CN111580960A - Industrial chain financial management method and device based on block chain and storage medium - Google Patents
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Abstract
The invention provides an industrial chain financial management method, a device and a storage medium based on a block chain, wherein in a resource scheduling block chain, the resource scheduling block chain is used for scheduling resources according to an intelligent contract issued by an industrial chain financial participant, and the method comprises the following steps: receiving a resource scheduling request of a service block chain, wherein the service block chain is used for generating a service request intelligent contract according to an industrial chain financial service request and issuing a resource scheduling request according to the service request intelligent contract; and scheduling the resources of the financial participants of the industrial chain according to the resource scheduling request so as to enable the service block chain to complete the service. By implementing the invention, different resource scheduling block chains are linked, the full scene depiction of the financial business of the industrial chain is realized, the comprehensive traceability of the fund flow, the business flow and the logistics is completed, the organic integration of the funds and the assets in different states of a plurality of parties and the full chain is realized, and the management capability of the industrial chain finance with more complex business relation and more diversified fund requirements is improved.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to an industrial chain financial management method and device based on a block chain and a storage medium.
Background
The industry chain finance is a service mode that a financial institution is based on a core enterprise of an industry chain, designs personalized and standardized financial service products aiming at each link of the industry chain and provides a comprehensive solution for all enterprises on the whole industry chain.
In the related art, a single block chain is adopted to manage an industrial chain financial system, but with the continuous expansion of industrial chain finance, the business relationship of the industrial chain finance is more complex and the fund demand is more diversified, and the single block chain cannot meet the industrial chain financial system with the more complex business relationship and the more diversified fund demand.
Disclosure of Invention
Therefore, the technical problem to be solved by the present invention is to overcome the defect that a single blockchain in the prior art cannot meet the industrial chain financial system with more complex business relationship and more diversified capital requirements, so as to provide a method, an apparatus and a storage medium for industrial chain financial management based on blockchains.
According to a first aspect, the present embodiment provides a block chain-based industrial chain financial management method, which is applied to a resource scheduling block chain, where the resource scheduling block chain is used to perform resource scheduling according to an intelligent contract issued by an industrial chain financial participant, and includes: receiving a resource scheduling request of a business block chain, wherein the business block chain is used for generating a business request intelligent contract according to an industrial chain financial business request and issuing a resource scheduling request according to the business request intelligent contract; and scheduling the resources of the financial participants of the industry chain according to the resource scheduling request so as to enable a service block chain to complete the service.
Optionally, the scheduling, according to the resource scheduling request, the resource of the industry chain financial participant so that the service block chain completes the service includes: obtaining scoring results of the industry chain financial participants, wherein the scoring results are obtained by scoring a plurality of industry chain financial participants according to business data conditions; and acquiring corresponding resources from the industry chain financial participants meeting the grading requirements.
Optionally, the scheduling, according to the resource scheduling request, the resource of the industry chain financial participant so that the service block chain completes the service includes: judging whether the resource scheduled by the resource scheduling request meets a safety condition; and when the resource scheduled by the resource scheduling request does not meet the safety condition, early warning is carried out on the service.
Optionally, the resource scheduling block chain includes: credit resource block chain, capital resource block chain, business resource block chain, asset resource block chain.
According to a second aspect, the present embodiment provides an industrial chain financial management apparatus based on a block chain, which is applied to a resource scheduling block chain, where the resource scheduling block chain is configured to perform resource scheduling according to an intelligent contract issued by an industrial chain financial participant, and includes: the resource scheduling request receiving module is used for receiving a resource scheduling request of a business block chain, wherein the business block chain is used for generating a business request intelligent contract according to an industry chain financial business request and issuing a resource scheduling request according to the business request intelligent contract; and the resource scheduling module is used for scheduling the resources of the financial participants of the industry chain according to the resource scheduling request so as to enable the service block chain to complete the service.
Optionally, the resource scheduling module includes: the scoring result acquisition module is used for acquiring scoring results of the industrial chain financial participants, and the scoring results are obtained by scoring the industrial chain financial participants according to business data conditions; and the resource acquisition module is used for acquiring corresponding resources from the industry chain financial participants meeting the grading requirements.
Optionally, the resource scheduling module includes: the safety condition judging module is used for judging whether the resources scheduled by the resource scheduling request meet the safety conditions or not; and the early warning module is used for early warning the service when the resource scheduled by the resource scheduling request does not meet the safety condition.
Optionally, the resource scheduling block chain includes: credit resource block chain, capital resource block chain, business resource block chain, asset resource block chain.
According to a third aspect, the present embodiment provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the program to implement the steps of the block chain based industry chain financial management method according to the first aspect or any of the embodiments of the first aspect.
According to a fourth aspect, the present embodiment provides a storage medium having stored thereon computer instructions, which when executed by a processor, implement the steps of the method for block chain based industry chain financial management according to the first aspect or any of the embodiments of the first aspect.
The technical scheme of the invention has the following advantages:
according to the block chain-based industrial chain financial management method/device provided by the embodiment of the invention, through combination of industrial chain finance and a multi-block chain, different resource scheduling block chains are linked, so that the whole scene depiction of industrial chain financial business is realized, the comprehensive traceability of fund flow, business flow and logistics can be completed, the organic integration of funds and assets in different states of multiple parties and a whole chain is realized, and the management capability of industrial chain finance with more complex business relation and more diversified fund requirements is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
FIG. 1 is a flowchart illustrating an example of a block chain-based industry chain financial management method according to an embodiment of the present invention;
FIG. 2 is a block chain-based industrial chain financial management apparatus according to an embodiment of the present invention;
FIG. 3 is a schematic block diagram of a specific example of a blockchain-based industry chain financial management apparatus according to an embodiment of the present invention;
fig. 4 is a schematic block diagram of a specific example of an electronic device in the embodiment of the present invention.
Detailed Description
The technical solutions of the present invention will be described clearly and completely with reference to the accompanying drawings, and it should be understood that the described embodiments are some, but not all embodiments of the present invention. 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 invention.
In the description of the present invention, it should be noted that the terms "center", "upper", "lower", "left", "right", "vertical", "horizontal", "inner", "outer", etc., indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience of description and simplicity of description, but do not indicate or imply that the device or element being referred to must have a particular orientation, be constructed and operated in a particular orientation, and thus, should not be construed as limiting the present invention. Furthermore, the terms "first," "second," and "third" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance.
In the description of the present invention, it should be noted that, unless otherwise explicitly specified or limited, the terms "mounted," "connected," and "connected" are to be construed broadly, e.g., as meaning either a fixed connection, a removable connection, or an integral connection; can be mechanically or electrically connected; the two elements may be directly connected or indirectly connected through an intermediate medium, or may be communicated with each other inside the two elements, or may be wirelessly connected or wired connected. The specific meanings of the above terms in the present invention can be understood in specific cases to those skilled in the art.
In addition, the technical features involved in the different embodiments of the present invention described below may be combined with each other as long as they do not conflict with each other.
The embodiment provides an industrial chain financial management method based on a block chain, as shown in fig. 1, which is applied to a resource scheduling block chain, where the resource scheduling block chain is used to perform resource scheduling according to an intelligent contract issued by an industrial chain financial participant, and includes:
s110, receiving a resource scheduling request of a service block chain, wherein the service block chain is used for generating a service request intelligent contract according to an industry chain financial service request and issuing a resource scheduling request according to the service request intelligent contract.
Illustratively, to guarantee the progress of the service, several elements need to be satisfied: the first must be based on real business, so need the business data of the core enterprise as the support, reflect the business portrait, the business data includes financial data, mes data, erp data, etc.; secondly, an appropriate enterprise credit or credit investigation means is required, so that an enterprise credit or guarantee credit increase means is established; third, assets are needed to be pledged, so the asset data can come from storage, logistics, order storage, and the like; finally, capital data is needed to ensure that the transaction is completed by the transfer of funds or tickets. Therefore, the resource scheduling request may be a service data scheduling request, an enterprise credit resource scheduling request, an asset scheduling request, a fund scheduling request, and the like in industry chain finance, and according to different resource scheduling requests, different resource scheduling block chains exist for resource scheduling.
According to the different resource scheduling requests, as shown in fig. 2, the resource scheduling block chain corresponding to the industry chain finance may include a credit resource block chain, a business resource block chain, a capital resource block chain, and an asset resource block chain. For example, when the resource scheduling request is a service data scheduling request, the service resource block chain receives the service data scheduling request; when the resource scheduling request is an enterprise credit resource scheduling request, the credit resource block chain receives the enterprise credit resource scheduling request; when the resource scheduling request is a fund scheduling request, the fund resource block chain receives the fund scheduling request; and when the resource scheduling request is an asset scheduling request, the asset resource block chain receives the asset scheduling request.
The received resource scheduling request of the service block chain is issued by a service request intelligent contract of the service block chain. In the service block chain, generating a corresponding service request intelligent contract according to an industrial chain financial service request to be completed, wherein the service request intelligent contract is provided with resource information to be scheduled and industrial chain financial participant information. For example, for a supply chain financial service, the service block chain generates a service request intelligent contract which specifies that a provider, a logistics provider, a bank and a core enterprise must participate in the service at the same time, and service data, enterprise credit data, asset data and fund data of the provider, the logistics provider, the bank and the core enterprise need to be acquired, and at this time, different resource scheduling block chains receive corresponding service data scheduling requests, enterprise credit resource scheduling requests, asset scheduling requests and fund scheduling requests.
And S120, scheduling the resources of the financial participants of the industrial chain according to the resource scheduling request so as to enable the service block chain to complete the service.
For example, the resource of the industry chain financial participant can be scheduled by a cross-chain technology such as a side chain technology or an agent technology. Still taking the above-mentioned service as an example, as shown in fig. 2, after the credit resource block chain, the fund resource block chain, the service resource block chain, and the asset resource block chain receive the corresponding resource scheduling request, the credit resource block chain schedules the credit investigation information, the three-party guarantee information, and the like of the enterprise; the fund resource block chain schedules fund transfer information and credit transfer information of different core enterprises; the business resource block chain schedules business data of different core enterprises; the asset resource block chain schedules the warehouse logistics information and the order warehouse receipt information, and transfers different resources to the corresponding resource block chain to enable the business block chain to complete business, so that all business processes from an order stage, a raw material purchasing stage, a raw material warehousing stage, a product in process stage, a commodity inventory stage, a selling stage and a money returning stage are completed.
According to the block chain-based industrial chain financial management method provided by the embodiment of the invention, the industrial chain finance is combined with the multi-block chain, different resource scheduling block chains are linked, the whole scene depiction of the industrial chain financial business is realized, the comprehensive traceability of fund flow, business flow and logistics can be completed, the organic integration of funds and assets in different states of multiple parties and a whole chain is realized, and the management capability of industrial chain finance with more complex business relation and more diversified fund requirements is improved.
As an optional implementation manner of this embodiment, step S120 includes:
firstly, obtaining the scoring result of the industrial chain financial participants, wherein the scoring result is obtained by scoring a plurality of industrial chain financial participants according to the service data condition.
Illustratively, the scoring result is obtained by each industry chain financial participant according to the condition of the business data of each time, and the scoring mode can be that other industry chain financial participants judge whether the business data of the industry chain financial participant is consistent with the business data of the industry chain financial participant, if not, the scoring is reduced, otherwise, the scoring is increased. The scoring results of the industry chain financial participants can be stored locally in each industry chain financial participant, or can be stored in a third-party block chain, and the obtaining mode can be obtained according to a chain crossing technology such as a side chain technology or an agent technology.
For an industry chain financial transaction request, there may be multiple industry chain financial participants, for example, loan party a initiates a loan transaction to a bank, which requires a guarantee party to guarantee the loan transaction, and there may be multiple guarantee parties A, B, C willing to guarantee it. At this point, the score of the guarantor A, B, C is obtained through a cross-chaining technique.
And secondly, acquiring corresponding resources from the industry chain financial participants meeting the grading requirements.
Illustratively, the scoring requirements are different according to different service types, in this embodiment, the scoring requirements may be to select the highest-scoring industry chain financial participant, and the specific scoring requirements are not limited in this embodiment, and can be determined by those skilled in the art as needed.
Still taking the loan service as an example, the resource scheduling blockchain obtains scores of A, B, C of a plurality of guarantors, assuming that the score of the guarantor a is 80, the score of the guarantor B is 70, and the score of the guarantor C is 90, when the score requirement is the highest score, the guarantor C determines to be the industry chain financial participant in the loan service, and the resource scheduling blockchain obtains the resource of the guarantor C.
According to the block chain-based industrial chain financial management method provided by the embodiment of the invention, whether the scoring result meets the scoring requirement is judged by obtaining the scoring result of the industrial chain financial participants, corresponding resources are obtained only in the industrial chain financial participants meeting the scoring requirement, the industrial chain financial participants not meeting the scoring requirement are excluded, the industrial chain financial service risk can be effectively avoided, and the safety of the industrial chain financial service is improved.
As an optional implementation manner of this embodiment, step S120 includes:
firstly, judging whether the resource scheduled by the resource scheduling request meets the safety condition;
for example, the manner of determining whether the resource scheduled by the resource scheduling request satisfies the security condition may be that, by checking the ledger, when the ledger records that the resource scheduled by the resource scheduling request has been operated by a pledge/mortgage, and the like, it is determined that the resource does not satisfy the security condition. The embodiment does not limit the specific manner of whether the safety condition is satisfied, and a person skilled in the art can determine the safety condition as needed.
Secondly, when the resource scheduled by the resource scheduling request does not meet the safety condition, the service is early warned.
Illustratively, when the resource scheduled by the resource scheduling request is mortgage/pledged, the resource does not meet the safety condition, and the service is early-warned at the moment. The early warning may be by sending an alert to an industry chain financial participant and prompting the user that the service request is dangerous. The embodiment does not limit the early warning mode, and a person skilled in the art can determine the early warning mode according to needs.
According to the block chain-based industrial chain financial management method provided by the embodiment of the invention, whether the resources scheduled by the resource scheduling request meet the safety condition is judged, and when the resources do not meet the safety condition, early warning is carried out, so that the problem of repeated mortgage/pledge in the business is avoided, the associated risk between financial participants of the industrial chain can be early warned in time, the business risk is further reduced, and the business safety is improved.
The embodiment provides an industrial chain financial management device based on a block chain, which is applied to a resource scheduling block chain, where the resource scheduling block chain is used for performing resource scheduling according to an intelligent contract issued by an industrial chain financial participant, as shown in fig. 3, the device includes:
the resource scheduling request receiving module 210 is configured to receive a resource scheduling request of a service block chain, where the service block chain is configured to generate a service request intelligent contract according to an industry chain financial service request, and issue a resource scheduling request according to the service request intelligent contract. The specific implementation manner is shown in the corresponding part of step S110 of the method of this embodiment, and is not described herein again.
And the resource scheduling module 220 is configured to schedule resources of financial participants of the industry chain according to the resource scheduling request, so that the service block chain completes the service. The specific implementation manner is shown in the corresponding part of step S120 of the method of this embodiment, and is not described herein again.
The block chain-based industrial chain financial management device provided by the embodiment of the invention realizes the full scene depiction of industrial chain financial business by combining the industrial chain finance and the multi-block chain and linking different resource scheduling block chains, can complete the comprehensive tracing of fund flow, business flow and logistics, realizes the organic integration of funds and assets in different states of multiple parties and a full chain, and improves the management capability of industrial chain finance with more complex business relation and more diversified fund demand.
As an optional implementation manner of this embodiment, the resource scheduling module 220 includes:
the scoring result acquisition module is used for acquiring scoring results of the industrial chain financial participants, and the scoring results are obtained by scoring the plurality of industrial chain financial participants according to the service data condition; the specific implementation manner is shown in the corresponding part of the method of the embodiment, and is not described herein again.
And the resource acquisition module is used for acquiring corresponding resources from the industry chain financial participants meeting the grading requirements. The specific implementation manner is shown in the corresponding part of the method of the embodiment, and is not described herein again.
According to the block chain-based industrial chain financial management device provided by the embodiment of the invention, whether the scoring result meets the scoring requirement is judged by obtaining the scoring result of the industrial chain financial participants, the corresponding resources are obtained only from the industrial chain financial participants meeting the scoring requirement, the industrial chain financial participants not meeting the scoring requirement are excluded, the industrial chain financial service risk can be effectively avoided, and the safety of the industrial chain financial service is improved.
As an optional implementation manner of this embodiment, the resource scheduling module 220 includes:
the safety condition judging module is used for judging whether the resources scheduled by the resource scheduling request meet the safety conditions or not; the specific implementation manner is shown in the corresponding part of the method of the embodiment, and is not described herein again.
And the early warning module is used for early warning the service when the resource scheduled by the resource scheduling request does not meet the safety condition. The specific implementation manner is shown in the corresponding part of the method of the embodiment, and is not described herein again.
According to the block chain-based industrial chain financial management device provided by the embodiment of the invention, whether the resource scheduled by the resource scheduling request meets the safety condition is judged, and when the resource does not meet the safety condition, early warning is carried out, so that the problem of repeated mortgage/pledge in the business is avoided, the associated risk between financial participants of the industrial chain can be early warned in time, the business risk is further reduced, and the business safety is improved.
As an optional implementation manner of this embodiment, the resource scheduling block chain includes: credit resource block chain, capital resource block chain, business resource block chain, asset resource block chain. The specific implementation manner is shown in the corresponding part of the method of the embodiment, and is not described herein again.
The embodiment of the present application also provides an electronic device, as shown in fig. 4, including a processor 310 and a memory 320, where the processor 310 and the memory 320 may be connected by a bus or in another manner.
Processor 310 may be a Central Processing Unit (CPU). The Processor 310 may also be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, or any combination thereof.
The memory 320 is a non-transitory computer readable storage medium, and can be used for storing non-transitory software programs, non-transitory computer executable programs, and modules, such as program instructions/modules corresponding to the method for financial management of a blockchain-based industry chain in the embodiment of the present invention. The processor executes various functional applications and data processing of the processor by executing non-transitory software programs, instructions, and modules stored in the memory.
The memory 320 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created by the processor, and the like. Further, the memory may include high speed random access memory, and may also include non-transitory memory, such as at least one disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, memory 320 may optionally include memory located remotely from the processor, which may be connected to the processor via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The one or more modules are stored in the memory 320 and, when executed by the processor 310, perform a blockchain-based industry chain financial management method as in the embodiment of fig. 1.
The details of the electronic device may be understood with reference to the corresponding related description and effects in the embodiment shown in fig. 1, and are not described herein again.
The embodiment also provides a computer storage medium, wherein the computer storage medium stores computer executable instructions, and the computer executable instructions can execute the industrial chain financial management method based on the block chain in any method embodiment. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a Flash Memory (Flash Memory), a Hard disk (Hard disk Drive, abbreviated as HDD), a Solid State Drive (SSD), or the like; the storage medium may also comprise a combination of memories of the kind described above.
It should be understood that the above examples are only for clarity of illustration and are not intended to limit the embodiments. Other variations and modifications will be apparent to persons skilled in the art in light of the above description. And are neither required nor exhaustive of all embodiments. And obvious variations or modifications therefrom are within the scope of the invention.
Claims (10)
1. The industrial chain financial management method based on the block chain is applied to a resource scheduling block chain, the resource scheduling block chain is used for carrying out resource scheduling according to an intelligent contract issued by an industrial chain financial participant, and the method comprises the following steps:
receiving a resource scheduling request of a business block chain, wherein the business block chain is used for generating a business request intelligent contract according to an industrial chain financial business request and issuing a resource scheduling request according to the business request intelligent contract;
and scheduling the resources of the financial participants of the industry chain according to the resource scheduling request so as to enable a service block chain to complete the service.
2. The method of claim 1, wherein scheduling resources of financial participants of the industry chain for a business blockchain to complete the business according to the resource scheduling request comprises:
obtaining scoring results of the industry chain financial participants, wherein the scoring results are obtained by scoring a plurality of industry chain financial participants according to business data conditions;
and acquiring corresponding resources from the industry chain financial participants meeting the grading requirements.
3. The method of claim 1, wherein scheduling resources of financial participants of the industry chain for a business blockchain to complete the business according to the resource scheduling request comprises:
judging whether the resource scheduled by the resource scheduling request meets a safety condition;
and when the resource scheduled by the resource scheduling request does not meet the safety condition, early warning is carried out on the service.
4. The method of claim 1, wherein the resource scheduling block chain comprises: credit resource block chain, capital resource block chain, business resource block chain, asset resource block chain.
5. The industrial chain financial management device based on the block chain is applied to a resource scheduling block chain, and the resource scheduling block chain is used for performing resource scheduling according to an intelligent contract issued by an industrial chain financial participant, and comprises the following steps:
the resource scheduling request receiving module is used for receiving a resource scheduling request of a business block chain, wherein the business block chain is used for generating a business request intelligent contract according to an industry chain financial business request and issuing a resource scheduling request according to the business request intelligent contract;
and the resource scheduling module is used for scheduling the resources of the financial participants of the industry chain according to the resource scheduling request so as to enable the service block chain to complete the service.
6. The apparatus of claim 5, wherein the resource scheduling module comprises:
the scoring result acquisition module is used for acquiring scoring results of the industrial chain financial participants, and the scoring results are obtained by scoring the industrial chain financial participants according to business data conditions;
and the resource acquisition module is used for acquiring corresponding resources from the industry chain financial participants meeting the grading requirements.
7. The apparatus of claim 5, wherein the resource scheduling module comprises:
the safety condition judging module is used for judging whether the resources scheduled by the resource scheduling request meet the safety conditions or not;
and the early warning module is used for early warning the service when the resource scheduled by the resource scheduling request does not meet the safety condition.
8. The apparatus of claim 5, wherein the resource scheduling block chain comprises: credit resource block chain, capital resource block chain, business resource block chain, asset resource block chain.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the blockchain based industry chain financial management method of any one of claims 1 to 4 when executing the program.
10. A storage medium having stored thereon computer instructions, which when executed by a processor, perform the steps of the blockchain-based industry chain financial management method of any of claims 1 to 4.
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| CN112347752A (en) * | 2020-11-16 | 2021-02-09 | 中国信息通信研究院 | Autonomous drawing management method and device for industrial chain |
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