CN111724243A - Enterprise credit finance service system based on block chain - Google Patents
Enterprise credit finance service system based on block chain Download PDFInfo
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- CN111724243A CN111724243A CN202010510080.0A CN202010510080A CN111724243A CN 111724243 A CN111724243 A CN 111724243A CN 202010510080 A CN202010510080 A CN 202010510080A CN 111724243 A CN111724243 A CN 111724243A
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Abstract
The invention discloses an enterprise credit financial service system based on a block chain, which comprises block chain bottom data and a financial service module, wherein the financial service module runs on the block chain bottom data. The management system of the invention operates based on the data at the bottom of the block chain network, which is more convenient for asset right determination, reduces intermediate links, enables data intercommunication between core enterprises and small and medium-sized enterprises to be formed, is convenient for leaving data storage certificates, and is more convenient for credit management of small and medium-sized enterprises; the data trust of core enterprises and medium and small enterprises can be realized by the non-falsification characteristic of the block chain network, the credit risk in the transaction process is reduced, the transaction flow is simplified, the transaction efficiency is improved to a certain extent, and the possibility of bill counterfeiting and repeated pledge is also prevented by the transparency of the block chain; and the blockchain network establishes a point-to-point trust mechanism through a distributed account book framework mode, and can form a management platform with equal trust.
Description
Technical Field
The invention relates to the field of financial services, in particular to an enterprise credit financial service system based on a block chain.
Background
The bank manages the fund flow and logistics of small and medium-sized enterprises in the upstream and downstream around a core enterprise, converts the uncontrollable risk of a single enterprise into the overall controllable risk of the supply chain enterprise, and controls the risk to the lowest financial service by three-dimensionally acquiring various information.
Blockchains are a term of art in information technology. In essence, the system is a shared database, and the data or information stored in the shared database has the characteristics of 'unforgeability', 'whole-course trace', 'traceability', 'public transparency', 'collective maintenance', and the like. Based on the characteristics, the block chain technology lays a solid 'trust' foundation, creates a reliable 'cooperation' mechanism and has wide application prospect.
While in the supply chain financial service, the last right of authority is attributed to the core enterprise, and the small and medium-sized enterprises located at the downstream can not record the data into the credit institutions of the small and medium-sized enterprises through the distribution tasks of the upstream institutions, moreover, the core enterprise and the middle and downstream enterprises do not share information, so that the assets cannot be authenticated, the production qualification cannot be uploaded correctly, but also can not leave the production certificate of the upstream core enterprise, which causes the information not to be equal enough, and the existing supply chain financial chain is longer, the designed enterprises are numerous, the data is more dispersed, the transparency is low, the data model of the medium and small enterprises is difficult to establish, the timeliness in the financing process is restricted, and the supply chain is difficult to play credit function, and lacks complete measures for counting credit investigation and predicting risk, therefore, the enterprise credit financial service system based on the block chain is provided.
Disclosure of Invention
The invention aims to provide an enterprise credit financial service system based on a block chain, which solves the problems in the background technology.
In order to achieve the purpose, the invention provides the following technical scheme: a blockchain-based business credit financial services system comprising blockchain underlying data and financial services modules, the financial services modules operating on the blockchain underlying data, the blockchain network comprising core business entry nodes, bank entry nodes, supplier entry nodes, financial institution entry nodes, data entry nodes and third party platforms, the service system further comprising:
a registration module: the registration module is used for registering and applying a core enterprise, a bank with task distribution authority and a financial institution, generating a public key and a digital signature in an asymmetric key pair after the registration and application are completed, and storing information into a block chain network through a data entry node;
and (3) core enterprise task distribution: when a core enterprise needs to perform task allocation, integrating integral data, then performing block coding on the data, converting corresponding data into corresponding credit data for data distribution, and receiving qualified banks and financial institutions for data distribution, and then inputting the coded credit data into a block chain network through a core enterprise input node by the core enterprise for data storage;
and (3) bank credit statistics: the bank credit statistics is that credit conditions of financial institutions receiving the task allocation of the core enterprise and suppliers carrying out the task are recorded into the blockchain network for data storage, and the blockchain network feeds back the data to the core enterprise according to the task conditions of the core enterprise;
allocating tasks of the financial institution: the core enterprise distributes the tasks of the block codes to financial institutions with certain credit capability, the financial institutions perform centralized statistics on suppliers with credit task acceptance qualifications and distribute data to corresponding suppliers according to corresponding shares, after the tasks are distributed, the financial institutions record the distributed data into a block chain network through financial institution recording nodes for data storage, and the credit data of the financial institutions and the suppliers feed back the data recorded by banks to the core enterprise through the block chain network;
a supplier reception module: the supplier can execute the tasks distributed by the financial institutions, and after the supplier finishes the tasks, the supplier can obtain the block codes of the tasks issued by the core enterprises, and the obtained block codes are recorded into the block chain network for data storage through the supplier recording nodes;
a credit management module: the credit management module encodes tasks completed by each supplier through blocks of a core enterprise in the blockchain network and converts the tasks into credit levels for data storage, and records the credit data into the blockchain network again through the data recording node for data storage.
Preferably, the credit data in the blockchain network is displayed through a third-party platform.
Preferably, the bank credit statistics may confirm accounts receivable, bills and bills of the financial institutions and suppliers, and the like, thereby performing credit rating on the financial institutions and suppliers.
Preferably, enterprises of the same type in the block chain can form corresponding supply chain alliances, and a plurality of supply chain alliances exist in the block chain network, so that the credit rating can be more credible due to the fact that the credit rating range of the supply chain is enlarged.
Compared with the prior art, the invention has the beneficial effects that:
(1) the management system of the invention is operated based on the data at the bottom of the block chain network, so that the core enterprise and the downstream small and medium-sized enterprises can directly get in contact, the asset right determination can be more convenient, the intermediate links are reduced, the data intercommunication is formed between the core enterprise and the small and medium-sized enterprises, the data storage certificate can be left, the credit management of the small and medium-sized enterprises is more convenient, the core enterprise and the small and medium-sized enterprises can directly generate contact, and the small and medium-sized enterprises can directly participate in the supply chain financial service;
(2) the data trust of core enterprises and medium and small enterprises can be realized by utilizing the characteristic that the blockchain network cannot be tampered, the credit risk in the transaction process is reduced, the transaction flow is simplified, the transaction efficiency is improved to a certain extent, and the possibility of bill counterfeiting and repeated pledge is also prevented due to the transparency of the blockchain;
(3) and the blockchain network establishes a point-to-point trust mechanism through a distributed account book framework mode, so that a core enterprise and a small enterprise in a supply chain participate in a service more equally, and a management platform with equal trust can be constructed.
Drawings
FIG. 1 is a schematic diagram of the system of the present invention;
FIG. 2 is a block chain network and node connection structure of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1-2, the present invention provides a technical solution: a blockchain-based business credit financial services system comprising blockchain underlying data and financial services modules, the financial services modules operating on the blockchain underlying data, the blockchain network comprising core business entry nodes, bank entry nodes, supplier entry nodes, financial institution entry nodes, data entry nodes and third party platforms, the service system further comprising:
a registration module: the registration module is used for registering and applying a core enterprise, a bank with task distribution authority and a financial institution, generating a public key and a digital signature in an asymmetric key pair after the registration and application are completed, and storing information into a block chain network through a data entry node;
and (3) core enterprise task distribution: when a core enterprise needs to perform task allocation, integrating integral data, then performing block coding on the data, converting corresponding data into corresponding credit data for data distribution, and receiving qualified banks and financial institutions for data distribution, and then inputting the coded credit data into a block chain network through a core enterprise input node by the core enterprise for data storage;
and (3) bank credit statistics: the bank credit statistics is that credit conditions of financial institutions receiving the task allocation of the core enterprise and suppliers carrying out the task are recorded into the blockchain network for data storage, and the blockchain network feeds back the data to the core enterprise according to the task conditions of the core enterprise;
allocating tasks of the financial institution: the core enterprise distributes the tasks of the block codes to financial institutions with certain credit capability, the financial institutions perform centralized statistics on suppliers with credit task acceptance qualifications and distribute data to corresponding suppliers according to corresponding shares, after the tasks are distributed, the financial institutions record the distributed data into a block chain network through financial institution recording nodes for data storage, and the credit data of the financial institutions and the suppliers feed back the data recorded by banks to the core enterprise through the block chain network;
a supplier reception module: the supplier can execute the tasks distributed by the financial institutions, and after the supplier finishes the tasks, the supplier can obtain the block codes of the tasks issued by the core enterprises, and the obtained block codes are recorded into the block chain network for data storage through the supplier recording nodes;
a credit management module: the credit management module encodes tasks completed by each supplier through blocks of a core enterprise in the blockchain network and converts the tasks into credit levels for data storage, and records the credit data into the blockchain network again through the data recording node for data storage.
Preferably, the credit data in the blockchain network is displayed through a third-party platform.
Preferably, the bank credit statistics may confirm accounts receivable, bills and bills of the financial institutions and suppliers, and the like, thereby performing credit rating on the financial institutions and suppliers.
Preferably, enterprises of the same type in the block chain can form corresponding supply chain alliances, and a plurality of supply chain alliances exist in the block chain network, so that the credit rating can be more credible due to the fact that the credit rating range of the supply chain is enlarged.
The working principle is as follows: when the invention is used, the management system of the invention is operated based on the underlying data of the block chain network, so that a core enterprise and a downstream small and medium-sized enterprise are directly contacted, when the core enterprise needs to distribute tasks, the whole data is integrated, then the data is subjected to block coding, and the corresponding data is converted into corresponding credit data for data distribution, so that a qualified bank and a financial institution which can receive the distributed data can be received, and then the core enterprise records the coded credit data into the block chain network through a core enterprise recording node for data storage, thereby being more convenient for asset authority determination, reducing intermediate links, forming data intercommunication between the core enterprise and the small and medium-sized enterprise, leaving data evidence, and distributing the tasks of the block coding to the financial institution with certain credit capability, the financial institution can perform centralized statistics on suppliers with credit task acceptance qualifications and distribute data to corresponding suppliers according to corresponding shares, after the task distribution is completed, the financial institution can record the distributed data into the block chain network through a financial institution recording node for data storage, and the credit data of the financial institution and the suppliers feed back the data recorded by a bank to the core enterprise through the block chain network.
The related modules involved in the system are all hardware system modules or functional modules combining computer software programs or protocols with hardware in the prior art, and the computer software programs or the protocols involved in the functional modules are all known in the technology of persons skilled in the art, and are not improvements of the system; the improvement of the system is the interaction relation or the connection relation among all the modules, namely the integral structure of the system is improved, so as to solve the corresponding technical problems to be solved by the system.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (4)
1. A blockchain-based enterprise credit financial services system comprising blockchain underlying data and financial services modules, the financial services modules running on the blockchain underlying data, the system comprising: the block chain network comprises a core enterprise input node, a bank input node, a supplier input node, a financial institution input node, a data input node and a third-party platform, and the service system further comprises:
a registration module: the registration module is used for registering and applying a core enterprise, a bank with task distribution authority and a financial institution, generating a public key and a digital signature in an asymmetric key pair after the registration and application are completed, and storing information into a block chain network through a data entry node;
and (3) core enterprise task distribution: when a core enterprise needs to perform task allocation, integrating integral data, then performing block coding on the data, converting corresponding data into corresponding credit data for data distribution, and receiving qualified banks and financial institutions for data distribution, and then inputting the coded credit data into a block chain network through a core enterprise input node by the core enterprise for data storage;
and (3) bank credit statistics: the bank credit statistics is that credit conditions of financial institutions receiving the task allocation of the core enterprise and suppliers carrying out the task are recorded into the blockchain network for data storage, and the blockchain network feeds back the data to the core enterprise according to the task conditions of the core enterprise;
allocating tasks of the financial institution: the core enterprise distributes the tasks of the block codes to financial institutions with certain credit capability, the financial institutions perform centralized statistics on suppliers with credit task acceptance qualifications and distribute data to corresponding suppliers according to corresponding shares, after the tasks are distributed, the financial institutions record the distributed data into a block chain network through financial institution recording nodes for data storage, and the credit data of the financial institutions and the suppliers feed back the data recorded by banks to the core enterprise through the block chain network;
a supplier reception module: the supplier can execute the tasks distributed by the financial institutions, and after the supplier finishes the tasks, the supplier can obtain the block codes of the tasks issued by the core enterprises, and the obtained block codes are recorded into the block chain network for data storage through the supplier recording nodes;
a credit management module: the credit management module encodes tasks completed by each supplier through blocks of a core enterprise in the blockchain network and converts the tasks into credit levels for data storage, and records the credit data into the blockchain network again through the data recording node for data storage.
2. The blockchain-based enterprise credit financial services system of claim 1, wherein: and displaying the credit data in the block chain network through a third-party platform.
3. The blockchain-based enterprise credit financial services system of claim 1, wherein: the bank credit statistics may authorize accounts receivable, bills and bills, etc. of the financial institutions and suppliers to rate credit for the financial institutions and suppliers.
4. The blockchain-based enterprise credit financial services system of claim 1, wherein: enterprises of the same type in the block chain can form corresponding supply chain alliances, and a plurality of supply chain alliances exist in the block chain network, so that the trust range of the supply chain can be enlarged, and the credit level is more credible.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010510080.0A CN111724243A (en) | 2020-06-08 | 2020-06-08 | Enterprise credit finance service system based on block chain |
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| CN202010510080.0A CN111724243A (en) | 2020-06-08 | 2020-06-08 | Enterprise credit finance service system based on block chain |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113222517A (en) * | 2021-06-02 | 2021-08-06 | 华东交通大学 | Block chain-based sheet pledge system and method for marinated products |
| CN113536390A (en) * | 2021-06-25 | 2021-10-22 | 北京八分量信息科技有限公司 | Enterprise block chain service system based on trusted continuous immunity technology |
| CN113674080A (en) * | 2021-07-30 | 2021-11-19 | 湖南大学 | Block chain-based dynamic movable property pledge financing method, equipment and storage medium |
-
2020
- 2020-06-08 CN CN202010510080.0A patent/CN111724243A/en not_active Withdrawn
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113222517A (en) * | 2021-06-02 | 2021-08-06 | 华东交通大学 | Block chain-based sheet pledge system and method for marinated products |
| CN113222517B (en) * | 2021-06-02 | 2023-11-17 | 华东交通大学 | Warehouse sheet mortgage system and method for marinated products based on blockchain |
| CN113536390A (en) * | 2021-06-25 | 2021-10-22 | 北京八分量信息科技有限公司 | Enterprise block chain service system based on trusted continuous immunity technology |
| CN113674080A (en) * | 2021-07-30 | 2021-11-19 | 湖南大学 | Block chain-based dynamic movable property pledge financing method, equipment and storage medium |
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Application publication date: 20200929 |