CN112712426A - Supply chain finance application method based on block chain technology - Google Patents

Supply chain finance application method based on block chain technology Download PDF

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Publication number
CN112712426A
CN112712426A CN202110069858.3A CN202110069858A CN112712426A CN 112712426 A CN112712426 A CN 112712426A CN 202110069858 A CN202110069858 A CN 202110069858A CN 112712426 A CN112712426 A CN 112712426A
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supplier
financial institution
supply chain
agreement
financial
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王建军
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Shanghai Chaolian Information Technology Co ltd
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Shanghai Chaolian Information Technology Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

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Abstract

The invention discloses a supply chain finance application method based on a block chain technology, comprising the following steps of S1: the method comprises the steps of firstly collecting information of core enterprises, financial institutions and suppliers on a supply chain financial platform, and then classifying, integrating and recording the collected data through a block chain technology. The block chain technology-based supply chain finance application method is characterized in that core enterprises, financial institutions and suppliers are subjected to real-name registration and information integration through the block chain technology, mutual constraint, mutual guarantee and mutual supervision are achieved by utilizing signing agreements and contracts, medium and downstream suppliers can obtain fund support from banks by improving their credit, the fund support of the banks can be used for maintaining the survival of the supply chain, the operation effectiveness of the fund of the supply chain is improved, the overall management cost of the supply chain is reduced, and accordingly the ecological stable development of the supply chain can be guaranteed.

Description

Supply chain finance application method based on block chain technology
Technical Field
The invention relates to the technical field of supply chain finance, in particular to a supply chain finance application method based on a block chain technology.
Background
Supply chain finance means that a bank surrounds a core enterprise, manages capital flow and logistics of upstream and downstream small and medium-sized enterprises, converts uncontrollable risks of a single enterprise into overall controllable risks of the supply chain enterprise, and controls the risks to be the lowest financial service by three-dimensionally acquiring various information.
With the continuous deepening of the social production mode, the market competition has been changed from competition among single customers to competition among supply chains, and all the parties in the same supply chain depend on each other, so that the product is ' good and honor, and the product is ' damaged '; meanwhile, as credit sale becomes the mainstream mode of transaction, suppliers at the downstream in the supply chain are difficult to obtain the fund support of banks through the traditional credit mode, and the shortage of funds can directly cause the stagnation of the subsequent links and even cause the chain breakage, so that a method for maintaining the survival of the supply chain is urgently needed, the efficiency of the fund operation of the supply chain is improved, and the overall management cost of the supply chain is reduced
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides a supply chain finance application method based on a block chain technology, which solves the problem that traditional downstream suppliers are difficult to obtain bank fund support due to industry competition and small enterprise scale.
In order to achieve the purpose, the invention is realized by the following technical scheme: a supply chain finance application method based on a block chain technology specifically comprises the following steps:
s1, information integration: firstly, collecting information of core enterprises, financial institutions and suppliers on a supply chain financial platform, and classifying, integrating and recording the collected data through a block chain technology;
s2, protocol signing: core enterprises, financial institutions, suppliers, and commercial banks may make contracts, agreements, and other legally protected documents on a financial platform;
s3, payment and payment, wherein the financial institution authorizes the provider according to credit evaluation in commercial cooperation, and the commercial bank deposits money from the account of the financial institution to the account of the provider according to the authorized amount provided by the financial institution;
s4, wind control monitoring: commercial banks and financial institutions oversee suppliers and assess risk during contract fulfillment;
s5, executing the protocol: after the signed agreement and contract are expired, the core enterprise, financial institution, supplier and commercial bank complete the respective corresponding obligations according to the signed contents of the agreement.
Preferably, the information required for information integration in S1 includes real-name registration information, real-name authentication information of respective enterprise legal persons, and enterprise asset information of the core enterprise, the financial institution and the supplier on the supply chain financial platform.
Preferably, the agreement signing in S2 includes the supplier signing a property mortgage agreement with the financial institution, the supplier acquires loan qualification by mortgaging the property to the financial institution and thus forming a cooperative relationship with the financial institution, the agreement signing in S2 includes the financial institution signing a property transfer agreement with the commercial bank, and the agreement signing in S2 includes the commercial bank signing a property buyback agreement with the core enterprise.
Preferably, the quota paying in S3 is that the financial institution grants the loan amount suitable for the supplier by collecting and normalizing the information of the supplier enterprise asset architecture, the enterprise asset operation, the enterprise profit, the enterprise credit, and the like, and then analyzing and evaluating the information in a scientific manner.
Preferably, the wind monitoring in S4 means that when a credit relationship exists between the supplier and the financial institution, the business bank and the financial institution perform risk assessment and credit supervision on the supplier in real time to avoid the financial institution being unable to recover the loan released to the supplier.
Preferably, the wind monitoring in S4 further includes market supervision, the basis of the risk assessment of the supplier by the commercial bank and the financial institution is only the transaction record and various data of the supplier, and in turn, the information generated by the supplier on the market needs to be absorbed, so that the risk assessment and the credit supervision of the supplier are more comprehensive and scientific.
Preferably, the agreement execution in S5 includes that when the supplier owes or does not have repayment capability to repay the loan credited to it by the financial institution, the financial institution entrusts the property mortared by the supplier to the bank, and the property mortared by the supplier to the financial institution is delivered to the commercial bank by the financial institution for processing, the commercial bank sells the mortgage property at a certain discount price according to the market value, and the cash is completed by the repurchase of the core enterprise, and the commercial bank repays the fund after the cash of the mortgage property is reappeared to the account of the financial institution, thereby serving as the loan repayment fund of the supplier.
Preferably, the agreement execution in S5 includes that when the supplier owes or does not have repayment capability to repay the loan credited to it by the financial institution, the financial institution entrusts the property mortared by the supplier to the bank, and the property mortared by the supplier to the financial institution is delivered to the commercial bank by the financial institution for processing, the commercial bank sells the mortgage property at a certain discount price according to the market value, and the cash is completed by the repurchase of the core enterprise, and the commercial bank repays the fund after the cash of the mortgage property is reappeared to the account of the financial institution, thereby serving as the loan repayment fund of the supplier.
Advantageous effects
The invention provides a supply chain finance application method based on a block chain technology. Compared with the prior art, the method has the following beneficial effects: the supply chain finance application method based on the block chain technology comprises the following steps of S1: firstly, collecting information of core enterprises, financial institutions and suppliers on a supply chain financial platform, classifying, integrating and recording collected data through a block chain technology, and S2, agreement signing: the core enterprise, the financial institution, the supplier and the commercial bank can carry out documents with legal protection such as contracts, agreements and the like on a financial platform, S3, payment and payment, wherein the financial institution carries out credit line authorization on the supplier through credit assessment during commercial cooperation, the commercial bank makes money from the account of the financial institution to the account of the supplier through the authorized line provided by the financial institution, S4, wind control monitoring: the commercial banks and financial institutions oversee the suppliers and assess risks during contract fulfillment, S5, agreement execution: after the signed agreement and contract are expired, the core enterprise, the financial institution, the supplier and the commercial bank complete the corresponding obligations according to the signed contents of the agreement, the information needed by information integration in S1 includes the real-name registration information of the core enterprise, the financial institution and the supplier on the supply chain financial platform, the real-name authentication information of the respective enterprise legal person and the enterprise asset information, the agreement signing in S2 includes the supplier signing the asset mortgage agreement with the financial institution, the supplier forms the cooperation relationship with the financial institution by mortgaging the asset to the financial institution, the loan acquires qualification, the agreement signing in S2 includes the agreement of the financial institution with the commercial bank for transferring the asset, the agreement signing in S2 includes the agreement of the commercial bank signing the agreement of the asset repurchase with the core enterprise, the payment in S3 is made by the financial institution through the construction of the supplier enterprise asset, the operation of the enterprise asset, the financial institution, The method comprises the steps that information such as enterprise profit, enterprise credit and the like is collected regularly and then analyzed and evaluated in a scientific mode, so that a loan amount suitable for a supplier is granted, the wind control monitoring in S4 means that when a credit relationship exists between the supplier and a financial institution, a business bank and the financial institution perform risk assessment and credit supervision on the supplier in real time, so that the financial institution cannot recover a loan released to the supplier, the wind control monitoring in S4 further comprises market supervision, the business bank and the financial institution only perform the risk assessment on the supplier according to transaction records and various data of the supplier, and in turn need to absorb information generated by the supplier on the market, so that the risk assessment and credit supervision on the supplier are more comprehensive and scientific, the agreement in S5 comprises the steps of repayment of loaning the financial institution to the loan when the supplier owes or does not have the capability, the financial institution entrusts the assets mortgage by the supplier to the bank, after the assets mortgage by the supplier are delivered to the commercial bank by the financial institution for processing, the commercial bank sells the mortgage assets at a certain discount price according to the market value, the mortgage assets are bought back through the core enterprise to finish the cash change, the commercial bank restores the funds after the mortgage assets are cashed to the account of the financial institution so as to serve as loan repayment money of the supplier, the supply chain finance included in S1-S4 is based on the application of the block chain, the block chain technology is adopted to lay a solid trust foundation, a reliable cooperation mechanism is created, the block chain is added with big data analysis so as to enhance the efficiency and the scientificity of the data analysis, the core enterprise, the financial institution and the supplier are subjected to real-name registration and information integration through the block chain technology, and the signing agreement is utilized, The contracts achieve mutual constraint, mutual guarantee and mutual supervision, and therefore core competitiveness and credit level of the middle and downstream suppliers are improved, the middle and downstream suppliers can obtain fund support from banks by improving their own credit, the fund support of the banks can be used for maintaining the survival of the supply chain, the operation effectiveness of the fund of the supply chain is improved, the overall management cost of the supply chain is reduced, and accordingly stable development of the ecology of the supply chain can be guaranteed.
Drawings
FIG. 1 is a flow chart of a method for supply chain financial applications based on blockchain technology in accordance with 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, the present invention provides a technical solution: a supply chain finance application method based on a block chain technology specifically comprises the following steps:
s1, information integration: firstly, collecting information of core enterprises, financial institutions and suppliers on a supply chain financial platform, and classifying, integrating and recording the collected data through a block chain technology;
s2, protocol signing: core enterprises, financial institutions, suppliers, and commercial banks may make contracts, agreements, and other legally protected documents on a financial platform;
s3, payment and payment, wherein the financial institution authorizes the provider according to credit evaluation in commercial cooperation, and the commercial bank deposits money from the account of the financial institution to the account of the provider according to the authorized amount provided by the financial institution;
s4, wind control monitoring: commercial banks and financial institutions oversee suppliers and assess risk during contract fulfillment;
s5, executing the protocol: after the signed agreement and contract are expired, the core enterprise, financial institution, supplier and commercial bank complete the respective corresponding obligations according to the signed contents of the agreement.
In the embodiment of the present invention, the information required for information integration in S1 includes real-name registration information, real-name authentication information of respective enterprise legal persons, and enterprise asset information of the core enterprise, the financial institution, and the supplier on the supply chain financial platform.
In the embodiment of the present invention, the agreement signing in S2 includes that the supplier signs a property mortgage agreement with the financial institution, the supplier obtains loan qualification by mortgaging the property to the financial institution, and thus forming a cooperative relationship with the financial institution, the agreement signing in S2 includes that the financial institution signs a property transfer agreement with the commercial bank, and the agreement signing in S2 includes that the commercial bank signs a property buyback agreement with the core enterprise.
In the embodiment of the invention, the quota paying in the S3 is that the financial institution gives the loan amount adaptive to the supplier by regularly collecting the information of the supplier enterprise asset framework, the enterprise asset operation, the enterprise profit, the enterprise credit and the like and then analyzing and evaluating the information in a scientific mode.
In the embodiment of the present invention, the wind monitoring in S4 means that when a credit relationship exists between a supplier and a financial institution, the business bank and the financial institution perform risk assessment and credit supervision on the supplier in real time, so as to prevent the financial institution from being unable to recover a loan transferred to the supplier.
In the embodiment of the present invention, the wind monitoring in S4 further includes market supervision, the basis of the risk assessment of the supplier by the commercial bank and the financial institution is only the transaction record and various data of the supplier, and in turn, the information generated by the supplier on the market needs to be absorbed, so that the risk assessment and the credit supervision of the supplier are more comprehensive and scientific.
In the embodiment of the invention, the agreement execution in the S5 comprises that when the supplier owes or does not have repayment capability to repay the loan credited to the supplier by the financial institution according to term, the financial institution entrusts the assets mortared by the supplier to the bank, the assets mortared by the supplier to the financial institution are delivered to the commercial bank by the financial institution for processing, the commercial bank sells the mortgage assets according to the market value through a certain discounted price, the cash is completed through the repurchase of the core enterprise, and the commercial bank repays the funds after the mortgage assets are reappeared into the account of the financial institution so as to serve as the loan repayment fund of the supplier.
In summary, the supply chain finance application method based on the blockchain technology performs real-name registration and information integration on core enterprises, financial institutions and suppliers through the blockchain technology, and achieves mutual constraint, mutual guarantee and mutual supervision by using a signing agreement and a contract, so that the core competitiveness and credit level of the middle-downstream suppliers are improved, the middle-downstream suppliers can obtain fund support from banks by improving their own credit, the fund support of the banks can be used for maintaining the survival of the supply chain, the efficiency of the operation of the fund of the supply chain is improved, the overall management cost of the supply chain is reduced, and the ecological stable development of the supply chain can be ensured.
In the embodiment of the invention, the supply chain finance included in S1-S4 lays a solid trust foundation by using a block chain technology based on the application of the block chain, a reliable cooperation mechanism is created, and big data analysis is added to the use of the block chain, so that the efficiency and the scientificity of the data analysis are enhanced.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
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 (8)

1. A supply chain finance application method based on a block chain technology is characterized in that: the method specifically comprises the following steps:
s1, information integration: firstly, collecting information of core enterprises, financial institutions and suppliers on a supply chain financial platform, and classifying, integrating and recording the collected data through a block chain technology;
s2, protocol signing: core enterprises, financial institutions, suppliers, and commercial banks may make contracts, agreements, and other legally protected documents on a financial platform;
s3, payment and payment, wherein the financial institution authorizes the provider according to credit evaluation in commercial cooperation, and the commercial bank deposits money from the account of the financial institution to the account of the provider according to the authorized amount provided by the financial institution;
s4, wind control monitoring: commercial banks and financial institutions oversee suppliers and assess risk during contract fulfillment;
s5, executing the protocol: after the signed agreement and contract are expired, the core enterprise, financial institution, supplier and commercial bank complete the respective corresponding obligations according to the signed contents of the agreement.
2. The method of claim 1, wherein the method comprises: the information required for information integration in S1 includes real-name registration information, real-name authentication information of respective enterprise legal persons, and enterprise asset information of core enterprises, financial institutions, and suppliers on the supply chain financial platform.
3. The method of claim 1, wherein the method comprises: the agreement signing in S2 includes the supplier signing a property mortgage agreement with the financial institution, the supplier acquires loan qualification by mortgaging the property to the financial institution and thus forming a cooperative relationship with the financial institution, the agreement signing in S2 includes the financial institution signing a property transfer agreement with the commercial bank, and the agreement signing in S2 includes the commercial bank signing a property repurchase agreement with the core enterprise.
4. The method of claim 1, wherein the method comprises: in the step S3, the financial institution gives the loan amount suitable for the supplier by collecting and normalizing the information of the supplier enterprise asset framework, the enterprise asset operation, the enterprise profit, the enterprise credit and the like and then analyzing and evaluating the information in a scientific way.
5. The method of claim 1, wherein the method comprises: the wind-controlled monitoring in S4 means that when a credit relationship exists between the supplier and the financial institution, the business bank and the financial institution perform risk assessment and credit supervision on the supplier in real time, so as to avoid the financial institution being unable to recover the loan transferred to the supplier.
6. The method of claim 1, wherein the method comprises: the wind monitoring in S4 further includes market supervision, and the basis of the risk assessment of the supplier by the commercial bank and the financial institution is only the transaction record and various data of the supplier, which in turn needs to absorb the information generated by the supplier on the market, so that the risk assessment and the credit supervision of the supplier are more comprehensive and scientific.
7. The method of claim 1, wherein the method comprises: the agreement execution in the S5 comprises that when the supplier owes or does not have repayment capability to repay the loan which is credited to the supplier by the financial institution according to term, the financial institution entrusts the assets which are mortared by the supplier to the bank, after the assets which are mortared by the supplier to the financial institution are delivered to the commercial bank by the financial institution to be processed, the commercial bank sells the mortgage assets according to the market value through a certain discounted price, the cash is completed through the repurchase of the core enterprise, and the commercial bank repays the funds after the cash of the mortgage assets is reappeared to the account of the financial institution so as to serve as the loan repayment fund of the supplier.
8. The method of claim 1, wherein the method comprises: the supply chain finance included in the steps S1-S4 lays a solid trust foundation by using a block chain technology based on the application of the block chain, creates a reliable cooperation mechanism, and adds big data analysis to the use of the block chain, so that the efficiency and the scientificity of the data analysis are enhanced.
CN202110069858.3A 2021-01-19 2021-01-19 Supply chain finance application method based on block chain technology Pending CN112712426A (en)

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CN112990940A (en) * 2021-02-18 2021-06-18 支付宝(杭州)信息技术有限公司 Enterprise authentication method and device
CN113674084A (en) * 2021-08-19 2021-11-19 湖南大学 Block chain-based movable property pledge financing method, system, equipment and storage medium
CN117196816A (en) * 2023-05-22 2023-12-08 山东浪潮爱购云链信息科技有限公司 Financial wind control-based supply chain transaction method, equipment and medium

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CN111222974A (en) * 2020-01-06 2020-06-02 广东穗银云链科技有限公司 Iterative credit calculation method
CN111324662A (en) * 2020-01-21 2020-06-23 上海昂泰兰捷尔系统集成有限公司 Supply chain finance application method based on block chain technology
CN111626733A (en) * 2020-05-21 2020-09-04 链博(成都)科技有限公司 Supply chain financial service system based on block chain

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CN109146688A (en) * 2018-08-30 2019-01-04 广州立趣信息科技有限公司 A kind of supply chain financial application method based on block chain alliance chain technology
CN110533538A (en) * 2019-09-02 2019-12-03 深圳象右看齐网络技术有限公司 A kind of supply chain financial application method and device based on block chain technology
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CN112990940A (en) * 2021-02-18 2021-06-18 支付宝(杭州)信息技术有限公司 Enterprise authentication method and device
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CN113674084A (en) * 2021-08-19 2021-11-19 湖南大学 Block chain-based movable property pledge financing method, system, equipment and storage medium
CN113674084B (en) * 2021-08-19 2024-05-14 湖南大学 Block chain-based real estate mortgage financing method, system, equipment and storage medium
CN117196816A (en) * 2023-05-22 2023-12-08 山东浪潮爱购云链信息科技有限公司 Financial wind control-based supply chain transaction method, equipment and medium

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Application publication date: 20210427