CN111626688A

CN111626688A - New rural infrastructure financing scheme based on block chain technology

Info

Publication number: CN111626688A
Application number: CN202010292596.2A
Authority: CN
Inventors: 蒲金才
Original assignee: Individual
Current assignee: Individual
Priority date: 2020-04-13
Filing date: 2020-04-13
Publication date: 2020-09-04

Abstract

The invention provides a new rural infrastructure financing scheme based on a block chain technology, which firstly proposes a convenient financing mode of large property right small investment by taking the block chain technology as a core, segmenting the property right of the rural infrastructure after the property right is determined to realize the uplink of the property right, and transferring the property value to a general certificate after large property investment is segmented into tiny parts. By means of the block chain technology, property right segmentation can be achieved, fund security of investors can be better guaranteed, and the fund guarantee of users is not infringed, transactions can not be tampered, data is published and audited, and the like. The invention can be applied to various rural infrastructure projects, in particular to the investment of the rural infrastructure projects of long-term fixed asset types. The popularization of the invention is beneficial to the liquidity of Chinese folk funds and the construction of new rural infrastructure.

Description

New rural infrastructure financing scheme based on block chain technology

Technical Field

The invention belongs to the financial field of a block chain technology, and relates to a system for realizing investment and financing and income return of new rural infrastructure based on the block chain technology.

Abstract of the specification

The invention provides a new rural infrastructure financing scheme based on a block chain technology, provides a platform operating system and belongs to the financial field of the block chain technology. The method mainly solves the social problems that investment channels are single, risk and income are unequal, financial capital investment is blocked, and rural collective industry economic strength is difficult to support infrastructure construction in rural infrastructure construction. By means of the block chain technology, the technical problems that in the long time in the past, in the financing process of rural infrastructure, quantification is difficult, segmentation is difficult, investment is difficult, and income is difficult to be divided into red are solved. The scheme is mainly established through a distributed account book technology and a block chain financial platform in a block chain technology. The scheme is highly suitable for being used mainly in any project needing investment and financing requirements in the construction process of new rural infrastructure, not only can provide necessary fund support for the project, but also can quickly realize project profit sharing for investors through a block chain technology.

Background

The block chaining technique cryptographically concatenates and protects concatenated text records (also known as blocks) of content. Each block contains the cryptographic hash of the previous block, the corresponding time stamp, and transaction data (typically represented by hash values computed using the merkler tree algorithm), which is designed to make the contents of the block tamper-resistant. The distributed account book concatenated by the block chain technology can effectively record the transaction by two parties and permanently check the transaction.

The pass is a meaning that the pass is a token (temporary) in computer authentication, and a meaning that the pass is a token in lexical analysis. Generally, the system is used as an invitation and login system. A token, representing an object of rights to perform certain operations, an Access token (Access pass) representing a system object that accesses the body of the control operation.

The general evidence is used as a mapping object of the asset value in the system, has corresponding asset value and investment value, can be used for operations such as transaction, consumption, conversion and the like in the running process of the system, and has general functions of points in a mall system.

Possession of a credential is equivalent to having a claim for a certain type of resource on the blockchain. The evidence is equivalent to having the right to vote and use a certain amount of resources that the system can provide.

The title right confirmation refers to the process that in the process of rural infrastructure construction, a designated construction project obtains the asset certification approved by national laws for the project by a legal procedure under the permission of a national or local government, and records accounting and generates a corresponding value evidence through auditing, evaluating and data right confirmation of asset certification materials, namely the title right confirmation.

The rural online shopping mall has the same operation function as an electronic commerce platform, is a platform for providing online transactions for local agricultural enterprises or individuals, and is a management environment for establishing a virtual network space for carrying out commerce activities on the Internet and ensuring smooth operation of the commerce. Agricultural enterprises or individuals can make full use of shared resources such as network infrastructure, payment platforms, security platforms, management platforms and the like provided by the platform to effectively develop own transaction activities at low cost.

Local financing needs are primarily focused on modern farming and animal husbandry and enterprises. The two local parties put the focus and attention points on the promotion of the village revivification strategy in the industry, and the development industry is considered to drive the optimization and the upgrade of the local industry, promote the employment and income increase of the farmers and herdsmen, increase the local financial income and provide financial support for promoting the village revivification. The mortgage guarantee shortage of the agriculture and animal husbandry enterprises and the novel business bodies, the financial institutions 'talk about enterprise color change' and 'talk about large color change', which are common to the agriculture-related enterprises and the novel business bodies, have the problems of difficult loan, high interest rate, short period, complicated procedures and the like.

Aiming at the problems, a novel investment and financing scheme is provided by combining modern financial science and technology means and block chain technology according to a basic idea innovation financing mode of 'government leading + enterprise subject + market operation', and assistance is provided for agricultural infrastructure construction according to the scheme.

The scheme is a scheme for fully knowing the measure deployment and the key field of the village reviving strategy of each level of party, mastering the financial requirement for implementing the village reviving strategy, actively connecting the policy and the requirement of the government and serving the village reviving strategy.

Disclosure of Invention

In order to realize the scheme, the invention provides a new rural infrastructure construction scheme based on a block chain technology, provides a platform operating system and belongs to the financial field of the block chain technology. The method mainly solves the social problems that investment channels are single, risk and income are unequal, financial capital investment is blocked, and rural collective industry economic strength is difficult to support infrastructure construction in rural infrastructure construction. By means of the block chain technology, the technical problems that in the long time in the past, in the financing process of rural infrastructure, quantification is difficult, segmentation is difficult, investment is difficult, and income is difficult to be divided into red are solved. The scheme is mainly established through a distributed account book technology and a block chain financial platform in a block chain technology. The scheme is highly suitable for being used mainly in any project needing investment and financing requirements in the construction process of new rural infrastructure, not only can provide necessary fund support for the project, but also can quickly realize project profit sharing for investors through a block chain technology.

The invention adopts the following technical scheme:

the invention discloses a system scheme structure overview of infrastructure construction, which is shown in the attached figure 1:

according to the system scheme, after the property right of infrastructure construction is confirmed and linked through a block chain technology, audit evaluation and right confirmation are carried out on the asset construction, and then the total investment and financing share is segmented to the certificate of receipt. The system comprises a management layer, a service layer, an application layer and other structural layers, and comprises a rural infrastructure financial platform, a commercial city on a farming line, a financial basic project, an audit, a property right, a certificate issuing and node management system plate and other system plates on the aspect of specific functions, wherein a specified user management plate is arranged on the aspects of user management and certificate issuing. The invention not only emphasizes the financial reform of rural infrastructure, but also manages the safety of the investment assets of the user, the user can not only check the basic state of the investment project and the actual situation of the capital assets through the mobile equipment, but also can carry out procedures such as transfer, transaction and the like on the assets of the user, and meanwhile, the transaction records can be inquired and published in a blockchain browser and cannot be falsified.

Furthermore, the enterprise top system management platform in the management layer is an enterprise participating in or responsible for implementation and construction of a designated agricultural infrastructure, and is an enterprise driving local rural production and income creation through construction of the infrastructure, and a systematic platform for managing implementation of the type of project is provided for the enterprises.

Furthermore, the agricultural industry ecological planning in the management layer is a part for planning and implementing the project construction process according to the project construction and rural economic transformation process, and plays a key guiding role and an implementation supervision role in the construction and financing process of the whole project.

Furthermore, the economic structure directly influences the agricultural economy in the process of constructing special agricultural and rural products, processed products, agricultural and rural economy and other rural infrastructure in the service layer and after the infrastructure is successfully constructed. These business panels will provide agricultural products, agricultural processes, agricultural economies, tertiary industry services based on agricultural economies, including but not limited to travel economy, etc., during the implementation. The business plate will be embodied in a shopping mall on the agricultural line, and reference is made to fig. 2.

Furthermore, the user interface in the application layer refers to a user interface displayed when a user logs in a rural infrastructure financial platform through a computer, including a notebook computer, ipad, a mobile phone and the like, the user can complete basic services such as purchase certification, transaction certification, exchange certification, shopping mall consumption and the like provided by the platform through the interface, and can complete various financial management type services based on the certification through financial basic items, and specifically refer to fig. 2.

Furthermore, the blockchain data center and the distributed financial system in the application layer refer to property right confirmation, data chaining and data publicity of the general evidence mobile transaction data in the platform industry, and meanwhile, other user data such as consumption behaviors of the user in the platform and the like are collected, sorted and summarized. The distributed financial system is used for making different and reasonable bonus awards for the users according to the contribution degree of the users participating in the evidence-passing flow. In addition, the project bonus profit can be adjusted macroscopically appropriately according to different degrees of project proceeding.

Furthermore, in the new rural infrastructure construction scheme based on the block chain, the operation architecture of the rural infrastructure financial platform is as shown in fig. 2:

furthermore, after the rural industrial infrastructure obtains the corresponding property value through government approval, and official credit endorsement is carried out on the project, property right confirmation is carried out on the part of the obtained evidence, and uplink publication is carried out on the value.

Furthermore, according to the disclosed right of public equity, the block chain system is based on issuing the corresponding value of the certificate, the total amount of the issuance is determined by the certificate price, and the formula follows: the total amount of value is X Tong price.

Furthermore, after the issued certificates are disclosed in a fair way, a concept of node management is introduced in the certificate sales process, and targeted profit awards are carried out on the contribution of the nodes in the promotion process. Including but not limited to promotional commissions, higher financial returns, etc.

Furthermore, the sold general certificate can be used for consumption and use in the shopping mall on the agricultural production line, and products or services of first, second and third industries related to agriculture can be used in the range of the rural infrastructure construction including but not limited to rural specialty, processed products, rural economy, tourism and the like.

Further, the income gained through financial infrastructure and the capital income gained through the marts on the agricultural production line will be returned to the rural infrastructure financial platform for increasing the more extensive construction plan for the rural industrial infrastructure.

Compared with the existing project of the rural infrastructure construction integration scheme, the invention has the following obvious advantages: the invention is a new rural infrastructure construction scheme based on the block chain technology, and is a financial infrastructure scheme provided for new rural infrastructure construction. Through the scheme, the problems of difficulty in construction capital and the like of rural infrastructures can be better solved, a large capital problem is planned, steps are split into a plurality of small blocks, and the investment threshold of the rural infrastructures is reduced. Meanwhile, in the investment process, a user can more quickly enjoy short-term income return brought by infrastructure construction, a query platform with public and fair income distribution and income proportion is provided through a block chain technology, and the problems of difficult return in the conventional rural technical facility investment process and the like are solved.

The invention can solve the fund problem in the construction process of new rural infrastructure, can provide a specific execution mode aiming at the investment return problem of the user participating in the construction of the rural infrastructure, and can realize the fund return problem of short investment and short income. Providing rural infrastructure (water conservancy, improvement of human living environment and the like) and cash flow project financing mode. In order to solve the problems that the rural highway, water conservancy, rural human living environment improvement and other public infrastructures do not generate cash flow and have no repayment source, the method binds the projects of the rural highway and the like with the crown rights, development rights, operation rights, agricultural capital integration and the like which can be utilized by the project, or packs the projects integrally with the operational projects to generate sufficient cash flow and repayment cost.

Drawings

FIG. 1 is a schematic diagram of a block chain-based rural infrastructure construction scheme system

FIG. 2 is a block chain-based rural infrastructure construction scheme system and platform implementation schematic

Detailed Description

The invention is further described below with reference to the accompanying drawings:

as shown in figure 1

A block chain-based rural infrastructure construction scheme system structure comprises a management layer, a service layer, an application layer and other structural layers, and comprises a rural infrastructure financial platform, a rural on-line mall, a financial infrastructure project, audit, property right confirmation, evidence distribution, node management and other system blocks on the aspect of specific functions, wherein specified user management blocks are arranged on the aspects of user management and evidence distribution. The invention not only emphasizes the financial reform of rural infrastructure, but also manages the safety of the investment assets of the user, the user can not only check the basic state of the investment project and the actual situation of the capital assets through the mobile equipment, but also can carry out procedures such as transfer, transaction and the like on the assets of the user, and meanwhile, the transaction records can be inquired and published in a blockchain browser and cannot be falsified.

In this embodiment, the top-level system management platform of the enterprise in the management layer is an enterprise that participates in or is responsible for implementation and construction of a designated agricultural infrastructure, and the enterprise that drives local rural production and revenue generation is realized through the construction of the infrastructure, and a systematic platform for managing implementation of the type of project is provided for the enterprises.

In the embodiment, the agricultural industry ecological planning in the management layer is a part for planning and implementing the project construction process according to the project construction and rural economic transformation process, and plays a key role in guiding, implementing and supervising the whole project in the construction and financing process.

In the embodiment, the economic structure directly influences the agricultural economy in the construction process of the special products of the rural areas, the processed products, the rural economy and other rural infrastructures in the service layer and after the construction of the infrastructures is successful. These business panels will provide agricultural products, agricultural processes, agricultural economies, tertiary industry services based on agricultural economies, including but not limited to travel economy, etc., during the implementation. The business plate will be embodied in a shopping mall on the agricultural line, and reference is made to fig. 2.

In this embodiment, the user interface in the application layer refers to a user interface displayed when a user logs in a rural infrastructure financial platform through a computer, including a notebook computer, an ipad, a mobile phone, and the like, the user can complete basic services such as purchase certification, transaction certification, exchange certification, shopping mall consumption, and the like provided by the platform through the interface, and can complete various financial management type services based on the certification through financial basic items, which specifically refers to fig. 2.

In this embodiment, the blockchain data center and the distributed financial system in the application layer refer to property right confirmation, data uplink and data announcement of the mobile transaction data for the evidence passing, and meanwhile, collect, sort and summarize other user data such as consumption behaviors of the user in the platform. The distributed financial system is used for making different and reasonable bonus awards for the users according to the contribution degree of the users participating in the evidence-passing flow. In addition, the project bonus profit can be adjusted macroscopically appropriately according to different degrees of project proceeding.

The invention is further described below with reference to fig. 2:

in the embodiment, after the rural industrial infrastructure obtains the corresponding property value through government approval, and the project is officially credited, the property right of the part obtained and proved is confirmed, and the value of the part is uplink disclosed.

In this embodiment, based on the block chain system, the disclosed right to issue a voucher of equal value, the total amount of issuance is determined by the voucher price, and the formula follows: the total amount of value is X Tong price.

In the embodiment, after the issued permit is disclosed in a fair way, a concept of node management is introduced in the process of permit sales, and targeted profit-oriented rewards are carried out on contributions of the nodes in the process of popularization. Including but not limited to promotional commissions, higher financial returns, etc.

In this embodiment, the marketing evidence can be used for consumption and use in commercial cities on the agricultural production line, and can be used for products or services of first, second and third industries related to agriculture under the construction of the rural infrastructure including but not limited to special products in rural areas, processed products, rural economy, tourism and the like.

In this embodiment, the revenue obtained through the financial infrastructure and the capital revenue obtained through the mall on the agricultural production line will be returned to the rural infrastructure financial platform for adding more scale construction plans to the rural industrial infrastructure.

In the embodiment, compared with the existing project of the rural infrastructure construction integration scheme, the invention has the following obvious advantages: the invention is a new rural infrastructure construction scheme based on the block chain technology, and is a financial infrastructure scheme provided for new rural infrastructure construction. Through the scheme, the problems of difficulty in construction capital and the like of rural infrastructures can be better solved, a large capital problem is planned, steps are split into a plurality of small blocks, and the investment threshold of the rural infrastructures is reduced. Meanwhile, in the investment process, a user can more quickly enjoy short-term income return brought by infrastructure construction, a query platform with public and fair income distribution and income proportion is provided through a block chain technology, and the problems of difficult return in the conventional rural technical facility investment process and the like are solved.

According to the scheme, the existing rural infrastructure construction is analyzed and recombined, the blockchain technology is combined with the traditional investment and financing system, the blockchain technology is utilized to transmit information, the accreditation data of asset property rights and the chaining of the trading data of the shopping mall are realized, and the production of the data and the data chaining are simultaneously solved. The authenticity and the non-falsification of data are ensured, the encryption level of business data in transmission and application is increased by using the distributed ledger, and the safety of assets and user funds is enhanced.

The technical solutions of the present invention or those skilled in the art except similar technical solutions are provided under the initiation of the hormone and the protocol of the present invention, so as to achieve the above technical effects, all of which fall within the scope of the present invention.

Claims

1. A new rural infrastructure financing scheme based on a block chain technology has a core function of realizing a system for investment and financing and return of revenue of the new rural infrastructure based on the block chain technology. According to the system scheme, after the property right of infrastructure construction is confirmed and linked through a block chain technology, audit evaluation and right confirmation are carried out on the asset construction, and then the total investment and financing share is segmented to the certificate of receipt. The system comprises a management layer, a service layer, an application layer and other structural layers, and comprises a rural infrastructure financial platform, a commercial city on a farming line, a financial basic project, an audit, a property right, a certificate issuing and node management system plate and other system plates on the aspect of specific functions, wherein a specified user management plate is arranged on the aspects of user management and certificate issuing. The invention not only emphasizes the financial reform of rural infrastructure, but also manages the safety of the investment assets of the user, the user can not only check the basic state of the investment project and the actual situation of the capital assets through the mobile equipment, but also can carry out procedures such as transfer, transaction and the like on the assets of the user, and meanwhile, the transaction records can be inquired and published in a blockchain browser and cannot be falsified.

2. The new rural infrastructure financing scheme based on blockchain technology as claimed in claim 1, wherein the main functional platform is a rural infrastructure finance platform, the user can use the related functions of the platform through hardware devices such as notebook computer, IPAD, mobile phone, etc., and can realize the operation and storage of commercial data information, the user and the business can realize the management of free assets and information through the designated member system and the mall management system, and the manager can macroscopically regulate and control the various display functions of the platform through the management layer, but the new rural infrastructure finance platform based on blockchain technology has no ability of regulating and controlling any user and business assets through the background.

3. The block chain based rural infrastructure financial platform of claim 1, wherein the platform consists essentially of a financial infrastructure and two large blocks of rural on-line shopping malls and audit authority and traffic distribution business processes of the infrastructure. The platform can issue strictly specified number of certificates for the market through the right audit assessment of the infrastructure platform, and then solve the construction of rural infrastructures through certificate for certificate sales. Meanwhile, the general certificate can be circulated in financial basic projects to realize various financial projects based on the general certificate, and can also be circulated in commercial city blocks on rural lines to consume various products and services under the basic facilities.

4. An audit and title confirmation as claimed in claim 1 wherein the audit is a commercial value assessment of a rural infrastructure approved or dominated or suggested for renovation by a country or government or enterprise including but not limited to the required financing total for the infrastructure, directly or indirectly contributed economic return, increased employment population, production value earnings for the region and the like. The title right confirmation means that after the built-up value and the financing scale of the infrastructure are officially authenticated, the infrastructure is provided with a certificate of title material or a certificate of construction suggestion and then uplink right confirmation is carried out.

5. The passport distribution of claim 1, wherein the passport is a designated number of passports generated by a blockchain technique based on the value of the infrastructure property after the chain of the rural infrastructure property warrants, the total value of the passports is equal to the value of the infrastructure property, wherein the total value of the passports is the price of the passports X the number of passports. Once the total amount of the partial evidence is generated, the amount can not be increased, the amount can not be tampered, and the transaction flow is transparent. The distribution means that on a rural infrastructure financial platform, a user can purchase a certificate generated by right of the rural infrastructure property right, and the purchase quantity is purchase funding divided by a certificate price. The user can realize small investment on rural infrastructure items by purchasing the generated general evidence.

6. The node management of claim 1, wherein the node management is to expand market impact and autonomously advertise and expand market effects when performing certification distribution on a rural infrastructure financial platform. Through the labor division management of nodes at all levels, the method can play a role of self-owned word sending on a platform to provide ecological mobility for projects. The node manager is also a project facultative manager, can play a role in increasing market confidence and educating market investors on projects, and meanwhile, for the payment of the node manager, the rural infrastructure financial platform can give preferential benefits and rewards in a targeted manner.

7. The financial infrastructure of the new rural infrastructure financial platform based on blockchain technology as claimed in claim 2, wherein the financial infrastructure is a financing project of rural infrastructure construction, the rural infrastructure construction is an infrastructure approved and licensed by local government or provincial government or country, and the rural infrastructure construction has a certain property right before or after construction to pass the certified chain. After the title of the rural infrastructure project on the designated chain of the certificates is confirmed, the certificates issuing the designated number and price are acquired, and the certificates can flow in the financial infrastructure project and enjoy the income by holding.

8. The rural online mall in new rural infrastructure financial platform based on blockchain technology as claimed in claim 2, wherein the rural online mall means that the evidence obtained from the investor in the financial infrastructure is used for the commercial activities such as product purchase or service purchase of the online mall. Wherein the rural on-line shopping mall primarily displays and sells products or services related to the infrastructure, facilitating the liquidity of the certificates and the presentability of the rural infrastructure construction. The mall has the same functions and transaction capabilities as the common e-commerce transaction platform, and only exchanges through the use of the certificate.