CN113850598A

CN113850598A - Floating mortgage storage financing method and device based on block chain and electronic equipment

Info

Publication number: CN113850598A
Application number: CN202111067749.4A
Authority: CN
Inventors: 马超群; 阙文郡; 周中定; 李信儒; 万丽
Original assignee: Hunan University
Current assignee: Hunan University
Priority date: 2021-09-13
Filing date: 2021-09-13
Publication date: 2021-12-28

Abstract

The method makes full use of a distributed book technology, an asymmetric encryption technology, an intelligent contract technology, a Hash algorithm, a digital signature, an intelligent contract technology and a black and white list mechanism in the block chain, forms a chain for each important participating node in the floating mortgage storage financing process, records the transaction information of each node, realizes the whole process of openness and transparence, improves the security and efficiency of transaction, solves the credit problem of each participating main body, reconstructs the trust mechanism in the international, and all information on the chain has traceability, greatly saves the transaction cost and improves the transaction efficiency.

Description

Floating mortgage storage financing method and device based on block chain and electronic equipment

Technical Field

The present application relates to the field of blockchain technologies, and in particular, to a floating mortgage storage financing method and device based on blockchain, and an electronic device.

Background

Floating mortgage refers to a mortgage established by law with all or part of the property that the corporation acquires in the future and in the prior art. During the floating period, the mortgage can normally operate the mortgage property, when a specific event or action occurs, the mortgage property is crystallized into a fixed mortgage, and the mortgage obligee can be paid for the mortgage liability priority. The main feature of floating mortgages is that the value of the mortgage target is constantly changing. The value of the mortgage targets can only be determined when certain conditions occur, such as a default by the borrower.

Currently, floating mortgages have the following problems:

the loan body is too wide. Floating mortgages currently include enterprises, individual industrial and commercial businesses, and agricultural production operators. From the management requirement of the floating mortgage, the fixed mortgage property storage place, logistics management and the like are required, and many small and medium-sized enterprises and individual industrial and commercial enterprises cannot meet the requirement, so that the bank has higher difficulty in monitoring the floating mortgage property;

secondly, the responsibility scope of the mortgage is difficult to define. The definition of the liability range of the mortgager is mainly based on the mortgage property, but the specific mortgage property is difficult to determine due to the particularity of the floating mortgage, and the value of the mortgage property has the characteristic of floatability. Therefore, it is difficult to clearly define the liability of the mortgage persons;

and the normal operation behavior of the enterprise is difficult to define. The characteristics of floating mortgages enable the mortgagers to still have the right of dealing with the mortgaged property in the operation process, which is the main reason for easily generating mortgage disputes. At present, the judgment of whether the behavior of the debtor for disposing mortgage property is normal operation behavior is still difficult;

thirdly, the property mortgage range is limited. At present, mortgage property specified by a floating mortgage system only comprises movable property, specifically production raw materials, equipment, semi-finished products and finished products of enterprises, and other movable property, real property, intellectual property and the like are not listed in the scope of the mortgage.

Disclosure of Invention

The application provides a block chain-based floating mortgage warehousing financing method on the one hand, and aims to solve the technical problems that existing floating mortgage financing is high in cost, difficult to supervise, low in efficiency and high in risk.

The technical scheme adopted by the application is as follows:

a block chain-based floating mortgage storage financing method comprises the following steps:

s1, after a financing enterprise node signs relevant contracts with a bank node, a warehousing enterprise node and an insurance company node and confirms chaining of the relevant contracts and documents through common signature, a floating mortgage loan contract is deployed on a block chain and confirms chaining through common signature with the bank node; after receiving the floating mortgage products and insurance contracts delivered by the financing enterprise node through the logistics enterprise node, the warehousing enterprise node deploys a loan guarantee agreement on the block chain and signs together with the bank node to confirm the chaining;

s2, the bank node issues borrowing to the financing enterprise node and confirms digital signature, and the financing enterprise node confirms digital signature after receiving the borrowing;

s3, deploying a buying and selling contract on a block chain by a financing enterprise node and a trading party node according to negotiation, carrying out signature confirmation on a chain by the financing enterprise node and the trading party node, sending goods to the trading party node according to the buying and selling contract by a warehousing enterprise node and carrying out common signature confirmation on the goods above a minimum limit, supplementing floating pledges to the warehousing enterprise node by the financing enterprise node through a logistics enterprise node, and carrying out signature confirmation on the chain after the value of the floating pledges is confirmed again by the warehousing enterprise node;

and S4, after the account is due, the floating mortgage is converted into a fixed mortgage, the financing enterprise node returns the borrowing to the bank node and performs common signature confirmation, after the warehousing enterprise receives the delivery application of the financing enterprise node and the repayment certificate sent to the financing enterprise node by the bank node and performs common signature confirmation and cochain, the goods are issued to the financing enterprise node, and finally the cochain is performed on the goods list and the signature confirmation.

Further, the step S1 specifically includes the steps of:

s11, the financing enterprise node sends a loan application to the bank node, a loan contract is deployed on a block chain, and the financing enterprise node and the bank node perform digital signature confirmation and record the digital signature confirmation on the chain;

s12, signing an inventory supervision contract between the financing enterprise node and the warehousing enterprise node, deploying an inventory supervision treaty on the block chain, and performing digital signature confirmation on the financing enterprise node and the warehousing enterprise node and recording the digital signature confirmation on the chain;

s13, delivering floating mortgage products to the storage enterprise nodes through the logistics enterprise nodes by the financing enterprise nodes, submitting a cargo list on a block chain, performing digital signature confirmation after receiving the cargoes by the storage enterprise nodes, and recording the digital signature confirmation on the chain;

s14, applying insurance from the financing enterprise node to an insurance company node, deploying an insurance contract on the block chain, and transferring insurance rights and interests to a warehousing enterprise node;

s15, the insurance company node requests credit investigation data such as tax payment, loan condition, credit rating and the like of the financing enterprise node from the Oracle node, the Oracle node receives the application and sends the credit investigation data of the financing enterprise node to the insurance company node, and after the insurance company node audits, the public key of the financing enterprise node is used for confirming that an insurance contract is confirmed to belong to the financing enterprise node to be drawn up and correct, and then digital signature confirmation is carried out;

s16, the financing enterprise node sends the insurance contract to the warehousing enterprise node, and the warehousing enterprise node confirms the digital signature;

s17, the financing enterprise node sends floating mortgage loan application data to the bank node, a floating mortgage loan contract is deployed on a block chain, the bank node conducts auditing on the floating mortgage loan contract, the financing enterprise node conducts digital signature confirmation with the bank node, and the digital signature confirmation is recorded on the chain;

and S18, submitting the loan guarantee agreement to the bank node by the warehousing enterprise node, uploading the loan guarantee agreement to the block chain, and receiving the loan guarantee agreement audit by the bank node for digital signature confirmation.

Further, the step S3 specifically includes:

s31, negotiating about mortgage transaction details under the line of the financing enterprise node and the transaction side node, deploying a buying and selling contract on a block chain, drawing up the buying and selling contract by the financing enterprise node according to the offline negotiation result, encrypting the summary of the buying and selling contract by using a private key of the financing enterprise node, sending the encrypted summary to the transaction side node, and recording the encrypted summary to the chain;

s32, the transaction side node verifies by using the public key of the financing enterprise node, and after the fact that the buying and selling contract is drawn by the financing enterprise node and the contents of the buying and selling contract are correct is determined, signature confirmation is carried out by using the private key of the transaction side node;

s33, for goods above the minimum limit, the financing enterprise node sends a buying and selling contract to the warehousing enterprise node and carries out digital signature confirmation;

s34, the warehousing enterprise node checks the buying and selling contracts, after confirming that the buying and selling contracts belong to normal operation activities, the warehousing enterprise node sends goods to the trading party node through the logistics enterprise node according to contract requirements and confirms digital signatures, and the trading party node receives the goods and confirms digital signatures;

s35, analyzing and producing mortgage like products according to market demands by the financing enterprise nodes, generating a production budget table on the block chain, sending the production budget table and production instructions to the production department nodes, and simultaneously carrying out digital signature confirmation;

and S36, the financing enterprise node supplements the floating pledge to the warehousing enterprise node through the logistics enterprise node, sends a cargo list, receives the cargo by the warehousing enterprise node, reconfirms the value of the floating pledge according to the market value, performs digital signature confirmation, and records the value on the chain.

Further, the cargo above the minimum limit specifically refers to cargo above ninety percent of the minimum limit.

Further, the step S4 specifically includes the steps of:

s41, when the repayment deadline is reached, the floating collateral is crystallized and converted into fixed collateral, the financing enterprise node returns the loan to the bank node and confirms the digital signature, and the bank node receives the digital signature confirmation after returning the loan;

s42, applying for a printing repayment certificate to the bank node by the financing enterprise node, and performing digital signature confirmation after the bank node receives the application;

s43, the bank node sends a repayment certificate to the financing enterprise node, and the financing enterprise node receives the repayment certificate and then conducts digital signature confirmation;

s44, the financing enterprise node sends a repayment certificate and a delivery application to the warehousing enterprise node and conducts digital signature confirmation, and the warehousing enterprise node conducts digital signature confirmation after receiving the application and records the digital signature confirmation on the chain;

s45, the warehousing enterprise node issues goods to the financing enterprise node through the logistics enterprise node, a goods list is sent on the block chain, and after the goods list is checked to be correct by the financing enterprise node, digital signature confirmation is carried out and is recorded on the chain.

This application another aspect still provides a mortgage storage financing device floats based on block chain, includes:

the financing application module is used for the financing enterprise node to sign related contracts with the bank node, the storage enterprise node and the insurance company node and to arrange the floating mortgage contract on the block chain after the related contracts and the documents are jointly signed and confirmed to be chain-linked; after receiving the floating mortgage products and insurance contracts delivered by the financing enterprise node through the logistics enterprise node, the warehousing enterprise node deploys a loan guarantee agreement on the block chain and signs together with the bank node to confirm the chaining;

the financing issuing module is used for issuing borrowing to the financing enterprise node by the bank node and confirming the digital signature, and the financing enterprise node receives the borrowing and then confirms the digital signature;

the goods sending and supplementing module is used for deploying a buying and selling contract on a block chain by the financing enterprise node and the transaction party node according to negotiation, signing and confirming the uplink by the financing enterprise node and the transaction party node, sending goods to the transaction party node according to the buying and selling contract and jointly signing and confirming the goods for goods above the minimum quota, supplementing floating pledgets to the warehousing enterprise node by the financing enterprise node through the logistics enterprise node, and signing and confirming the uplink after the value of the floating pledgets is confirmed again by the warehousing enterprise node;

the application also provides an electronic device, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the program to realize the block chain-based floating mortgage storage financing method.

The application also provides a storage medium, which comprises a stored program, and when the program runs, the device where the storage medium is located is controlled to execute the block chain-based floating mortgage storage financing method.

Compared with the prior art, the method has the following beneficial effects:

the application provides a block chain-based floating mortgage storage financing method, a block chain-based floating mortgage storage financing device and electronic equipment, the application makes full use of distributed account book technology, asymmetric encryption technology, intelligent contract technology, Hash algorithm, digital signature, identity authentication and other technologies in the block chain, meanwhile, a storage enterprise is set as a core node, the storage enterprise is used as a guarantor, the middle and small enterprises have the opportunity of using the floating mortgage to conduct financing, and the technologies ensure that whether the inflow and outflow of floating mortgages belong to normal operation behaviors of the enterprises or not can be supervised, so that the loan risk of banks is greatly reduced, and a solid foundation is provided for the middle and small enterprises to popularize the financing mode of floating mortgage loan. The method and the system apply a block chain technology, the whole process of the floating mortgage type storage financing is recorded on a chain, through the consensus mechanism and repeated confirmation of all nodes, people keep accounts, the information is guaranteed to be not falsified and transparently disclosed, the information is guaranteed to be complete, lossless, real and reliable, credit risks of all parties are reduced, authenticity and not falsification of the data are guaranteed, the data is publicly and transparently realized, the risk problem that floating mortgages of financing enterprises flow in and flow out in the whole storage financing is effectively solved, and the problem of information asymmetry between the financing enterprises and banks is solved. The method and the system utilize a black-and-white list mechanism system, and can effectively urge each enterprise on the chain to better standardize own behaviors in the whole transaction process for the enterprise reputation of the enterprise and the long-term development in the future. In particular, the conditions that the risk of the financing bank is high and the loan cannot be recovered can be improved. This application utilizes the block chain technique to form a chain with each important node of participating in to all record the cochain with the transaction information of each node, realize the public transparence of full flow, improved the security and the efficiency of transaction, solve the credit problem of each participant main part, remold the trust mechanism in the international trade, and all information on the chain all have the traceability, practiced thrift the transaction cost greatly, improved transaction efficiency.

In addition to the objects, features and advantages described above, other objects, features and advantages will be apparent from the present application. The present application will now be described in further detail with reference to the accompanying drawings.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the application and, together with the description, serve to explain the application and are not intended to limit the application. In the drawings:

fig. 1 is a network deployment diagram of the preferred embodiment of the present application.

Fig. 2 is a schematic flow chart of a block chain-based floating mortgage warehouse financing method according to the preferred embodiment of the present application.

Fig. 3 is a schematic service structure diagram of a block chain-based floating mortgage warehousing financing method according to another preferred embodiment of the present application.

Fig. 4 is a schematic diagram of a service timing sequence of a block chain-based floating mortgage warehouse financing method according to another preferred embodiment of the present application.

Fig. 5 is a block chain based floating mortgage storage financing device module in accordance with the preferred embodiment of the present application.

Fig. 6 is a schematic block diagram of an electronic device entity according to a preferred embodiment of the present application.

Detailed Description

It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.

For the convenience of understanding, the technical terms and the multi-party nodes involved in the blockchain network in the blockchain-based floating mortgage warehousing financing method are explained first.

The block chain technology, also called as distributed book technology, is an emerging technology in which a plurality of computer devices participate in 'accounting' together, and maintain a complete distributed database together. The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. Broadly, the blockchain technique is a completely new distributed infrastructure and computing approach that utilizes blockchain data structures to verify and store data, utilizes distributed node consensus algorithms to generate and update data, utilizes cryptography to secure data transmission and access, and utilizes intelligent contracts composed of automated script code to program and manipulate data.

The intelligent contract technology is essentially a program written in a certain computing programming language, which is stored in a container provided by a blockchain system and automatically runs under the trigger of a certain external or internal condition. The intelligent contract is reflected in the real world, the rules in the real world are realized by using a computer language, the machine is ensured to automatically execute the preset intelligent contract calculation under certain conditions, and the rules cannot be tampered once fixed. An intelligent contract is a special protocol that aims to provide, validate and execute contracts. In particular, smart contracts are an important reason why blockchains are referred to as "decentralized," which allows us to perform traceable, irreversible, and secure transactions without the need for third parties. The intelligent contract contains all information about the transaction, is subject to a binding digital protocol, and performs the resulting operation only after the requirements are met.

The asymmetric encryption technology is different from symmetric encryption, keys used in the encryption and decryption processes of the asymmetric encryption are different and are divided into public keys and private keys, when the public keys are used for encrypting data, only the corresponding private keys can be used for decryption, when the private keys are used for encrypting data, only the corresponding public keys can be used for decryption, two users are supposed to encrypt and exchange data, the public keys are exchanged by the two users, one party is encrypted by the public key of the other party during use, and the other party can be used for decryption by the private key of the other party. Suppose A encrypts the message by the public key of B and signs by the private key of A, B receives the message, firstly verifies the signature by the public key of A, and decrypts the message by the private key of B after confirmation. Since the public key can be made public, the user only needs to keep the own private key, so the distribution of the encryption key becomes very simple. Meanwhile, because the private key of each user is unique, other users can verify whether the source of the information is real or not through the public key of the information sender, and the sender can be ensured not to deny that the information is sent once through the digital signature. Currently, the asymmetric encryption algorithm is usually used as RSA algorithm and elliptic curve algorithm (ECSDA).

The Hash algorithm, which is a very fundamental and important computer algorithm, can map binary plaintext strings of any length into shorter binary strings (Hash values) of fixed length, and different plaintext is difficult to map into the same Hash value. An excellent Hash algorithm can implement the following functions: forward fast, reverse difficult, input sensitive, collision avoidance, and therefore, the Hash algorithm is also called fingerprint (fingerprint) or digest (digest).

The digital identity is authenticated by adopting a digital signature technology, the digital signature utilizes the principle of cryptography, has uniqueness relative to a signer during use, and is computationally infeasible to forge a digital signature, so that the real identity of the signer can be identified through the digital signature, and the identity cannot be repudiated.

Digital time-stamp (digital time-stamp) is a technology for safely confirming and efficiently maintaining the transaction or the specific time of the transaction in the network, and has legal effectiveness and no way for any organization or person to tamper with the timestamp to confirm the transaction or the time and date of the transaction. All nodes participating in transaction data recording in the block chain can guarantee the occurrence time of the written block data to be real and effective through time verification of the digital time stamps, and therefore reliable time guarantee is provided for the data input sequence and the chain storage in the block chain. The time stamp ensures that the occurrence time of the historical transaction has non-falsification and non-repudiation, and all historical data can be sequentially traced through the time stamp.

The digital certificate is an electronic document issued by a CA authentication center, is a string of numbers capable of indicating network user identity information, and provides a way of verifying the identity of a network user on a computer network, so the digital certificate is also called digital identification. The digital certificate guarantees the integrity and safety of information and data in the computer network traffic of network users in an encrypted or decrypted form.

The consensus mechanism is used for completing the verification and confirmation of the transaction in a short time through the voting of special nodes; for a transaction, if several nodes with irrelevant benefits can achieve consensus, we can consider that the whole network can achieve consensus for the node.

Aiming at the defects in the prior art, the technical scheme adopted by the application is divided into four parts, namely a block chain subsystem, an identity authentication subsystem, an intelligent contract subsystem and a black and white list mechanism system.

Block chain subsystem: the system is used for storing the floating change of the price of the mortgage, recording the relevant transaction process of the mortgage, providing credible data and being capable of inquiring and tracing the transaction data.

The identity authentication subsystem: the identities of the mortgage and the custodian are uniquely identified by technologies such as asymmetric encryption and hash algorithm, the participator of each transaction is verified, the document is ensured not to be counterfeited, and the data safety and privacy are ensured.

The intelligent contract subsystem: the method is used for realizing the automatic execution of the whole mortgage process, entering a repayment flow when a repayment deadline arrives, and sealing the entering of the mortgage object if the mortgage object is closed by an enterprise or a third party supervisor monitors that the mortgage material flow direction is abnormal.

Black and white list mechanism system: the system is used for restricting the default behavior of loan applicants, and records the default behavior to the chain to reduce the risk of floating mortgage loans.

As shown in the network deployment diagram of fig. 1, the network node of the block chain-based floating mortgage warehousing financing service includes:

(ii) Oracle node (prophetic machine): a platform for providing external information, which can allow the block chain to be connected to any existing API, and can import, store and export information related to network nodes on the block chain, thereby realizing dynamic acquisition of the information;

secondly, financing enterprise nodes: the loan company applies its entire property or some of its future properties to the bank as mortgages that define production facilities, raw materials, semi-finished products, products. Before the mortgage, the company has the right to sell and process floating mortgage assets, such as selling, leasing and even mortgage to others, under normal business conditions;

③ the bank node: transacting loan for enterprises according to application data provided by loan applicants, entrusting a third party to monitor inflow and outflow of mortgages related to loan applicants, recording value changes of the mortgages, and if debtors do not fulfill due debts or the situation that the mortgages are realized by parties is met, banking seals floating mortgages, and then the mortgages can be processed;

fourthly, the storage enterprise nodes: the system is responsible for monitoring and managing mortgaged products of mortgages of enterprises, monitoring and recording inflow and outflow of mortgages, and serving as a guarantee person for floating mortgage financing of the enterprises, when the enterprises cannot pay money, the floating mortgages are crystallized into fixed mortgages, and storage enterprises have disposal rights to the fixed mortgages;

the trading side node: the node is used for normal commercial trade of the mortgage with the mortgage company before the sealing of the floating mortgage, so that the value of the floating mortgage is reduced;

production department node: the semi-finished product, the raw material and other mortgages are produced into products, so that the value of the floating mortgages is increased;

seventhly, insurance company node: providing insurance service for the mortgages and benefiting the mortgages;

the logistics enterprise nodes are: providing logistics service for financing enterprises and warehousing enterprises.

As shown in fig. 2, a preferred embodiment of the present application provides a block chain-based floating mortgage warehouse financing method, which includes the steps of:

The embodiment provides a block chain-based floating mortgage storage financing method, which makes full use of distributed account book technology, asymmetric encryption technology, intelligent contract technology, Hash algorithm, digital signature, identity authentication and other technologies in a block chain, meanwhile, a storage enterprise is set as a core node, the storage enterprise is used as a design of a guarantor, so that small and medium enterprises have the opportunity of financing by using floating mortgages, and the technologies ensure that whether inflow and outflow of floating mortgages belong to normal operation behaviors of the enterprises, so that the loan risk of banks is greatly reduced, and a solid foundation is provided for popularization of floating mortgage loan in small and medium enterprises. The embodiment applies a block chain technology, records the whole process of the floating mortgage type storage financing on a chain, and through the consensus mechanism and repeated confirmation of each node, people keep accounts, the information is guaranteed to be not falsified and transparently disclosed, the information is guaranteed to be complete, undamaged, authentic and reliable, the credit risk of each party is reduced, the authenticity and the non-falsification of data are guaranteed, the data is transparently disclosed, the risk problem that floating mortgages of financing enterprises flow in and flow out in the whole storage financing enterprise is effectively solved, and the problem of information asymmetry between the financing enterprises and banks is solved. In the embodiment, a black-and-white list mechanism system is utilized, so that enterprises on the chain can be effectively urged to better standardize own behaviors in the whole transaction process for the enterprise reputation of the enterprises and the long-term development in the future. In particular, the conditions that the risk of the financing bank is high and the loan cannot be recovered can be improved. In the embodiment, each important participating node forms a chain by using a block chain technology, and the transaction information of each node is recorded and linked up, so that the whole process is public and transparent, the security and efficiency of the transaction are improved, the credit problem of each participating main body is solved, a trust mechanism in international trade is reconstructed, all information on the chain has traceability, the transaction cost is greatly saved, and the transaction efficiency is improved.

In a preferred embodiment of the present application, the step S1 specifically includes the steps of:

In the embodiment, when applying for financing, a financing enterprise node sends a loan application to a bank node and deploys a loan contract on a block chain, the loan contract is signed and confirmed by the financing enterprise node to the bank node, then the financing enterprise node delivers a floating mortgage product to a warehousing enterprise node according to an inventory supervision contract signed with the warehousing enterprise node, then the financing enterprise node applies for insurance to an insurance company node, the insurance company node uses a black-and-white list mechanism system to inquire credit investigation data of the financing enterprise node through an Oracle node and then signs an insurance contract, then the financing enterprise node sends the insurance contract to the warehousing enterprise node, finally, the financing enterprise node deploys the floating mortgage contract on the block chain and signs and confirms a chain with the bank node, meanwhile, the warehousing enterprise node submits a loan guarantee agreement to the bank node and uploads the agreement to the block chain, and the bank node receives the loan guarantee audit, a digital signature validation is performed. In the embodiment, the authenticity of credit investigation data of financing enterprise nodes is called through the intervention of a plurality of nodes, particularly Oracle nodes, so that counterfeiting is prevented, the loan risk of bank nodes is reduced, meanwhile, related data related to various contracts signing in the financing process are published on a chain after being digitally signed by the related nodes, through the consensus mechanism and repeated confirmation of the nodes, people keep accounts, the information is guaranteed not to be falsified and transparently disclosed, the information is guaranteed to be complete, lossless, real, reliable, real-time controllable, and the financing risk is reduced.

In a preferred embodiment of the present application, the step S3 specifically includes the steps of:

s33, for goods with the minimum quota more than ninety percent, the financing enterprise node sends a buying and selling contract to the warehousing enterprise node and carries out digital signature confirmation;

In the embodiment, the lowest limit of sending is set in the process of sending and supplementing the goods, simultaneously, after the goods are sent, mortgage like products can be produced through a production department node, floating pledges are supplemented to a storage enterprise node in time, simultaneously, after the storage enterprise node receives the goods, the floating pledge value is reconfirmed according to market values and the chaining is signed, the mortgage value is ensured to be always in a reasonable range, the risk of a bank node is reduced, related document information is published on a chain after being digitally signed by each related node in the cooperative process of the financing enterprise node, a trading party node, the storage enterprise node and the production department node, the people keep accounts, the information is not falsified and transparently disclosed, the completeness, the trueness, the reliability and the real-time controllability of the information are ensured, and the risk of financing is reduced.

In a preferred embodiment of the present application, the step S4 specifically includes the steps of:

In the loan returning process, after the account is due, the floating collateral is firstly crystallized and converted into fixed collateral, the financing enterprise node returns the loan to the bank node and confirms the cochain by the signature of both parties, then the bank node sends a repayment certificate to the financing enterprise node, and then the warehousing enterprise node sends the goods to the financing enterprise node after receiving the repayment certificate and the delivery application sent by the financing enterprise node. As the related information related in the process is published on the chain after being digitally signed by each related node, and through the consensus mechanism and repeated confirmation of each node, people keep accounts, guarantee that the information cannot be tampered and is transparently disclosed, guarantee that the information is complete, lossless, real, reliable, real-time and controllable, and reduce the financing risk.

As shown in fig. 3 and 4, the preferred embodiment of the present application further provides a block chain-based floating mortgage warehouse financing method, which includes the steps of:

s1, a financing enterprise node sends a loan application to a bank node, a loan contract is deployed on a block chain, and the financing enterprise node and the bank node perform digital signature confirmation and record the digital signature confirmation on the chain;

s2, signing an inventory supervision contract between the financing enterprise node and the warehousing enterprise node, deploying an inventory supervision treaty on the block chain, and performing digital signature confirmation on the financing enterprise node and the warehousing enterprise node and recording the digital signature confirmation on the chain;

s3, delivering floating mortgage products to the storage enterprise nodes through the logistics enterprise nodes by the financing enterprise nodes, submitting a cargo list on a block chain, performing digital signature confirmation after receiving the cargoes by the storage enterprise nodes, and recording the digital signature confirmation on the chain;

s4, applying insurance from the financing enterprise node to an insurance company node, deploying an insurance contract on the block chain, and transferring insurance rights and interests to a warehousing enterprise node;

s5, the insurance company node requests credit investigation data of the financing enterprise node from the Oracle node, the Oracle node receives an application to send the credit investigation data of the financing enterprise node to the insurance company node, and after the insurance company node audits, the public key of the financing enterprise node is used for confirming that an insurance contract belongs to the financing enterprise node to be formulated and is correct, and then digital signature confirmation is carried out;

s6, the financing enterprise node sends the insurance contract to the warehousing enterprise node, and the warehousing enterprise node performs digital signature confirmation;

s7, the financing enterprise node sends floating mortgage loan application data to the bank node, a floating mortgage loan contract is deployed on a block chain, the bank node conducts auditing on the floating mortgage loan contract, the financing enterprise node conducts digital signature confirmation with the bank node, and the digital signature confirmation is recorded on the chain;

s8, submitting a loan guarantee agreement to a bank node by the warehousing enterprise node and uploading the loan guarantee agreement to the block chain, and receiving the loan guarantee agreement audit by the bank node and carrying out digital signature confirmation;

s9, the bank node issues borrowing to the financing enterprise node and confirms digital signature, and the financing enterprise node confirms digital signature after receiving the borrowing;

s10, negotiating about mortgage transaction details under a financing enterprise node and a trader node line, deploying buying and selling contracts on a block chain, drawing up the buying and selling contracts by the financing enterprise node according to an offline negotiation result, encrypting the digests of the buying and selling contracts by using a private key of the financing enterprise node, sending the digests to the trader node, and recording the digests to the chain;

s11, the transaction side node verifies by using the public key of the financing enterprise node, and after the fact that the buying and selling contract is drawn by the financing enterprise node and the contents of the buying and selling contract are correct is determined, signature confirmation is carried out by using the private key of the transaction side node;

s12, for goods with the minimum quota more than ninety percent, sending a buying and selling contract to the warehousing enterprise node by the financing enterprise node, and carrying out digital signature confirmation;

s13, the warehousing enterprise node checks the buying and selling contracts, after confirming that the buying and selling contracts belong to normal operation activities, the warehousing enterprise node sends goods to the trading party node through the logistics enterprise node according to contract requirements and confirms digital signatures, and the trading party node receives the goods and confirms digital signatures;

s14, analyzing and producing mortgage like products according to market demands by the financing enterprise nodes, generating a production budget table on the block chain, sending the production budget table and production instructions to the production department nodes, and simultaneously carrying out digital signature confirmation;

s15, the financing enterprise node supplements floating pledges to the warehousing enterprise node through the logistics enterprise node and sends a cargo list, the warehousing enterprise node receives the cargoes, reconfirms the value of the floating pledges according to the market value, and performs digital signature confirmation and records the result in a chain;

s16, when the repayment deadline is reached, the floating collateral is crystallized and converted into fixed collateral, the financing enterprise node returns the loan to the bank node and confirms the digital signature, and the bank node receives the digital signature confirmation after returning the loan;

s17, applying a printing repayment certificate to the bank node by the financing enterprise node, and performing digital signature confirmation after the bank node receives the application;

s18, the bank node sends a repayment certificate to the financing enterprise node, and the financing enterprise node receives the repayment certificate and then conducts digital signature confirmation;

s19, the financing enterprise node sends a repayment certificate and a delivery application to the warehousing enterprise node and conducts digital signature confirmation, and the warehousing enterprise node conducts digital signature confirmation after receiving the application and records the digital signature confirmation on the chain;

and S20, the warehousing enterprise node issues goods to the financing enterprise node through the logistics enterprise node, sends a goods list on the block chain, and performs digital signature confirmation after the goods list is checked to be correct by the financing enterprise node receiving and recording the digital signature confirmation to the chain.

As shown in fig. 5, the preferred embodiment of the present application further provides a block chain-based floating mortgage storage financing device, comprising:

and the repayment module is used for converting the floating mortgage into the fixed mortgage after the account is expired, returning the borrowing to the bank node by the financing enterprise node and carrying out common signature confirmation, after the warehousing enterprise receives the delivery application of the financing enterprise node and the repayment certificate sent to the financing enterprise node by the bank node and carrying out common signature confirmation chaining, distributing the goods to the financing enterprise node, and finally carrying out common signature confirmation chaining on the goods list.

As shown in fig. 6, another embodiment of the present application further provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the block chain-based floating mortgage warehouse financing method when executing the program.

Another embodiment of the present application further provides a storage medium, where the storage medium includes a stored program, and when the program runs, the apparatus where the storage medium is located is controlled to execute the block chain-based floating mortgage storage financing method.

In summary, compared with the prior art, the application has the following advantages:

the whole process of floating mortgage type storage financing is recorded on the chain through the block chain technology, through the consensus mechanism and repeated confirmation of all nodes, people keep accounts, the information is guaranteed not to be falsified and to be transparently disclosed, the information is guaranteed to be complete, lossless, real and reliable, and the credit risk of all parties is reduced. In a traditional mode, each participating main body in the transaction is divided into different administrative departments, information islands exist among the parties, the participating main bodies usually consume a large amount of time cost and money cost due to the asymmetric information problem, and the transaction efficiency and the transaction success rate are greatly reduced. The important participating nodes form a chain by utilizing a block chain technology, transaction information of each node is recorded and linked, the whole process is public and transparent, the security and the efficiency of transaction are improved, the credit problem of each participating main body is solved, a trust mechanism in international trade is reconstructed, all information on the chain has traceability, the transaction cost is greatly saved, and the transaction efficiency is improved.

The method and the system have the advantages that technologies such as asymmetric encryption technology, intelligent contract technology, Hash algorithm, digital signature and identity authentication in the block chain are utilized, authenticity and untrustworthy of data are guaranteed, data are disclosed and transparent, the risk problem that floating mortgages of financing enterprises flow in and flow out in the whole storage financing process is effectively solved, and the problem of information asymmetry between the financing enterprises and banks is solved. The method adopts a calculation programming language to preset a program, automatically runs when triggered by certain external or internal conditions, and executes the next operation only when the preset conditions are met, so that the machine automatically executes the preset intelligent contract calculation under certain conditions, and once the rules are fixed, the rules cannot be tampered, thereby ensuring the normalization of the business files and the correctness of the application operation. The block chain technology can improve the verification efficiency of banks, reduce bank risks, standardize the operation flow of nodes of manufacturing enterprises, improve the efficiency of financing business and standardize business flow.

It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.

The functions of the method of the present embodiment, if implemented in the form of software functional units and sold or used as independent products, may be stored in one or more storage media readable by a computing device. Based on such understanding, part of the contribution to the prior art of the embodiments of the present application or part of the technical solution may be embodied in the form of a software product stored in a storage medium and including several instructions for causing a computing device (which may be a personal computer, a server, a mobile computing device or a network device) to execute all or part of the steps of the method described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A block chain-based floating mortgage storage financing method is characterized by comprising the following steps:

2. The block chain-based floating mortgage warehouse financing method as claimed in claim 1, wherein the step S1 specifically comprises the steps of:

s15, the insurance company node requests credit investigation data of the financing enterprise node from the Oracle node, the Oracle node receives an application to send the credit investigation data of the financing enterprise node to the insurance company node, and after the insurance company node audits, the public key of the financing enterprise node is used for confirming that an insurance contract belongs to the financing enterprise node to be formulated and is correct, and then digital signature confirmation is carried out;

3. The block chain-based floating mortgage warehouse financing method as claimed in claim 1, wherein the step S3 specifically comprises:

4. The block chain based floating mortgage storage financing method according to claim 1 or 3,

the cargo above the minimum limit specifically refers to cargo above ninety percent of the minimum limit.

5. The block chain-based floating mortgage warehouse financing method as claimed in claim 1, wherein the step S4 specifically comprises the steps of:

6. A floating mortgage storage financing device based on a blockchain, comprising:

7. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the blockchain-based floating collateral warehouse financing method according to any one of claims 1 to 5.

8. A storage medium comprising a stored program, wherein the program, when executed, controls a device on which the storage medium is located to perform the blockchain-based floating mortgage warehouse financing method according to any one of claims 1 to 5.