micro enterprises such as contractors, suppliers and the like in supply chain finance, ensures the integrity and authenticity of information by using an informationized new technology, leads a capital party to control and supervise the supply chain more easily, and ensures the return of capital, thereby reducing the practical difficulty and risk of supply chain finance, effectively promoting the development of supply chain finance, activating market economy and constructing a more perfect economic credit system.

Description

Supply chain financial system and method based on block chain
Technical Field
The invention belongs to the technical field of finance and supply chains, and particularly relates to a supply chain finance system and a supply chain finance method based on a block chain.
Background
In recent years, with international and domestic prevalence of credit trade, businesses upstream of the supply chain are generally under pressure of shortage of funds and dilemma of extended account periods. Meanwhile, as market competition is intensified, competition among single enterprises is transforming into competition among supply chains, and the interdependence degree of all the parties in the same supply chain is deepened. Under the background, supply chain financial services aiming at enhancing the supply chain viability, improving the supply chain capital operation efficiency and reducing the overall supply chain management cost are rapidly developed.
However, as the supply chain finance involves more participants, the parties are difficult to trust, the information transmission rate is slow, false certificates are easy to appear due to interests, and it is difficult to judge which link or party is responsible when economic disputes occur, so that the existing supply chain finance mode is difficult to be accepted by various types of participants.
The embodiment of the invention provides a system and a method suitable for supply chain finance, wherein the supply chain finance system mainly combines a core enterprise, a capital party, an e-commerce platform and a supplier to participate together, key evidences such as trade contracts and the like are recorded in the system, and information is synchronized to related parties in time, so that the information is transparent, and the financial risk is reduced. By reasonably distributing benefits to all parties, the participants are encouraged to join the supply chain financial model based on the system, so that the fund flow is promoted, and a more complete supply chain financial system is constructed.
Disclosure of Invention
The present invention is directed to solving the problems of the background art and provides a supply chain financial system and method based on a block chain.
The technical scheme adopted by the invention is as follows:
a blockchain-based supply chain financial system, comprising:
the order management module is used for managing order requirements on the upstream of a supply chain downstream to match with the optimal resources for production, and comprises a project requirement submodule, a requirement decomposition submodule and an order summarizing submodule.
The contract management module is used for generating related contracts and intelligent contracts through confirmation of both trading and financing parties when trading or financing behaviors in a supply chain occur, and comprises a project contract submodule, a subcontracting contract submodule and a summary purchasing contract submodule.
The goods and materials management module is used for recording and sharing the transportation and storage conditions of goods and materials and comprises a goods and materials delivery sub-module, a goods and materials transfer sub-module and a goods and materials receiving and confirming sub-module.
The fund management module is used for controlling all fund flow and debt flow in a supply chain and providing sufficient financial support for a supplier, and comprises an accounts receivable management sub-module, a financing application sub-module, a financing and paying sub-module, a money return sub-module and a profit distribution sub-module.
Preferably, the order management module, the contract management module, the material management module and the fund management module use a blockchain system as a bottom technical support to ensure the authenticity of data information.
Preferably, the contract management module records the generated contract content to the blockchain system, generates and executes the intelligent contract through the blockchain, and automatically executes the contracted operation when the intelligent contract condition is met.
Preferably, the material management module records the material flow in the blockchain system, and shares information with each related participant.
Preferably, the fund management module generates and circulates the digital assets by using the blockchain system so as to identify the circulation and financing process of the receivable accounts and complete the tracing of the receivable account sources.
Preferably, the fund management module generates and executes an intelligent contract during financing by using the block chain, and realizes automatic fund payment, automatic profit distribution after fund withdrawal and point-to-point payment.
A method of a blockchain-based supply chain financial system, comprising: the method comprises the following steps:
s1, the core enterprise informs the project contractor of the project requirement and signs the project contract;
s2, the project contractor analyzes the project requirement, decomposes the raw material to be purchased, orders the raw material to the E-commerce platform and generates an original order;
s3, the E-commerce platform collects the decomposed demands of the plurality of project contractors and intensively purchases the suppliers to generate an E-commerce order;
s4, after the supplier receives the order, the supplier sends out the corresponding goods, and the E-commerce platform re-splits and combines the goods and sends the goods to the contractor of the original order;
s5, the supplier provides financing application to the fund side;
s6, the capital side signs a financing contract together with the core enterprise, the contractor, the E-commerce platform and the like after the audit is passed, and puts the capital into the account of the co-management platform of the E-commerce platform and the capital side;
s7, after the E-commerce platform confirms, the financing money is placed into the supplier;
s8, the contractor finishes the project;
s9, the core enterprise pays the project money to the fund party for refund;
s10, the funding party pays the contractor the contracted profit.
Preferably, the project contract and the financing contract are deposited and published to the relevant party, and the profit allocation submodule automatically executes profit allocation after financing and refund according to financing conditions of the intelligent contract.
In summary, due to the adoption of the technical scheme, the invention has the beneficial effects that:
the invention mainly relieves the capital pressure of small and micro enterprises such as contractors, suppliers and the like in supply chain finance, ensures the integrity and authenticity of information by using an informationized new technology, leads a capital party to control and supervise the supply chain more easily, and ensures the return of capital, thereby reducing the practical difficulty and risk of supply chain finance, effectively promoting the development of supply chain finance, activating market economy and constructing a more perfect economic credit system.
Drawings
FIG. 1 is a flow chart of the system of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Example 1:
as shown in fig. 1, the supply chain finance system based on the block chain provided in this embodiment mainly improves supply chain finance modes and practice ways, ensures authenticity and permeability of information data, reduces risk of financing of a fund party in the supply chain, and helps a small-medium-sized enterprise in the supply chain to obtain financing loans of the fund party more easily. The embodiment is based on the block chain technology, a distributed accounting mode is adopted, all key behaviors and data generated by all parties in supply chain financial activities are recorded, the intelligent contract technology of the block chain enables contracts in the supply chain financial process to be more smooth and convenient, and the fairness and the safety of the system are guaranteed through the public execution process and the data.
First, a blockchain system for a supply chain financial system is established, wherein the blockchain system comprises a plurality of nodes consisting of a core enterprise, an e-commerce platform, a fund party, a host bank and a borrower bank.
And then respectively establishing a corresponding supply chain financial system for each distributed block link point, wherein the supply chain financial system comprises an order management module, a contract management module, a material management module and a fund management module.
The specific supply chain financial system application method is as follows:
s1, the core enterprise informs the project contractor of the project requirement, and signs the project contract in the supply chain financial system, the block chain system generates the receivable account generated by the digital assets corresponding to the contract;
s2, the project contractor analyzes the project requirement, decomposes the raw material needed to be purchased, orders the raw material to the E-commerce platform, the supply chain financial system generates an original order, records the original order on the block chain, and transfers the digital assets on the block chain to the E-commerce platform;
s3, the E-commerce platform collects the decomposed demands of a plurality of project contractors and intensively purchases the suppliers, a supply chain financial system generates an E-commerce order and records the order on a block chain, and digital assets are transferred to the suppliers;
s4, the supplier sends out corresponding goods after receiving the order, the E-commerce platform re-splits and combines the goods and sends the goods to the contractor of the original order, wherein the logistics process is recorded in the supply chain financial system;
s5, the supplier provides financing application to the fund party through the supply chain financial system, and the fund party can check the quantity and source of the digital assets owned by the supplier;
s6, the capital side signs a financing contract together with the core enterprise, the contractor, the E-commerce platform and the like after the audit is passed, the capital is input into a common management platform account of the E-commerce platform and the capital side, the block chain system generates related intelligent contracts, and the processes of loan, monitoring, reimbursement, distribution and the like of financing are executed;
s7, after the E-commerce platform confirms, financing money is placed to a supplier, the money placing process is recorded in a supply chain financial system, and digital assets are transferred to a fund side;
s8, the contractor finishes the project;
s9, the core enterprise pays the project money to the fund side account to complete the refund;
s10, the supply chain financial system automatically pays the contractor agreed profit based on the accounts received from the funding party account and the contents of the relevant intelligent contracts, while destroying the relevant digital assets in the blockchain system.
According to the supply chain financial system and method based on the block chain, optimization and improvement are performed aiming at the problems that data storage evidence is difficult, data transmission is opaque, and management and control are unreasonable and not in place in supply chain finance, and authenticity and safety of information are guaranteed. Based on the block chain technology, the trust among all the participants is enhanced by adopting a distributed accounting and construction method, the risk in the supply chain financial activity process is reduced, the efficiency of the whole process is improved, the fairness and the safety are ensured, the supply chain financial threshold is reduced, the supply chain financial market activity is facilitated, and the economic development is promoted.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.

Claims (8)

1. A blockchain-based supply chain financial system, comprising: the method comprises the following steps:
the order management module is used for managing order requirements on the upstream of a supply chain downstream to match with optimal resources for production, and comprises a project requirement submodule, a requirement decomposition submodule and an order summarizing submodule;
the contract management module is used for generating related contracts and intelligent contracts through confirmation of both trading and financing parties when trading or financing behaviors occur in a supply chain, and comprises a project contract submodule, a subcontracting contract submodule and a summary purchasing contract submodule;
the system comprises a material management module, a storage module and a management module, wherein the material management module is used for recording and sharing the transportation and storage conditions of materials and comprises a material delivery sub-module, a material transfer sub-module and a material receiving and confirming sub-module;
the fund management module is used for managing and controlling all fund flow and debt flow in a supply chain and comprises an accounts receivable management submodule, a financing application submodule, a financing and paying submodule, a refund submodule and a profit allocation submodule.
2. The supply chain financial system of claim 1, wherein: the order management module, the contract management module, the material management module and the fund management module use a block chain system as bottom technical support.
3. The blockchain-based supply chain financial system of claim 1, wherein: the contract management module records the generated contract content to the blockchain system, generates and executes the intelligent contract through the blockchain, and automatically executes the contracted operation when the intelligent contract condition is met.
4. The blockchain-based supply chain financial system of claim 1, wherein: the material management module records the material flow in the block chain system and shares information with all related parties.
5. The blockchain-based supply chain financial system of claim 1, wherein: the funds management module generates and circulates digital assets using a blockchain system to identify the flow and financing process for accounts receivable.
6. The blockchain-based supply chain financial system of claim 1, wherein: the fund management module generates and executes an intelligent contract in financing using the blockchain.
7. The method of claim 1, wherein the method further comprises: the method comprises the following steps:
s1, the core enterprise informs the project contractor of the project requirement and signs the project contract;
s2, the project contractor analyzes the project requirement, decomposes the raw material to be purchased, orders the raw material to the E-commerce platform and generates an original order;
s3, the E-commerce platform collects the decomposed demands of the plurality of project contractors and intensively purchases the suppliers to generate an E-commerce order;
s4, after the supplier receives the order, the supplier sends out the corresponding goods, and the E-commerce platform re-splits and combines the goods and sends the goods to the contractor of the original order;
s5, the supplier provides financing application to the fund side;
s6, the capital side signs a financing contract together with the core enterprise, the contractor, the E-commerce platform and the like after the audit is passed, and puts the capital into the account of the co-management platform of the E-commerce platform and the capital side;
s7, after the E-commerce platform confirms, the financing money is placed into the supplier;
s8, the contractor finishes the project;
s9, the core enterprise pays the project money to the fund party for refund;
s10, the funding party pays the contractor the contracted profit.
8. The method of claim 7, wherein the method further comprises: the project contract and the financing contract are stored and published to the relevant parties, and the profit distribution submodule automatically executes profit distribution after financing and refund according to financing conditions of the intelligent contract.
CN202010271770.5A 2020-04-08 2020-04-08 Supply chain financial system and method based on block chain Pending CN111539680A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113313337A (en) * 2020-10-10 2021-08-27 国网冀北电力有限公司物资分公司 Intelligent wind control system and management method for material management
CN114549020A (en) * 2022-02-11 2022-05-27 中国科学技术大学 Supply chain guarantee financing system based on electronic retail platform

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060095367A1 (en) * 2004-09-23 2006-05-04 Jorn Iverson System and method of supply chain procurement, settlement and finance
CN107423958A (en) * 2017-07-19 2017-12-01 林宝国 A kind of method settled accounts and paid the bill for engineering project class
CN108876587A (en) * 2018-01-03 2018-11-23 上海指旺信息科技有限公司 Supply chain financial platform and method based on block chain
CN109493235A (en) * 2018-12-29 2019-03-19 杭州趣链科技有限公司 A kind of supply chain financial system and its construction method based on block chain
CN110175903A (en) * 2019-04-12 2019-08-27 湖南大学 A kind of quotient's ticket financing method and device

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060095367A1 (en) * 2004-09-23 2006-05-04 Jorn Iverson System and method of supply chain procurement, settlement and finance
CN107423958A (en) * 2017-07-19 2017-12-01 林宝国 A kind of method settled accounts and paid the bill for engineering project class
CN108876587A (en) * 2018-01-03 2018-11-23 上海指旺信息科技有限公司 Supply chain financial platform and method based on block chain
CN109493235A (en) * 2018-12-29 2019-03-19 杭州趣链科技有限公司 A kind of supply chain financial system and its construction method based on block chain
CN110175903A (en) * 2019-04-12 2019-08-27 湖南大学 A kind of quotient's ticket financing method and device

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113313337A (en) * 2020-10-10 2021-08-27 国网冀北电力有限公司物资分公司 Intelligent wind control system and management method for material management
CN114549020A (en) * 2022-02-11 2022-05-27 中国科学技术大学 Supply chain guarantee financing system based on electronic retail platform

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Application publication date: 20200814