CN112258318A - Block chain-based enterprise credit increase and financial institution credit granting method and system - Google Patents
Block chain-based enterprise credit increase and financial institution credit granting method and system Download PDFInfo
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- CN112258318A CN112258318A CN202011210001.0A CN202011210001A CN112258318A CN 112258318 A CN112258318 A CN 112258318A CN 202011210001 A CN202011210001 A CN 202011210001A CN 112258318 A CN112258318 A CN 112258318A
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Abstract
The invention discloses a block chain-based enterprise credit increase and financial institution credit granting method and system. The enterprise trust increasing method comprises the following steps: storing trade data of core enterprises and suppliers on a blockchain; the core enterprise sends a credit increase request to the financial institution and simultaneously mortises the trade data stored in the block chain to the financial institution; the core enterprise receives credit information of the financial institution; the supplier sends a borrowing request to the financial institution according to the credit information of the core enterprise, and receives the loan information of the financial institution; the supplier receives the trading data information of the pledge released by the financial institution after repayment to the financial institution. By adopting the method and the system, the enterprise credit increase is realized based on the block chain, and the increase and the efficient transmission of the core enterprise credit can be improved.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based enterprise credit increase and financial institution credit granting method and system.
Background
When an enterprise increases credit, the method generally adopted is that the enterprise provides a guaranteed financial institution to credit the enterprise, and the method is inefficient. With the development of the blockchain technology, how to increase the credit of the core enterprise entity and efficiently transfer the credit by using the blockchain technology is a problem to be solved urgently.
Disclosure of Invention
The invention aims to provide a block chain-based enterprise credit increase and financial institution credit granting method and system, which can realize the increase and efficient transmission of core enterprise main body credit.
In order to achieve the purpose, the invention provides the following scheme:
an enterprise trust increasing method based on a block chain comprises the following steps:
storing trade data of core enterprises and suppliers on a blockchain;
the core enterprise sends a credit increase request to a financial institution and simultaneously mortises trade data stored on a block chain to the financial institution;
the core enterprise receives credit information of the financial institution;
the supplier sends a borrowing request to the financial institution according to the credit information of the core enterprise, and receives the loan information of the financial institution;
the supplier receives the trading data information of the pledge released by the financial institution after repayment to the financial institution.
Optionally, the storing the trade data of the core enterprise and the supplier on the blockchain specifically includes:
and encrypting and packaging the trade data of the core enterprise and the supplier and storing the encrypted and packaged trade data on the blockchain.
The invention also provides an enterprise credit increasing system based on the block chain, which comprises the following steps:
the trade data uplink module is used for storing trade data of core enterprises and suppliers on the block chain;
the credit increase request module is used for enabling the core enterprise to send a credit increase request to a financial institution and simultaneously scratchs trade data stored on a block chain to the financial institution;
the credit granting information receiving module is used for realizing that the core enterprise receives the credit granting information of the financial institution;
the supplier borrowing module is used for realizing that a supplier sends a borrowing request to the financial institution according to the credit information of the core enterprise and simultaneously receives the loan information of the financial institution;
and the supplier payment module is used for receiving the released pledge trade data information of the financial institution after the supplier pays the financial institution.
Optionally, the trade data uplink module specifically includes:
and the encryption packaging unit is used for encrypting and packaging the trade data of the core enterprise and the supplier and then storing the encrypted and packaged trade data on the block chain.
The invention also provides a financial institution credit granting method based on the block chain, which comprises the following steps:
the financial institution acquires a credit increase request sent by a core enterprise and trade data stored on a block chain;
the financial institution carries out the pledge operation on the trade data stored on the block chain and sends credit granting information to the core enterprise;
the financial institution acquires a borrowing request sent by a supplier according to the credit information of the core enterprise and sends loan information to the supplier;
the financial institution obtains payment information of the supplier and releases the pledge trade data information to the core enterprise.
Optionally, the acquiring, by the financial institution, the credit increase request sent by the core enterprise and the trade data stored on the blockchain specifically includes:
the financial institution obtains and decrypts the credit-added request sent by the core enterprise and the trade data stored on the blockchain.
The invention also provides a financial institution credit granting system based on the block chain, which comprises:
the credit increase request acquisition module is used for realizing that the financial institution acquires the credit increase request sent by the core enterprise and the trade data stored on the block chain;
the credit granting information sending module is used for realizing the mortgage operation of the financial institution on the trade data stored on the block chain and sending credit granting information to the core enterprise;
the loan module is used for realizing that the financial institution acquires a borrowing request sent by a supplier according to the credit granting information of the core enterprise and sends loan information to the supplier;
and the pledge release module is used for realizing that the financial institution acquires repayment information of a supplier and releases pledge trade data information to the core enterprise.
Optionally, the trust increasing request obtaining module specifically includes:
and the decryption unit is used for realizing that the financial institution acquires and decrypts the credit increase request sent by the core enterprise and the trade data stored on the block chain.
Compared with the prior art, the invention has the beneficial effects that:
the invention provides an enterprise credit increasing method and system based on a block chain, wherein trade data of core enterprises and suppliers are stored on the block chain; the core enterprise sends a credit increase request to the financial institution and simultaneously mortises the trade data stored in the block chain to the financial institution; the core enterprise receives credit information of the financial institution; the supplier sends a borrowing request to the financial institution according to the credit information of the core enterprise, and receives the loan information of the financial institution; the supplier receives the trading data information of the pledge released by the financial institution after repayment to the financial institution. The method and the system realize enterprise credit increase based on the block chain, and can improve the increase and efficient transmission of the core enterprise credit.
In addition, the trade data of the core enterprise and the supplier are encrypted and packaged and then stored in the block chain, and the safety of the trade data can be guaranteed.
The invention also provides a financial institution credit granting method and system based on the block chain, wherein the financial institution acquires the credit increase request sent by the core enterprise and the trade data stored on the block chain; the financial institution carries out the pledge operation on the trade data stored on the block chain and sends credit information to the core enterprise; the financial institution acquires a borrowing request sent by a supplier according to the credit information of the core enterprise and sends loan information to the supplier; the financial institution acquires payment information of the supplier and releases the pledge trade data information to the core enterprise. The invention realizes the credit granting of the financial institution based on the block chain and can improve the credit granting efficiency of the financial institution.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings without inventive exercise.
Fig. 1 is a flowchart of an enterprise trust increasing method based on a block chain in an embodiment of the present invention;
fig. 2 is a block chain-based enterprise trust enhancing system structure diagram in the embodiment of the present invention;
FIG. 3 is a flow chart of a block chain-based financial institution credit granting method in an embodiment of the present invention;
FIG. 4 is a block chain-based financial institution credit granting system structure in an embodiment 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.
The invention aims to provide a block chain-based enterprise credit increase and financial institution credit granting method and system, which can realize the increase and efficient transmission of core enterprise main body credit.
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in further detail below.
Examples
Fig. 1 is a flowchart of an enterprise credit increase method based on a block chain in an embodiment of the present invention, and as shown in fig. 1, an enterprise credit increase method based on a block chain includes:
step 101: the trade data of the core enterprise and the supplier is stored on the blockchain.
and encrypting and packaging the trade data of the core enterprise and the supplier and storing the encrypted and packaged trade data on the blockchain.
Step 102: the core enterprise sends a credit-increase request to the financial institution and simultaneously mortises the trade data stored on the blockchain to the financial institution.
Step 103: the core enterprise receives the credit granting information of the financial institution.
Step 104: the supplier sends a borrowing request to the financial institution according to the credit information of the core enterprise, and receives the loan information of the financial institution.
Step 105: the supplier receives the trading data information of the pledge released by the financial institution after repayment to the financial institution.
Fig. 2 is a block chain-based enterprise credit increase system structure diagram in the embodiment of the present invention. As shown in fig. 2, an enterprise trust augmentation system based on a block chain includes:
and the trade data uplink module 201 is used for storing the trade data of the core enterprise and the supplier on the block chain.
The trade data uplink module 201 specifically includes:
and the encryption packaging unit is used for encrypting and packaging the trade data of the core enterprise and the supplier and then storing the encrypted and packaged trade data on the block chain.
The credit increase request module 202 is configured to enable the core enterprise to issue a credit increase request to the financial institution, and at the same time, to pledge the trade data stored in the blockchain to the financial institution.
And the credit granting information receiving module 203 is used for realizing that the core enterprise receives the credit granting information of the financial institution.
And the supplier borrowing module 204 is used for realizing that the supplier sends a borrowing request to the financial institution according to the credit information of the core enterprise and simultaneously receives the loan information of the financial institution.
And the supplier repayment module 205 is used for receiving the released pledge trade data information of the financial institution after the supplier repays the credit to the financial institution.
Fig. 3 is a flowchart of a block chain-based financial institution credit granting method in an embodiment of the present invention, and as shown in fig. 3, a block chain-based financial institution credit granting method includes:
step 301: the financial institution acquires the credit-increase request sent by the core enterprise and the trade data stored on the block chain.
the financial institution obtains and decrypts the credit-added request sent by the core enterprise and the trade data stored on the blockchain.
Step 302: the financial institution performs a pledge operation on the trade data stored on the blockchain and sends credit information to the core enterprise.
Step 303: the financial institution acquires a borrowing request sent by the supplier according to the credit information of the core enterprise, and sends loan information to the supplier.
Step 304: the financial institution acquires payment information of the supplier and releases the pledge trade data information to the core enterprise.
FIG. 4 is a block chain-based financial institution credit granting system structure in an embodiment of the present invention. As shown in fig. 4, a financial institution credit granting system based on block chain includes:
and a credit increase request acquisition module 401, configured to enable the financial institution to acquire the credit increase request sent by the core enterprise and the trade data stored in the blockchain.
The trust increasing request obtaining module 401 specifically includes:
and the decryption unit is used for realizing the acquisition and decryption of the credit increase request sent by the core enterprise and the trade data stored on the block chain by the financial institution.
And the credit granting information sending module 402 is configured to implement the mortgage operation of the financial institution on the trade data stored in the block chain, and send the credit granting information to the core enterprise.
And the loan module 403 is configured to enable the financial institution to obtain a loan request sent by the provider according to the credit information of the core enterprise, and send loan information to the provider.
And the pledge release module 404 is configured to enable the financial institution to obtain payment information of the provider and release the pledge trade data information to the core enterprise.
The principles and embodiments of the present invention have been described herein using specific examples, which are provided only to help understand the method and the core concept of the present invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, the specific embodiments and the application range may be changed. In summary, this summary should not be construed to limit the present invention.
Claims (8)
1. An enterprise trust increasing method based on a block chain is characterized by comprising the following steps:
storing trade data of core enterprises and suppliers on a blockchain;
the core enterprise sends a credit increase request to a financial institution and simultaneously mortises trade data stored on a block chain to the financial institution;
the core enterprise receives credit information of the financial institution;
the supplier sends a borrowing request to the financial institution according to the credit information of the core enterprise, and receives the loan information of the financial institution;
the supplier receives the trading data information of the pledge released by the financial institution after repayment to the financial institution.
2. The blockchain-based enterprise trust augmentation method of claim 1, wherein the storing of the trade data of the core enterprise and the supplier on the blockchain specifically comprises:
and encrypting and packaging the trade data of the core enterprise and the supplier and storing the encrypted and packaged trade data on the blockchain.
3. An enterprise trust augmentation system based on a blockchain, comprising:
the trade data uplink module is used for storing trade data of core enterprises and suppliers on the block chain;
the credit increase request module is used for enabling the core enterprise to send a credit increase request to a financial institution and simultaneously scratchs trade data stored on a block chain to the financial institution;
the credit granting information receiving module is used for realizing that the core enterprise receives the credit granting information of the financial institution;
the supplier borrowing module is used for realizing that a supplier sends a borrowing request to the financial institution according to the credit information of the core enterprise and simultaneously receives the loan information of the financial institution;
and the supplier payment module is used for receiving the released pledge trade data information of the financial institution after the supplier pays the financial institution.
4. The system of claim 3, wherein the trade data uplink module further comprises:
and the encryption packaging unit is used for encrypting and packaging the trade data of the core enterprise and the supplier and then storing the encrypted and packaged trade data on the block chain.
5. A financial institution credit granting method based on a block chain is characterized by comprising the following steps:
the financial institution acquires a credit increase request sent by a core enterprise and trade data stored on a block chain;
the financial institution carries out the pledge operation on the trade data stored on the block chain and sends credit granting information to the core enterprise;
the financial institution acquires a borrowing request sent by a supplier according to the credit information of the core enterprise and sends loan information to the supplier;
the financial institution obtains payment information of the supplier and releases the pledge trade data information to the core enterprise.
6. The financial institution credit granting method based on the blockchain as claimed in claim 5, wherein the financial institution acquires the credit increase request sent by the core enterprise and the trade data stored on the blockchain, specifically comprises:
the financial institution obtains and decrypts the credit-added request sent by the core enterprise and the trade data stored on the blockchain.
7. A financial institution credit granting system based on a block chain, comprising:
the credit increase request acquisition module is used for realizing that the financial institution acquires the credit increase request sent by the core enterprise and the trade data stored on the block chain;
the credit granting information sending module is used for realizing the mortgage operation of the financial institution on the trade data stored on the block chain and sending credit granting information to the core enterprise;
the loan module is used for realizing that the financial institution acquires a borrowing request sent by a supplier according to the credit granting information of the core enterprise and sends loan information to the supplier;
and the pledge release module is used for realizing that the financial institution acquires repayment information of a supplier and releases pledge trade data information to the core enterprise.
8. The financial institution credit granting system based on the block chain as claimed in claim 7, wherein the credit increase request obtaining module specifically comprises:
and the decryption unit is used for realizing that the financial institution acquires and decrypts the credit increase request sent by the core enterprise and the trade data stored on the block chain.
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| CN202011210001.0A CN112258318A (en) | 2020-11-03 | 2020-11-03 | Block chain-based enterprise credit increase and financial institution credit granting method and system |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109150513A (en) * | 2018-08-27 | 2019-01-04 | 深圳前海益链网络科技有限公司 | Private key storage method, computer equipment and storage medium based on block chain |
| CN109377352A (en) * | 2018-10-24 | 2019-02-22 | 天津工业大学 | A kind of wisdom chemical industrial park data increasing letter method based on block chain |
| US20190207750A1 (en) * | 2018-01-04 | 2019-07-04 | Bank Of America Corporation | Blockchain enterprise data management |
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- 2020-11-03 CN CN202011210001.0A patent/CN112258318A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20190207750A1 (en) * | 2018-01-04 | 2019-07-04 | Bank Of America Corporation | Blockchain enterprise data management |
| CN109150513A (en) * | 2018-08-27 | 2019-01-04 | 深圳前海益链网络科技有限公司 | Private key storage method, computer equipment and storage medium based on block chain |
| CN109377352A (en) * | 2018-10-24 | 2019-02-22 | 天津工业大学 | A kind of wisdom chemical industrial park data increasing letter method based on block chain |
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