CN113674084A - Block chain-based movable property pledge financing method, system, equipment and storage medium - Google Patents
Block chain-based movable property pledge financing method, system, equipment and storage medium Download PDFInfo
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Abstract
The invention discloses a method, a system, equipment and a storage medium for financing a movable property pledge based on a block chain, wherein the method stores and issues all related transaction data and enterprise information on the block chain based on the characteristics of data storage, information transparency, traceability and non-falsification of the block chain, and document certificates are cross-verified in multiple ways to ensure the data to be real and reliable, so that the consistency between the financing application of the movable property pledge and the enterprise can be ensured, and the ownership of the movable property pledge is not disputed, so that the investigation before the bank loan is more convenient, and the investigation result is more reliable; after the bank provides the loan, a convenient method is provided for the bank to check the daily inventory of the mortgage movable property, so that the bank can realize low-cost real-time monitoring, the movable property is prevented from being replaced and disposed by a financing enterprise, and finally the risk of the bank providing the mortgage financing of the movable property is reduced. In addition, the standardization and the standardization of the process of the movable property pledge financing business are promoted based on the intelligent contract technology, and the participation main bodies are prevented from falling into legal disputes caused by file loss.
Description
Technical Field
The present invention relates to the field of blockchain technology, and in particular, to a blockchain-based method, system, device, and computer-readable storage medium for mortgage financing of a live property.
Background
The capital financing of the movable property under the finance of the supply chain refers to a financing mode that enterprises store the movable property (including commodities, raw materials and the like) in a warehouse appointed or approved by banks as a material to be financed, and the material to be financed flows under the monitoring of the banks by means of the security of core enterprises and the supervision of logistics enterprises, so that loans are applied to the banks (or the banks are processed to accept draft). The movable property pledge financing can effectively combine, interact and comprehensively manage the logistics, the information flow and the fund flow so as to achieve the purposes of expanding service, optimizing resources, improving operation efficiency, improving the overall performance of a supply chain and increasing the competitiveness of the whole supply chain.
The current mode of mortgage financing for the live property has the following risks:
1. risk of inconsistent mobile labor: the method comprises the risks that the quality, the quantity, the quality class and other mobile property attributes in the reported description are inconsistent when the mobile property is applied for financing, the mobile property ownership does not accord with the ownership of the financing enterprise, and the mobile property ownership used for the financing enterprise to make a quality guarantee does not belong to the financing enterprise;
2. risk of dynamic labor supervision during loan-saving period: for the mobile property in the stock, the bank needs to make a daily stock checking, but in practice, the bank may be lacked to check the stock checking of the mobile property in the position of the reserve, so that the mobile property is replaced and disposed by a financing enterprise, and risks are caused;
3. risk of incomplete transaction file: the operation flow of the mobile mortgage financing business is not standard, so that the mobile mortgage legal documents are incomplete in elements, and finally, the goods without the property insurance of the investment are out of order or the legal risk caused by the lack of documents is caused.
Disclosure of Invention
The invention provides a block chain-based method, a system, equipment and a computer-readable storage medium for financing a movable pledge, which aim to solve the defects of the conventional movable pledge financing mode.
According to one aspect of the invention, a block chain-based method for financing a live mortgage is provided, which comprises the following steps:
step S1: the financing enterprise node and the financing bank node sign a movable property pledge financing agreement on the block chain;
step S2: the financing bank node evaluates the value of the movable property;
step S3: the financing bank node checks the financing amount based on the assessment result of the mobile production value;
step S4: after the financing enterprise node hands over the movable property to the logistics enterprise node, the financing bank node sends financing money to the financing enterprise node;
step S5: and paying the financing cost information to the financing bank node when the financing enterprise node is due, and if the financing enterprise node is not paid for due, carrying out buyback by the core enterprise node and paying the buyback money to the financing bank node.
Further, the step S1 specifically includes the following steps:
step S11: the financing enterprise node negotiates the content of the movable quality escort financing agreement with the financing bank node on line, the financing enterprise node deploys the movable quality escort financing agreement on the block chain according to the agreement content achieved on line, encrypts the summary of the financing application by using the private key of the financing enterprise node and sends the encrypted summary to the financing bank node, and records the encrypted summary to the block chain;
step S12: the financing bank node verifies the signature of the abstract by using the public key of the financing enterprise node, determines that the movable property pledge financing protocol is drawn up by the financing enterprise node and the protocol content is correct, uses the private key of the financing bank node to perform signature confirmation, and uploads the signature to the block chain.
Further, the step S2 specifically includes the following steps:
step S21: the financing bank node calls ownership related certification information of the movable property to the Oracle node;
step S22: after the financing bank node ensures that the ownership of the movable property has no problem, the financing bank node negotiates with the logistics enterprise node to entrust the logistics enterprise node to carry out value evaluation on the movable property provided by the financing enterprise node, the financing bank node deploys an entrusting contract on the block chain, encrypts the entrusting contract by using a private key of the financing bank node, sends the entrusting contract to the logistics enterprise node, and records the entrusting contract on the block chain;
step S23: after receiving the entrusting contract of the financing bank node, the logistics enterprise node verifies the entrusting contract by using the public key of the financing bank node, determines that the entrusting contract is formulated by the bank, compares the content with the actual information of the goods without errors, and then performs signature confirmation by using the private key of the logistics enterprise node and records the signature confirmation on the block chain;
step S24: and after the logistics enterprise node evaluates the movable property value, deploying an evaluation certificate on the block chain, signing by using a private key, recording the signature on the block chain, and sending the signature to the financing bank node.
Further, the step S3 specifically includes the following steps:
step S31: the financing bank node checks the financing amount according to the assessment and certification of the value of the movable property, deploys the movable property pledge contract on the block chain, signs by using the private key of the financing bank node and sends the signed result to the financing enterprise node;
step S32: after receiving the movable asset pledge contract, the financing enterprise node verifies the contract by using the public key of the financing bank node, signs the contract by using the private key to confirm and uploads the contract to the block chain after confirming that the contract is drawn up by the financing bank node and confirming that the content of the contract is correct;
step S33: after the financing bank node and the core enterprise node negotiate offline, a pledge repurchase protocol is deployed on the blockchain, and the pledge repurchase protocol is signed by using a private key and then sent to the core enterprise node;
step S34: after receiving the pledge buyback protocol, the core enterprise node verifies the pledge buyback protocol by using a public key of the financing bank node, and after confirming that the protocol is formulated by the financing bank node and the contents of the protocol are correct, signature confirmation is carried out on the pledge buyback protocol by using a private key and the pledge buyback protocol is uploaded to a block chain;
step S35: after the financing bank node and the logistics enterprise node negotiate offline, a warehousing supervision protocol is deployed on the block chain, and the warehousing supervision protocol is signed by a private key and then sent to the logistics enterprise node;
step S36: after receiving the storage supervision protocol, the logistics enterprise node verifies the protocol by using the public key of the financing bank node, and after confirming that the protocol is formulated by the financing bank node and confirming that the contents of the protocol are correct, the logistics enterprise node signs and confirms the protocol on the storage supervision protocol by using the private key and uploads the protocol to the block chain.
Further, the step S4 includes the following steps:
step S41: the financing enterprise node hands over the movable property to the logistics enterprise node, the logistics enterprise node puts the movable property into a warehouse and issues a warehouse entry list, and the movable property is signed by a private key and then recorded on the block chain;
step S42: the financing bank node inquires a warehousing entry on the block chain, and verifies the movable property information and warehousing condition of the financing enterprise node;
step S43: the financing bank node remits financing money with a preset proportion to an account of the financing enterprise node, and the Oracle node records the transfer record remitted from the financing bank node to the financing enterprise node on the block chain;
step S44: and after confirming that the financing enterprise node receives the financing money, signing the transfer record and recording the transfer record to the block chain.
Further, the step S5 specifically includes the following steps:
paying financing principal information to a financing bank node when the financing enterprise node is due, recording the transfer of remittance from the financing enterprise node to the financing bank node on a block chain by an Oracle node, and signing the transfer record and uploading the transfer record to the block chain after the financing bank node confirms that the financing principal information is received;
if the financing enterprise node is due and does not pay financing cost information or is not paid enough to the financing bank node, the core enterprise node buys all or part of the movable property corresponding to the warehouse bill according to the pledge buyback agreement, pays the buyback money to the financing bank node, transfers all or part of ownership of the pledge movable property to the core enterprise node, and the Oracle node records ownership proportion attribution of the movable property on the block chain.
In addition, the invention also provides a movable pledge financing system based on the block chain, which comprises:
the system comprises a movable pledge financing protocol deployment module, a movable pledge financing protocol processing module and a movable pledge financing service module, wherein the movable pledge financing protocol deployment module is used for signing a movable pledge financing protocol on a block chain by a financing enterprise node and a financing bank node;
the movable property value evaluation module is used for evaluating the movable property value by the financing bank node;
the financing amount approval module is used for the financing bank node to approve the financing amount based on the mobile asset value evaluation result;
the financing and payment management module is used for the financing bank node to send financing money to the financing enterprise node after the financing enterprise node hands over the mobile property to the logistics enterprise node;
and the financing repayment management module is used for paying financing cost information to the financing bank node when the financing enterprise node is due, and carrying out buyback by the core enterprise node and paying the buyback money to the financing bank node if the financing enterprise node is not due and paid by the full amount.
In addition, the present invention also provides an apparatus comprising a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method by calling the computer program stored in the memory.
In addition, the present invention also provides a computer readable storage medium for storing a computer program for performing a mortgage financing based on a blockchain, where the computer program performs the steps of the method as described above when running on a computer.
The invention has the following effects:
according to the method for financing the mobile asset pledge based on the block chain, all related transaction data and enterprise information of the financial mobile asset pledge financing service of the supply chain are stored and issued on the block chain based on the characteristics of data storage, information transparency, traceability and non-falsification of the block chain, and document certificates are verified in a multi-party cross mode to ensure that the data are real and reliable, so that the mobile asset pledge is consistent with the financing application of the enterprise and the ownership of the mobile asset pledge is not disputed, the investigation before the bank loan is more convenient, and the investigation result is more reliable; after the bank provides the loan, a convenient method is provided for the bank to check the daily inventory of the deposit property, so that the bank can realize low-cost real-time monitoring, the replacement and disposal of the property by a financing enterprise are avoided, the risk of providing the deposit property by the bank is finally reduced, and the dilemma that the deposit property is not favored by financial institutions such as the bank is changed. In addition, standardization and standardization of the process of the movable property pledge financing business are promoted based on the intelligent contract technology, a program is preset by adopting a computational programming language, the program is automatically executed when triggered by certain external or internal conditions, the next operation can be executed only when the preset conditions are met, the preset intelligent contract algorithm can be automatically executed by a machine under certain conditions, once the rules are fixed, the rules cannot be falsified, further, the complete transaction procedures are ensured, the operation process is standard, and the situation that all participating main bodies fall into legal disputes caused by file loss is avoided.
In addition to the objects, features and advantages described above, other objects, features and advantages of the present invention are also provided. The present invention will be described in further detail below with reference to the drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, together with the description, serve to explain the invention and not to limit the invention. In the drawings:
fig. 1 is a flow chart of a method for financing a live mortgage based on a block chain according to a preferred embodiment of the present invention.
Fig. 2 is a schematic view of a sub-flow of step S1 in fig. 1.
Fig. 3 is a sub-flowchart of step S2 in fig. 1.
Fig. 4 is a sub-flowchart of step S3 in fig. 1.
Fig. 5 is a sub-flowchart of step S4 in fig. 1.
Fig. 6 is a block diagram of a block chain-based mortgage system according to another embodiment of the present invention.
Detailed Description
The embodiments of the invention will be described in detail below with reference to the accompanying drawings, but the invention can be embodied in many different forms, which are defined and covered by the following description.
As shown in fig. 1, a preferred embodiment of the present invention provides a blockchain-based method for financing a live mortgage, which includes the following steps:
step S1: the financing enterprise node and the financing bank node sign a movable property pledge financing agreement on the block chain;
step S2: the financing bank node evaluates the value of the movable property;
step S3: the financing bank node checks the financing amount based on the assessment result of the mobile production value;
step S4: after the financing enterprise node hands over the movable property to the logistics enterprise node, the financing bank node sends financing money to the financing enterprise node;
step S5: and paying the financing cost information to the financing bank node when the financing enterprise node is due, and if the financing enterprise node is not paid for due, carrying out buyback by the core enterprise node and paying the buyback money to the financing bank node.
It can be understood that, in the method for financing a mobile asset pledge based on a block chain of this embodiment, based on the characteristics of data storage, information transparency, traceability and non-falsification of the block chain, all relevant transaction data and enterprise information of a financial mobile asset pledge financing service of a supply chain are stored and issued on the block chain, and a receipt voucher is cross-validated in multiple ways to ensure that the data is real and reliable, so that the mobile asset pledge is consistent with the financing application of the enterprise and the ownership of the mobile asset pledge is not disputed, so that the investigation before the bank loan is more convenient and the investigation result is more reliable; after the bank provides the loan, a convenient method is provided for the bank to check the daily inventory of the deposit property, so that the bank can realize low-cost real-time monitoring, the replacement and disposal of the property by a financing enterprise are avoided, the risk of providing the deposit property by the bank is finally reduced, and the dilemma that the deposit property is not favored by financial institutions such as the bank is changed. In addition, standardization and standardization of the process of the movable property pledge financing business are promoted based on the intelligent contract technology, a program is preset by adopting a computational programming language, the program is automatically executed when triggered by certain external or internal conditions, the next operation can be executed only when the preset conditions are met, the preset intelligent contract algorithm can be automatically executed by a machine under certain conditions, once the rules are fixed, the rules cannot be falsified, further, the complete transaction procedures are ensured, the operation process is standard, and the situation that all participating main bodies fall into legal disputes caused by file loss is avoided.
It can be understood that, as shown in fig. 2, the step S1 specifically includes the following steps:
step S11: the financing enterprise node negotiates the content of the movable quality escort financing agreement with the financing bank node on line, the financing enterprise node deploys the movable quality escort financing agreement on the block chain according to the agreement content achieved on line, encrypts the summary of the financing application by using the private key of the financing enterprise node and sends the encrypted summary to the financing bank node, and records the encrypted summary to the block chain;
step S12: the financing bank node verifies the signature of the abstract by using the public key of the financing enterprise node, determines that the movable property pledge financing protocol is drawn up by the financing enterprise node and the protocol content is correct, uses the private key of the financing bank node to perform signature confirmation, and uploads the signature to the block chain.
It can be understood that, as shown in fig. 3, the step S2 specifically includes the following steps:
step S21: the financing bank node calls ownership related certification information of the movable property to the Oracle node;
step S22: after the financing bank node ensures that the ownership of the movable property has no problem, the financing bank node negotiates with the logistics enterprise node to entrust the logistics enterprise node to carry out value evaluation on the movable property provided by the financing enterprise node, the financing bank node deploys an entrusting contract on the block chain, encrypts the entrusting contract by using a private key of the financing bank node, sends the entrusting contract to the logistics enterprise node, and records the entrusting contract on the block chain;
step S23: after receiving the entrusting contract of the financing bank node, the logistics enterprise node verifies the entrusting contract by using the public key of the financing bank node, determines that the entrusting contract is formulated by the bank, compares the content with the actual information of the goods without errors, and then performs signature confirmation by using the private key of the logistics enterprise node and records the signature confirmation on the block chain;
step S24: and after the logistics enterprise node evaluates the movable property value, deploying an evaluation certificate on the block chain, signing by using a private key, recording the signature on the block chain, and sending the signature to the financing bank node.
It can be understood that, as shown in fig. 4, the step S3 specifically includes the following steps:
step S31: the financing bank node checks the financing amount according to the assessment and certification of the value of the movable property, deploys the movable property pledge contract on the block chain, signs by using the private key of the financing bank node and sends the signed result to the financing enterprise node;
step S32: after receiving the movable asset pledge contract, the financing enterprise node verifies the contract by using the public key of the financing bank node, signs the contract by using the private key to confirm and uploads the contract to the block chain after confirming that the contract is drawn up by the financing bank node and confirming that the content of the contract is correct;
step S33: after the financing bank node and the core enterprise node negotiate offline, a pledge repurchase protocol is deployed on the blockchain, and the pledge repurchase protocol is signed by using a private key and then sent to the core enterprise node;
step S34: after receiving the pledge buyback protocol, the core enterprise node verifies the pledge buyback protocol by using a public key of the financing bank node, and after confirming that the protocol is formulated by the financing bank node and the contents of the protocol are correct, signature confirmation is carried out on the pledge buyback protocol by using a private key and the pledge buyback protocol is uploaded to a block chain;
step S35: after the financing bank node and the logistics enterprise node negotiate offline, a warehousing supervision protocol is deployed on the block chain, and the warehousing supervision protocol is signed by a private key and then sent to the logistics enterprise node;
step S36: after receiving the storage supervision protocol, the logistics enterprise node verifies the protocol by using the public key of the financing bank node, and after confirming that the protocol is formulated by the financing bank node and confirming that the contents of the protocol are correct, the logistics enterprise node signs and confirms the protocol on the storage supervision protocol by using the private key and uploads the protocol to the block chain.
It is understood that, as shown in fig. 5, the step S4 includes the following steps:
step S41: the financing enterprise node hands over the movable property to the logistics enterprise node, the logistics enterprise node puts the movable property into a warehouse and issues a warehouse entry list, and the movable property is signed by a private key and then recorded on the block chain;
step S42: the financing bank node inquires a warehousing entry on the block chain, and verifies the movable property information and warehousing condition of the financing enterprise node;
step S43: the financing bank node remits financing money with a preset proportion to an account of the financing enterprise node, and the Oracle node records the transfer record remitted from the financing bank node to the financing enterprise node on the block chain;
step S44: and after confirming that the financing enterprise node receives the financing money, signing the transfer record and recording the transfer record to the block chain.
It is understood that the step S5 specifically includes the following steps:
paying financing principal information to a financing bank node when the financing enterprise node is due, recording the transfer of remittance from the financing enterprise node to the financing bank node on a block chain by an Oracle node, and signing the transfer record and uploading the transfer record to the block chain after the financing bank node confirms that the financing principal information is received;
if the financing enterprise node is due and does not pay financing cost information or is not paid enough to the financing bank node, the core enterprise node buys all or part of the movable property corresponding to the warehouse bill according to the pledge buyback agreement, pays the buyback money to the financing bank node, transfers all or part of ownership of the pledge movable property to the core enterprise node, and the Oracle node records ownership proportion attribution of the movable property on the block chain.
It can be understood that the distributed account book technology, the asymmetric encryption technology, the intelligent contract technology, the hash algorithm, the digital signature, the identity authentication and other technologies in the block chain are fully utilized, so that the certificates of contracts, receipts and the like in each business stage of the production quality investment financing process can be accurately verified on the chain at high speed, the verification time is shortened, the efficiency and the cost are improved, the financing process is simplified, and the rapid operation of transactions can be promoted. By adopting the block chain technology, the logistics, the information flow and the fund flow in the movable asset pledge financing business are effectively combined, interacted and comprehensively managed, the completeness, the reality and the falsification of data are guaranteed, the data is disclosed and transparent, the problem of information asymmetry among all participating main bodies in the whole financing process, particularly financing enterprises, banks and logistics enterprises is effectively solved, the business operation behaviors of all participating main bodies are effectively restrained, the confirmation and the supervision of the movable asset pledge by the bank are facilitated, and a new solution is provided for the bank in the aspects of business operations such as logistics tracking, supervision, warehousing and pledge manual handling of the movable asset. By utilizing a black-and-white list mechanism system, the transaction behaviors of all nodes on a chain can be effectively restricted, and enterprises are forced to avoid defaulting as much as possible. Particularly, the phenomenon that financing enterprises, banks and logistics enterprises do not actively work when own benefits are not damaged and are incapable of being retrieved when own benefits are damaged can be effectively improved, and finally the purposes of promoting business expansion, improving operation efficiency, improving overall performance of a supply chain and increasing competitiveness of the whole supply chain are achieved.
In addition, as shown in fig. 6, another embodiment of the present invention further provides a blockchain-based mobile pledge financing system, preferably adopting the method of the above embodiment, where the system includes:
the system comprises a movable pledge financing protocol deployment module, a movable pledge financing protocol processing module and a movable pledge financing service module, wherein the movable pledge financing protocol deployment module is used for signing a movable pledge financing protocol on a block chain by a financing enterprise node and a financing bank node;
the movable property value evaluation module is used for evaluating the movable property value by the financing bank node;
the financing amount approval module is used for the financing bank node to approve the financing amount based on the mobile asset value evaluation result;
the financing and payment management module is used for the financing bank node to send financing money to the financing enterprise node after the financing enterprise node hands over the mobile property to the logistics enterprise node;
and the financing repayment management module is used for paying financing cost information to the financing bank node when the financing enterprise node is due, and carrying out buyback by the core enterprise node and paying the buyback money to the financing bank node if the financing enterprise node is not due and paid by the full amount.
It can be understood that, in the system for financing a mobile mortgage based on a block chain of this embodiment, based on the characteristics of data storage, information transparency, traceability and non-falsification of the block chain, all relevant transaction data and enterprise information of the financial mobile mortgage financing service of a supply chain are stored and issued on the block chain, and a receipt voucher is cross-validated in multiple ways to ensure that the data is real and reliable, so that the consistency between the mobile mortgage material and the financing application of the enterprise and the ownership of the mobile mortgage material is ensured, and dispute does not exist, so that the pre-mortgage investigation of a bank is more convenient, and the investigation result is more reliable; after the bank provides the loan, a convenient method is provided for the bank to check the daily inventory of the deposit property, so that the bank can realize low-cost real-time monitoring, the replacement and disposal of the property by a financing enterprise are avoided, the risk of providing the deposit property by the bank is finally reduced, and the dilemma that the deposit property is not favored by financial institutions such as the bank is changed. In addition, standardization and standardization of the process of the movable property pledge financing business are promoted based on the intelligent contract technology, a program is preset by adopting a computational programming language, the program is automatically executed when triggered by certain external or internal conditions, the next operation can be executed only when the preset conditions are met, the preset intelligent contract algorithm can be automatically executed by a machine under certain conditions, once the rules are fixed, the rules cannot be falsified, further, the complete transaction procedures are ensured, the operation process is standard, and the situation that all participating main bodies fall into legal disputes caused by file loss is avoided.
In addition, each module in the system of this embodiment corresponds to each step of the method embodiment, so the specific working process of each module is not described herein again, and the method embodiment may be referred to.
In addition, another embodiment of the present invention further provides an apparatus, which includes a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method described above by calling the computer program stored in the memory.
In addition, another embodiment of the present invention further provides a computer readable storage medium for storing a computer program for performing a live mortgage financing based on a blockchain, where the computer program performs the steps of the method as described above when the computer program runs on a computer.
Typical forms of computer-readable storage media include: floppy disk (floppy disk), flexible disk (flexible disk), hard disk, magnetic tape, any of its magnetic media, CD-ROM, any of the other optical media, punch cards (punch cards), paper tape (paper tape), any of the other physical media with patterns of holes, Random Access Memory (RAM), Programmable Read Only Memory (PROM), Erasable Programmable Read Only Memory (EPROM), FLASH erasable programmable read only memory (FLASH-EPROM), any of the other memory chips or cartridges, or any of the other media from which a computer can read. The instructions may further be transmitted or received by a transmission medium. The term transmission medium may include any tangible or intangible medium that is operable to store, encode, or carry instructions for execution by the machine, and includes digital or analog communications signals or intangible medium that facilitates communication of the instructions. Transmission media include coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting a computer data signal.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (9)
1. A block chain-based movable pledge financing method is characterized by comprising the following steps:
step S1: the financing enterprise node and the financing bank node sign a movable property pledge financing agreement on the block chain;
step S2: the financing bank node evaluates the value of the movable property;
step S3: the financing bank node checks the financing amount based on the assessment result of the mobile production value;
step S4: after the financing enterprise node hands over the movable property to the logistics enterprise node, the financing bank node sends financing money to the financing enterprise node;
step S5: and paying the financing cost information to the financing bank node when the financing enterprise node is due, and if the financing enterprise node is not paid for due, carrying out buyback by the core enterprise node and paying the buyback money to the financing bank node.
2. The blockchain-based chattock financing method according to claim 1, wherein the step S1 specifically includes the following contents:
step S11: the financing enterprise node negotiates the content of the movable quality escort financing agreement with the financing bank node on line, the financing enterprise node deploys the movable quality escort financing agreement on the block chain according to the agreement content achieved on line, encrypts the summary of the financing application by using the private key of the financing enterprise node and sends the encrypted summary to the financing bank node, and records the encrypted summary to the block chain;
step S12: the financing bank node verifies the signature of the abstract by using the public key of the financing enterprise node, determines that the movable property pledge financing protocol is drawn up by the financing enterprise node and the protocol content is correct, uses the private key of the financing bank node to perform signature confirmation, and uploads the signature to the block chain.
3. The blockchain-based chattock financing method according to claim 1, wherein the step S2 specifically includes the following contents:
step S21: the financing bank node calls ownership related certification information of the movable property to the Oracle node;
step S22: after the financing bank node ensures that the ownership of the movable property has no problem, the financing bank node negotiates with the logistics enterprise node to entrust the logistics enterprise node to carry out value evaluation on the movable property provided by the financing enterprise node, the financing bank node deploys an entrusting contract on the block chain, encrypts the entrusting contract by using a private key of the financing bank node, sends the entrusting contract to the logistics enterprise node, and records the entrusting contract on the block chain;
step S23: after receiving the entrusting contract of the financing bank node, the logistics enterprise node verifies the entrusting contract by using the public key of the financing bank node, determines that the entrusting contract is formulated by the bank, compares the content with the actual information of the goods without errors, and then performs signature confirmation by using the private key of the logistics enterprise node and records the signature confirmation on the block chain;
step S24: and after the logistics enterprise node evaluates the movable property value, deploying an evaluation certificate on the block chain, signing by using a private key, recording the signature on the block chain, and sending the signature to the financing bank node.
4. The blockchain-based chattock financing method according to claim 1, wherein the step S3 specifically includes the following contents:
step S31: the financing bank node checks the financing amount according to the assessment and certification of the value of the movable property, deploys the movable property pledge contract on the block chain, signs by using the private key of the financing bank node and sends the signed result to the financing enterprise node;
step S32: after receiving the movable asset pledge contract, the financing enterprise node verifies the contract by using the public key of the financing bank node, signs the contract by using the private key to confirm and uploads the contract to the block chain after confirming that the contract is drawn up by the financing bank node and confirming that the content of the contract is correct;
step S33: after the financing bank node and the core enterprise node negotiate offline, a pledge repurchase protocol is deployed on the blockchain, and the pledge repurchase protocol is signed by using a private key and then sent to the core enterprise node;
step S34: after receiving the pledge buyback protocol, the core enterprise node verifies the pledge buyback protocol by using a public key of the financing bank node, and after confirming that the protocol is formulated by the financing bank node and the contents of the protocol are correct, signature confirmation is carried out on the pledge buyback protocol by using a private key and the pledge buyback protocol is uploaded to a block chain;
step S35: after the financing bank node and the logistics enterprise node negotiate offline, a warehousing supervision protocol is deployed on the block chain, and the warehousing supervision protocol is signed by a private key and then sent to the logistics enterprise node;
step S36: after receiving the storage supervision protocol, the logistics enterprise node verifies the protocol by using the public key of the financing bank node, and after confirming that the protocol is formulated by the financing bank node and confirming that the contents of the protocol are correct, the logistics enterprise node signs and confirms the protocol on the storage supervision protocol by using the private key and uploads the protocol to the block chain.
5. The blockchain-based chattock financing method according to claim 1, wherein the step S4 includes the following contents:
step S41: the financing enterprise node hands over the movable property to the logistics enterprise node, the logistics enterprise node puts the movable property into a warehouse and issues a warehouse entry list, and the movable property is signed by a private key and then recorded on the block chain;
step S42: the financing bank node inquires a warehousing entry on the block chain, and verifies the movable property information and warehousing condition of the financing enterprise node;
step S43: the financing bank node remits financing money with a preset proportion to an account of the financing enterprise node, and the Oracle node records the transfer record remitted from the financing bank node to the financing enterprise node on the block chain;
step S44: and after confirming that the financing enterprise node receives the financing money, signing the transfer record and recording the transfer record to the block chain.
6. The blockchain-based chattock financing method according to claim 1, wherein the step S5 specifically includes the following contents:
paying financing principal information to a financing bank node when the financing enterprise node is due, recording the transfer of remittance from the financing enterprise node to the financing bank node on a block chain by an Oracle node, and signing the transfer record and uploading the transfer record to the block chain after the financing bank node confirms that the financing principal information is received;
if the financing enterprise node is due and does not pay financing cost information or is not paid enough to the financing bank node, the core enterprise node buys all or part of the movable property corresponding to the warehouse bill according to the pledge buyback agreement, pays the buyback money to the financing bank node, transfers all or part of ownership of the pledge movable property to the core enterprise node, and the Oracle node records ownership proportion attribution of the movable property on the block chain.
7. A blockchain-based mortgage financing system for mobile property, comprising:
the system comprises a movable pledge financing protocol deployment module, a movable pledge financing protocol processing module and a movable pledge financing service module, wherein the movable pledge financing protocol deployment module is used for signing a movable pledge financing protocol on a block chain by a financing enterprise node and a financing bank node;
the movable property value evaluation module is used for evaluating the movable property value by the financing bank node;
the financing amount approval module is used for the financing bank node to approve the financing amount based on the mobile asset value evaluation result;
the financing and payment management module is used for the financing bank node to send financing money to the financing enterprise node after the financing enterprise node hands over the mobile property to the logistics enterprise node;
and the financing repayment management module is used for paying financing cost information to the financing bank node when the financing enterprise node is due, and carrying out buyback by the core enterprise node and paying the buyback money to the financing bank node if the financing enterprise node is not due and paid by the full amount.
8. An apparatus comprising a processor and a memory, the memory having stored therein a computer program, the processor being configured to perform the steps of the method of any one of claims 1 to 6 by invoking the computer program stored in the memory.
9. A computer-readable storage medium storing a computer program for performing a blockchain-based mortgage financing, the computer program, when executed on a computer, performing the steps of the method according to any one of claims 1 to 6.
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