CN117391688A - Supply chain finance prepayment type financing mode management platform based on blockchain - Google Patents
Supply chain finance prepayment type financing mode management platform based on blockchain Download PDFInfo
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- CN117391688A CN117391688A CN202311481116.7A CN202311481116A CN117391688A CN 117391688 A CN117391688 A CN 117391688A CN 202311481116 A CN202311481116 A CN 202311481116A CN 117391688 A CN117391688 A CN 117391688A
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Abstract
The invention relates to a supply chain financial prepayment type financing mode management platform based on a blockchain, which combines a blockchain technology with a supply chain financial financing mode, wherein each party of a financial institution, a core enterprise, a downstream enterprise and a warehouse supervision party establishes an intelligent contract of a purchasing item, each node maintains the same account together, the downstream enterprise financing according to the intelligent contract, and at least the triggering condition of the core enterprise and the downstream enterprise paying money and the time of the downstream enterprises for financing are arranged in the intelligent contract; the intelligent contract signed by the buyer and the seller can be executed only when the preset condition is met, the logistics information of goods can be mastered in time through the information in the chain, the information acquisition cost of each main body on the supply chain is almost zero, and the financial institution does not need to pay credit cost any more, so that the business innovation can be facilitated.
Description
Technical Field
The invention relates to the technical field of supply chain financial prepayment type financing mode management, in particular to a supply chain financial prepayment type financing mode management platform based on a block chain.
Background
The supply chain management mode has the problems of stock accumulation, large fund occupation pressure, internal financing constraint of enterprises and the like, so that the enterprise fund use benefit is low, the internal fund shortage of the enterprises is easy to cause, and the enterprises face the problem of the higher financing constraint. The defects are that: (1) At present, the information sharing among the main bodies of the supply chain finance is limited, the dealers and suppliers in the general chain have respective information management platforms and are not compatible with the information platforms of the core enterprises unless the core enterprises have absolute speaking rights, and the enterprises are not willing to dock the own platform with the core enterprises due to the protection of privacy, so that the information of the enterprises and the upstream enterprises and the downstream enterprises which have transactions with the enterprises are reflected, the information coverage capability of the whole chain is limited, and the real information sharing cannot be realized.
(2) The phenomenon of weak level transmission force exists, and in risk control, financial institutions only wish to provide financing for primary and secondary sellers, but do not provide financing for tertiary and quaternary.
The information validity is not guaranteed, the property circulation of the enterprise is poor, risks such as artificial malicious fiction and tampering exist, and even though the electronic supply chain integrates generated fund flows, logistics and the like, a certain time lag exists after the systems are in butt joint, so that a certain time difference exists between the mastering of the information and the actual situation of a financial institution, and the risks are also caused.
The beneficial effects are that: the invention provides a supply chain financial prepayment type financing mode management platform method based on a blockchain, which can effectively prevent unfunctioning risks by using intelligent contract technology, and avoids trade opponent risks, namely risks brought by that one party does not obey contract terms; the consensus algorithm on the blockchain enables the information on the chain to be provided with a time stamp, has the characteristics of no repetition and no tampering, and can leave marks if tampered, so that the information on the chain is safe and reliable, the concern of a financial institution on the authenticity of the information is solved, the problem of information asymmetry between the financial institution and an enterprise is broken, and the financial institution can timely know transaction logistics information and timely examine and approve the enterprise application; based on the characteristic of traceability of the blockchain, the material purchasing, processing and transportation from the initial end of the chain to the terminal sales can be recorded and traced, the whole transaction process is clear and transparent, so that trust can be transferred along the chain, the credit of a core enterprise can be transferred in multiple layers, namely, the credit can be split, each layer of the split has corresponding data traceability, and the problem that a former financial institution is willing to provide financing for primary and secondary sellers only and is unwilling to provide financing for middle and small enterprises in long tail is avoided; the authority privacy of each main body can be ensured, all persons and institutions joining in the blockchain can join in the chain through verification of the identity authentication chain, the authority privacy enables sharing information to be shared under a certain condition, and participants of the supply chain finance parties set sharing rules, so that the participants can better exchange trust and exchange value; the operation efficiency can be improved for financial institutions, and the operation and risk costs are reduced.
Disclosure of Invention
In order to solve the problems, the invention provides a method for a supply chain financial prepayment type financing mode management platform based on a blockchain, which combines a blockchain technology with the supply chain financial financing mode, ensures the traceability and the safety of data, ensures that intelligent contracts signed by buyers and sellers can be executed only under the condition of meeting preset conditions, can timely master the logistics information of goods through in-chain information, has almost zero information acquisition cost for each main body on the supply chain under the drive of the blockchain technology, and can promote business innovation without paying credit investigation cost compared with the prior to the quotation of the blockchain technology.
Description of the drawings: FIG. 1 is a diagram of a supply chain financial prepayment type financing mode operation.
In order to achieve the above purpose, the invention adopts the following technical scheme:
a blockchain-based supply chain financial prepayment type financing model management platform, comprising the steps of:
s1: the intelligent contract of a purchasing project is established by each side of a financial institution, a core enterprise, a downstream enterprise and a storage supervisor, a blockchain bottom layer architecture is adopted, the same account book is commonly maintained by each node, the core enterprise is associated to one downstream enterprise, each downstream enterprise is associated with at least one lower-level supplier, the downstream enterprise carries out financing according to the intelligent contract, and at least the triggering conditions of the core enterprise and the downstream enterprise paying are arranged in the intelligent contract, and the time of the financing of each downstream enterprise is also set. And constructing a data system, and accessing each main body on a supply chain to a platform to share data.
And S2, an identity authenticator is a group of nodes with different nodes of the blockchain platform, a plurality of nodes in the node group operate simultaneously and are used for creating and managing digital IDs on the blockchain, the digital IDs are stored on the identity chain and are used for uniquely identifying identity authentications of two parties in the transaction of the blockchain system, each body on the blockchain inputs corresponding identity information for authentication, and the identity authentication and whether the information authentication is true or not are carried out through a verification information terminal so as to ensure that the data sources are credible.
S3, recording related information of each subject operation process on the supply chain, and storing the related information on an activity recording chain, wherein the information comprises financial transaction records, repayment times, spending times and repayment time, and whether the repayment time is on time or not is recorded, and the information is used as data reference for transactions between each subject and a financial institution; through deep research, three-dimensional supervision and panoramic prediction, and simultaneously combining with industry and industry chain characteristics, mechanisms such as monitoring, early warning, evaluation and the like of financial credit risks of a supply chain are perfected, risks are analyzed and judged, enterprise operation conditions, financial conditions and corporate treatment conditions on the chain are deeply researched, relevant enterprises, financing repayment sources, mortgage guarantee conditions and special mortgage rate and guarantee setting of agricultural and sideline products are concerned, and financing amount is accurately measured and calculated; after negotiating with the core enterprise, the downstream enterprise uploads the transaction condition to the intelligent contract, contracts according to the intelligent contract, negotiates the financing applied by the downstream enterprise, and is specially used for paying the purchase money.
And S4, the downstream enterprises apply for the consignment mortgage loans to the banks according to the intelligent contracts.
S5: and the core enterprise signs a purchase back and quality assurance protocol with the bank.
S6: to prevent the generation of false transactions, a financial institution generally needs to introduce a professional third party logistics organization to monitor the cargo transactions of a core enterprise and a downstream enterprise, so as to inhibit the risk caused by collusion of the core enterprise and the downstream enterprise to a financial system, and a bank entrusts a monitoring warehouse to check and accept and monitor the cargo in the agreement; the bank can master the real situation of logistics in the supply chain in real time to reduce the credit risk, the supervision bin also obtains the warehousing service of the client, the supervision is accessed as a connection point, and the corresponding data viewing authority is possessed, so that the effective supervision on the transaction is realized.
S7: the core enterprise delivers the information to the supervision warehouse according to the prepared treaty on the intelligent contract.
S8: the supervision warehouse transmits supervision information to the bank in real time, periodically detects the paying triggering condition of the core enterprise or each downstream enterprise, increases the AI snapshot technology, periodically snapshots the irregular behavior of the enterprise (such as the behavior of the loss of goods caused by human factors), automatically generates the rectifying task under the non-compliance condition, and confirms information of the bank, and if the information is wrong, the rectifying task is uploaded after the rectifying task is finished.
S9: when the bank confirms that the information is correct, the transaction is normally carried out, and the bank gives the full money of the purchase to the core enterprise.
S10: the downstream enterprises pay partial goods to the banks, and can extract goods from the appointed warehouse in batches without paying all the goods at one time and pay loans of the financial institutions in batches with future sales income.
S11: the bank notifies the supervision bin to issue part of goods to downstream enterprises, and the operation can be circulated until the goods are taken out.
The block chain builds a right-confirming platform, so that information penetration is realized, the order is real and reliable, and once order data is generated, the order data cannot be randomly changed unilaterally, so that the original transaction fiction is solved, the cross-level penetration of credit is realized, and the basis of supply chain finance is consolidated.
The block chain establishes a consensus mechanism to strengthen information sharing, and data on a platform can be restored even if the data is tampered with at a certain node because each node forms the same database, thereby ensuring the authenticity of the data; the method can realize cross-regional accounting of a plurality of links of the supply chain, so that the running process of goods in the links of purchasing, producing, circulating and selling can be checked and supervised, and the risk formed by uncontrollable supply chain finance to the actual conditions of the supply chain is avoided.
The block chain establishes intelligent contracts, improves application efficiency, automatically signs through the intelligent contracts, automatically recognizes abnormal changes of goods, feeds back on the block chain in real time, reduces man-machine interaction, plays a role in early warning on supply chain finance in time, so that quick response is realized, credit level and financing amount are adjusted, and management efficiency is improved.
The invention provides a supply chain financial prepayment type financing mode management platform method based on a blockchain, which can effectively prevent unfunctioning risks by using intelligent contract technology, and avoids trade opponent risks, namely risks brought by that one party does not obey contract terms; the consensus algorithm on the blockchain enables the information on the chain to be provided with a time stamp, has the characteristics of no repetition and no tampering, and can leave marks if tampered, so that the information on the chain is safe and reliable, the concern of a financial institution on the authenticity of the information is solved, the problem of information asymmetry between the financial institution and an enterprise is broken, and the financial institution can timely know transaction logistics information and timely examine and approve the enterprise application; based on the characteristic of traceability of the blockchain, the material purchasing, processing and transportation from the initial end of the chain to the terminal sales can be recorded and traced, the whole transaction process is clear and transparent, so that trust can be transferred along the chain, the credit of a core enterprise can be transferred in multiple layers, namely, the credit can be split, each layer of the split has corresponding data traceability, and the problem that a former financial institution is willing to provide financing for primary and secondary sellers only and is unwilling to provide financing for middle and small enterprises in long tail is avoided; the authority privacy of each main body can be ensured, all persons and institutions joining in the blockchain can join in the chain through verification of the identity authentication chain, the authority privacy enables sharing information to be shared under a certain condition, and participants of the supply chain finance parties set sharing rules, so that the participants can better exchange trust and exchange value; the operation efficiency can be improved for financial institutions, and the operation and risk costs are reduced.
Claims (11)
1. A blockchain-based supply chain financial prepayment type financing model management platform, comprising the steps of:
s1: establishing an intelligent contract of a purchasing project by each party of a financial institution, a core enterprise, a downstream enterprise and a storage supervisor, adopting a block chain bottom layer architecture, and commonly maintaining the same account book by each node, wherein the core enterprise is associated with one downstream enterprise, each downstream enterprise is associated with at least one lower-level supplier, the downstream enterprises carry out financing according to the intelligent contract, and the intelligent contract is at least provided with a triggering condition of the core enterprise and the downstream enterprise paying and the time of the downstream enterprises for financing; and constructing a data system, and accessing each main body on a supply chain to a platform to share data.
S2, an identity authenticator is a group of nodes with different block chain platform nodes, a plurality of nodes in the node group operate simultaneously and are used for creating and managing digital IDs on a block chain, the digital IDs are stored on the identity chain and are used for uniquely identifying identity authentications of two parties in block chain system transaction, each body on the block chain inputs corresponding identity information for authentication, and the identity authentication, the information authentication authenticity and the like are carried out through a verification information terminal so as to ensure that the data sources are credible.
S3, recording related information of each subject operation process on the supply chain, storing the related information on the activity recording chain, wherein the related information comprises financial transaction records, repayment times, spending times and repayment time, and recording whether the repayment time is on time or not, and the related information is used for the transaction between each subject and a financial institution as a data reference; through deep research, three-dimensional supervision and panoramic prediction, and simultaneously combining with industry and industry chain characteristics, mechanisms such as monitoring, early warning, evaluation and the like of financial credit risks of a supply chain are perfected, risks are analyzed and judged, enterprise operation conditions, financial conditions and corporate treatment conditions on the chain are deeply researched, relevant enterprises, financing repayment sources, mortgage guarantee conditions and special mortgage rate and guarantee setting of agricultural and sideline products are concerned, and financing amount is accurately measured and calculated; after negotiating with the core enterprise, the downstream enterprise uploads the transaction condition to the intelligent contract, contracts according to the intelligent contract, negotiates the financing applied by the downstream enterprise, and is specially used for paying the purchase money.
S4, the downstream enterprises apply for the consignment mortgage loans to the banks according to the intelligent contracts.
5.S5: and the core enterprise signs a purchase back and quality assurance protocol with the bank.
S6: to prevent the generation of false transactions, a financial institution generally needs to introduce a professional third party logistics organization to monitor the cargo transactions of a core enterprise and a downstream enterprise, so as to inhibit the risk caused by collusion of the core enterprise and the downstream enterprise to a financial system, and a bank entrusts a monitoring warehouse to check and accept and monitor the cargo in the agreement; the bank can master the real situation of logistics in the supply chain in real time to reduce the credit risk, the supervision bin also obtains the warehousing service of the client, the supervision is accessed as a connection point, and the corresponding data viewing authority is possessed, so that the effective supervision on the transaction is realized.
S7: the core enterprise delivers the information to the supervision warehouse according to the prepared treaty on the intelligent contract.
S8: the supervision warehouse transmits supervision information to the bank in real time, periodically detects the paying triggering condition of the core enterprise or each downstream enterprise, increases the AI snapshot technology, periodically snapshots the irregular behavior of the enterprise (such as the behavior of the loss of goods caused by human factors), automatically generates the rectifying task under the non-compliance condition, and confirms information of the bank, and if the information is wrong, the rectifying task is uploaded after the rectifying task is finished.
S9: when the bank confirms that the information is correct, the transaction is normally carried out, and the bank gives the full money of the purchase to the core enterprise.
S10: the downstream enterprises pay partial goods to the banks, and can extract goods from the appointed warehouse in batches without paying all the goods at one time and pay loans of the financial institutions in batches with future sales income.
S11: the bank notifies the supervision bin to issue part of goods to downstream enterprises, and the operation can be circulated until the goods are taken out.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202311481116.7A CN117391688A (en) | 2023-11-08 | 2023-11-08 | Supply chain finance prepayment type financing mode management platform based on blockchain |
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| CN202311481116.7A CN117391688A (en) | 2023-11-08 | 2023-11-08 | Supply chain finance prepayment type financing mode management platform based on blockchain |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117933849A (en) * | 2024-03-21 | 2024-04-26 | 山东商业职业技术学院 | Logistics supply chain intelligent contract management system based on block chain technology |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117933849A (en) * | 2024-03-21 | 2024-04-26 | 山东商业职业技术学院 | Logistics supply chain intelligent contract management system based on block chain technology |
| CN117933849B (en) * | 2024-03-21 | 2024-06-11 | 山东商业职业技术学院 | Logistics supply chain intelligent contract management system based on block chain technology |
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