TW202121310A - Blockchain system for bank joint loans - Google Patents

Abstract

This case proposes a bank joint loan blockchain system that applies smart contracts to the joint lending case. The system includes a borrower node, a host bank node, a plurality of participating bank nodes, and a plurality of unjoined bank nodes. The host bank node includes a contract setting module, which will create a smart contract after the Lender's entrusted message is set up to link the relevant information; the organizer's resolution module is to review the smart contract through specified conditions; and the organizer blockchain module, It is linked to the contract setting module and the organizer's resolution module for the transmission of the contracted contract smart contract to the blockchain network system. A plurality of participating bank nodes includes a credit resolution module, which is to check the smart contract transmitted by the host bank node through the blockchain network system under specific conditions; and the participating bank blockchain module, It is connected with the participation resolution module, which is a smart contract-to-blockchain network system that transfers the review by the participation resolution module. And, a plurality of unjoined bank nodes, including the un-debt blockchain module, is used to receive and save the resolution result of the smart contract.

Description

Bank Joint Loan Blockchain System

The invention relates to a bank joint loan blockchain system realized by using smart contracts.

With the expansion of the scale of the company or the data required for company operations, major companies have a large amount of funds whether they are building factories and purchasing equipment, so they often need to borrow from banks for capital turnover. However, such borrowing often requires huge amounts of funds that cannot be supported by a single financial institution. In order to reduce lending risks, banks share lending risks through joint loans with multiple banks. Therefore, at this time, it will be necessary to form a bank joint loan system by a host bank and two or more financial institutions. For enterprises, the bank joint loan system can meet the needs of large financing amounts and establish relationships with multiple financial institutions. The financing structure of the joint loan case is designed specifically for the needs of the enterprise, so it is more flexible.

However, in the current bank joint loan system, the lead bank and the participating banks still use paper contracts. The signing and exchange of paper contracts between different banks often consumes a lot of time and manpower, resulting in an increase in personnel costs. And each bank has its own contract signing method and process, and different contract signing methods and processes are also prone to human error and negligence. In addition, the paper contract is managed by the host bank in a centralized manner. Once the host bank is stolen and tampered with by insiders, it will affect the privacy and security issues and lending rights between the company and the syndicated lending bank, resulting in the company and the syndicated lending bank. Risks and losses between groups. Therefore, a more convenient, safer and more efficient way to sign contracts is needed.

With the continuous advancement of blockchain technology in recent years, various financial institutions have successively introduced technical means to apply blockchain technology to financial technology to solve the various problems mentioned above. Blockchain technology is a decentralized decentralized ledger technology. Every participant (called a node) dispersed in the blockchain system jointly maintains and updates the same ledger. There is no central server to manage the ledger, and asymmetric encryption technology of public and private keys is used. Therefore, the possibility of stealing confidential information and tampering with the information can be avoided by the intentional person managing the central server. And the blockchain technology has the characteristics of anonymity. Each node uses a set of English and numbers as the name. As long as it is not disclosed to anyone, no one knows who the person behind the node is. Therefore, the blockchain technology can protect the participants. privacy.

With the emergence of Ethereum, in order to meet the needs of each transaction, the concept of Smart Contract has emerged. Smart contract is a technology implemented on the basis of the above-mentioned blockchain technology. A smart contract is a way of putting the proposed contract terms code into the blockchain platform. The smart contract will be replicated and transmitted multiple times between nodes in the blockchain platform, and distributed to each node waiting for participants to execute the contract. Once the smart contract is triggered by the participant, the smart contract can automatically execute in accordance with the terms set by its content, and automatically check the implementation of the terms. And can provide resolution and voting functions through smart contracts. Therefore, compared with paper contracts, smart contracts have the advantages of high security, high transaction efficiency, and customization. Many scholars have invested in research.

Therefore, in order to solve the above problems, this case proposes a bank joint loan blockchain system that applies smart contracts to joint loan cases. The system includes a borrower node device, a host bank node device, each participating bank node device, and each non-participating bank node device. The host bank node device includes the contract establishment module, which generates the smart contract code after setting the syndicated loan related data with the entrusted message of the joint loan case; the sponsor resolution module, which checks the smart contract code by specifying conditions; and the host bank area The block chain module, which is connected with the contract establishment module and the sponsoring resolution module, is used to transmit the reviewed contract smart contract code to the blockchain network system. The system also includes each participating bank node device, which includes a loan participation decision module, which checks the smart contract code transmitted by the aforementioned host bank node device through the blockchain network system under specific conditions; and the participating bank The blockchain module, which is connected to the loan participation decision module, is used to transmit the smart contract code reviewed by the loan participation decision module to the blockchain network system. And, each non-participating bank node device includes a non-participating bank blockchain module, which is used to receive and save the resolution result of the smart contract code.

According to an embodiment, the above-mentioned entrusted information of the syndicated loan case is related entrusted information such as the loan amount established by the borrower node device and the identity data of the borrower.

According to an embodiment, the aforementioned bank joint loan request is a final joint loan request generated after a joint loan consensus is reached between the host bank node device and the borrower node device.

According to one embodiment, the above-mentioned smart contract code is a kind of smart contract, which is a special protocol used when formulating a contract in a blockchain network system, and is mainly used to provide verification and execution of the conditions specified in the smart contract .

This case is a blockchain method of bank joint loan. First, the borrower node device transmits the joint loan commission message to the host bank node device through the blockchain network system; the host bank node device sets up the joint loan commission message through the contract to establish a module Generate loan participation contract code after setting up related data of syndicated loan, and send the loan participation contract code to the blockchain network system through the host bank’s blockchain module; multiple participating banks will review it through the loan participation resolution module Participate in the loan contract code, and send the reviewed loan participation contract code to the blockchain network system through the participating bank's blockchain module;

The host bank node device uses the host decision module to view the multiple participating bank node devices of the reviewed loan participation contract code, and through the contract establishment module, the participating multiple participating bank node devices form a joint loan group After grouping, the syndicated loan contract code is generated, and the syndicated loan contract code is sent to the blockchain network system through the host bank’s blockchain module; multiple participating bank node devices are replied with specified conditions through the loan decision module Verify the syndicated loan contract code, and send the reviewed syndicated loan contract code to the blockchain network system through the participating bank's blockchain module;

The host bank node device uses the host resolution module to view the reviewed syndicated loan contract code resolution situation and review the syndicated loan contract code. When the syndicated loan contract code resolution is finalized, the remittance contract program is set up through the contract setup module The code of the remittance contract is sent to the blockchain network system through the host bank’s blockchain module; if multiple participating bank node devices have remitted, the remittance contract code is reviewed through the loan participation resolution module. The code of the remittance contract is sent to the blockchain network system through the blockchain module of the participating bank; and the node device of the host bank checks the remittance contract code's payment status through the host resolution module.

According to one embodiment, the above-mentioned loan participation contract code is a smart contract, which is used to enable all banks in the blockchain network system to review whether to participate in the contract of the joint loan case.

According to one embodiment, the above-mentioned syndicated loan group is a group used to enable the syndicated loan contract code and the remittance contract code to be viewed and reviewed only by the host bank node device and a plurality of participating bank node devices.

According to one embodiment, the above-mentioned joint loan contract code is a smart contract, including joint credit contract code and joint loan bank contract code, where the joint credit contract code is the main agreement between the borrower node device and the joint loan group. Contracts for signing of loan-related matters; among them, the syndicated loan bank contract code is jointly signed by the banks of the syndicated loan group, including the rights and obligations relationship and resolutions between them.

According to one embodiment, the above-mentioned remittance contract code is a smart contract, which is used to automatically allocate the remittance amount and check the remittance situation of multiple participating lending banks after the customer repayments must be repaid according to the previously set loan participation ratio.

In order to make the objectives, technical solutions, and advantages of the present invention clearer, the following further describes the present invention in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, but not used to limit the present invention.

FIG. 1 is a schematic block diagram of each module of an embodiment of the present invention. The node 100 includes a blockchain module 101, a contract establishment module 103, a sponsoring decision module 105, and a loan participation decision module 107. The node 100 is a terminal device that transmits data in a physical layer network system, and can transmit, receive, or forward messages through a communication channel, and may be a computer, a server, or a router. The block chain module 101 is a block chain platform constructed based on block chain technology, which can automatically copy and transmit the data uploaded to the block chain platform multiple times to the block chain modules of other scattered nodes 100 Group 101, which is jointly maintained and updated by all nodes 100, has the characteristics of decentralization, non-tampering, and anonymity.

FIG. 1 is a schematic block diagram of each module of an embodiment of the present invention. The contract establishment module 103 is a module for establishing smart contracts, which can set relevant trigger conditions and smart contract content according to requirements, and provide smart contracts with resolution and voting functions. The contract establishment module 103 is connected to the blockchain module 101 to generate a smart contract after setting the joint loan related data, and upload it to the blockchain module 101.

FIG. 1 is a schematic block diagram of each module of an embodiment of the present invention. The host resolution module 105 is a module used by the host bank to view and review the smart contract on the blockchain platform, and the host bank is the bank entrusted by the borrower to handle the joint loan case. The host decision module 105 is connected to the blockchain module 101 to view and review the smart contract on the blockchain module 101.

FIG. 1 is a schematic block diagram of each module of an embodiment of the present invention. The loan participation resolution module 107 is a module used by participating banks to view and review the smart contract on the blockchain platform. The participating banks are banks that participate in the sponsoring bank's initiative to initiate a joint loan case. The loan participation decision module 107 is connected to the blockchain module 101 to view and review the smart contract sent by the host bank on the blockchain module 101.

Figure 2 is a schematic block diagram of each node device according to an embodiment of the present invention. The blockchain network system 200 includes a syndicated loan group 201 and a plurality of non-participating bank node devices 230. The blockchain network system 200 is a network system constructed by blockchain technology. The network system includes terminals, such as computers, servers, and routers, through optical fibers, wireless networks, and Bluetooth, etc. The transmission line is connected to the blockchain module 101 in each terminal to transmit the smart contract network system.

Figure 2 is a schematic block diagram of each node device according to an embodiment of the present invention. The syndicated loan group 201 includes a sponsor bank node device 210 and a plurality of participating bank node devices 220. The joint loan group 201 is a group in which only the host bank node device 210 and a plurality of participating bank node devices 220 can see and review the smart contract of the joint loan case, so as to avoid multiple non-participating bank node devices 230 View and modify the content of the smart contract to make the content of the smart contract more secure and confidential. The host bank node device 210 is a terminal device of the host bank, which may be a computer for the host bank to establish and review smart contracts, and the host bank is the bank that the borrower entrusts to handle the joint loan case. The plurality of lending bank node devices 220 are terminal devices of each lending bank, which may be a computer, for allowing each lending bank to review the smart contract, and each participating bank is a joint loan initiated by the participating lead bank. case.

FIG. 3 is a schematic block diagram of each node device and each module according to an embodiment of the present invention. The blockchain network system 200 includes a borrower node device 300, a host bank node device 210, a plurality of participating bank node devices 220, and a plurality of non-participating bank node devices 230. Wherein the borrower node device 300 is connected to the host bank node device 210, and is used to transmit a joint loan case entrust message to the host bank. The host bank node 210 fulfills the bank joint loan request. The joint loan case entrust message is a kind of information including loan amount and Related entrusted information such as the identity data of the borrower, the bank joint loan request is the final joint loan request generated after the host bank node device 210 and the borrower node device 300 reach a consensus on the joint loan case.

FIG. 3 is a schematic block diagram of each node device and each module according to an embodiment of the present invention. The host bank node device 210 includes the host bank blockchain module 301, the contract establishment module 103, and the host resolution module 105. The contract establishment module 103 and the host resolution module 105 are connected to the host bank blockchain module 301. . The host bank blockchain module 301 is a module constructed based on blockchain technology, which can automatically upload the data uploaded to the host bank blockchain module 301 among the nodes of the blockchain network system 200. Copy and send multiple times. The contract establishment module 103 is a module for establishing a smart contract, and uploads the smart contract to the host bank's blockchain module 301. The host resolution module 105 is a module used by the host bank to view and review the smart contract on the host bank's blockchain module 301, and the host bank is a bank entrusted by the borrower to handle the joint loan case.

FIG. 3 is a schematic block diagram of each node device and each module according to an embodiment of the present invention. The plural lending bank node devices 220 include a lending bank blockchain module 302 and a lending decision module 107, wherein the lending decision module 107 is connected to the lending bank blockchain module 302. The participating bank blockchain module 302 is a module constructed based on blockchain technology, which can upload the data uploaded to the participating bank blockchain module 302 in each node of the blockchain network system 200 Automatically copy and transfer multiple times between. The loan participation resolution module 107 is a module used by the participating bank to view and review the smart agreement on the participating bank’s blockchain module 302. The participating bank actively initiates a joint loan by the participating bank. The bank of the case.

FIG. 3 is a schematic block diagram of each node device and each module according to an embodiment of the present invention. The plurality of non-participating bank node devices 230 include the non-participating bank blockchain module 303. The non-participating bank blockchain module 303 is a module constructed based on blockchain technology, which can automatically copy and transmit data such as smart contracts among the nodes of the blockchain network system 200 multiple times.

Figure 4 is a schematic block diagram of each smart contract according to an embodiment of the present invention. The smart contract transmitted in the blockchain network system 200 includes a loan participation contract code 410, a joint loan contract code 420, and a remittance contract code 430. The loan participation contract code 410 is a smart contract used to enable all banks on the node of the blockchain network system 200 to check whether to participate in the smart contract of the joint loan case.

Figure 4 is a schematic block diagram of each smart contract according to an embodiment of the present invention. The joint loan contract code 420 and the remittance contract code 430 are smart contracts that only the joint loan group 201 can view and review. The syndicated loan group 201 includes a host bank node device 210 and a plurality of participating bank node devices 220. The remittance contract code 430 is a smart contract used to automatically allocate the remittance amount and check the remittance status.

Figure 4 is a schematic block diagram of each smart contract according to an embodiment of the present invention. The joint loan contract code 420 includes a joint credit contract code 421 and a joint loan bank contract code 423, and the above are all a kind of smart contract. The joint credit contract code 421 is a contract between the borrower node device 300 and the joint loan group 201 to mainly agree on joint loan-related matters, and set the loan participation ratio of the client's repayment to a plurality of participating lending banks; among them, the joint loan bank The contract code 423 is jointly signed by the banks of the syndicated loan group 201, and includes the rights and obligations relationship and resolutions between them.

Fig. 5 shows a method flow chart of the bank syndicated loan blockchain method based on smart contract according to an embodiment of the present invention. It is applied in an environment of a blockchain network system 200 with a host bank node device 210, a plurality of participating bank node devices 220, a plurality of non-participating bank node devices 230, and a borrower node device 240. Wherein step 510 is that the borrower node device 300 transmits the syndicated loan entrustment message to the host bank node device 210 through the blockchain network system 200 to handle the syndicated loan to fulfill the bank's syndicated loan request. The syndicated loan entrusted message is a kind of Relevant entrusted information such as loan amount and borrower's identity data. The bank joint loan request is the final joint loan request generated after the host bank node device 210 and the borrower node device 300 reach a consensus on the joint loan case.

Fig. 5 shows a method flow chart of the bank syndicated loan blockchain method based on smart contract according to an embodiment of the present invention. In step 520, the host bank node device 210 generates the loan participation contract code 410 after establishing the syndicated loan related data through the contract establishment module 103, and sends the loan participation contract code 410 through the host bank block The chain module 301 is transmitted to the blockchain network system 200. The loan participation contract code 410 is a smart contract used to enable all banks on the node of the blockchain network system 200 to check whether to participate in the smart contract of the joint loan case.

Fig. 5 shows a method flow chart of the bank syndicated loan blockchain method based on smart contract according to an embodiment of the present invention. In step 530, a plurality of loan participating bank node devices 220 review the loan participation contract code 410 through the loan participation decision module 107, and pass the verified loan participation contract code 410 through the participating bank blockchain module 302 Send to the blockchain network system 200.

Fig. 5 shows a method flow chart of the bank syndicated loan blockchain method based on smart contract according to an embodiment of the present invention. In step 540, the sponsor bank node device 210 checks the verified loan participation contract code 410 through the sponsor decision module 105 to participate in the multiple participating bank node devices 220, and through the contract establishment module 103, will participate in the plural participating bank node devices 220 The participating bank node device 220 forms a joint loan group 201. The syndicated loan group 201 is a group in which only the host bank node device 210 and a plurality of participating loan bank node devices 220 can see and review the syndicated loan contract code 420 and the remittance contract code 430.

Fig. 5 shows a method flow chart of the bank syndicated loan blockchain method based on smart contract according to an embodiment of the present invention. In step 550, the syndicated loan contract code 420 is generated through the contract establishment module 103, and the syndicated loan contract code 420 is transmitted to the blockchain network system 200 through the host bank's blockchain module 301, wherein the syndicated loan contract program The code 420 includes the joint credit contract code 421 and the joint loan bank contract code 423, and the above are all a kind of smart contract. The joint credit contract code 421 is the contract signed by the borrower node device 300 and the joint loan group 201 to mainly agree on joint loan related matters; the joint loan bank contract code 423 is the joint loan group 201 jointly signed by the banks, including The relationship between rights and obligations and resolutions.

Fig. 5 shows a method flow chart of the bank syndicated loan blockchain method based on smart contract according to an embodiment of the present invention. In step 560, a plurality of loan participating bank node devices 220 use the loan participation decision module 107 to review the syndicated loan contract code 420 with specified conditions, and pass the verified syndicated loan contract code 420 through the participating bank blockchain The module 302 is transmitted to the blockchain network system 200. The specified conditions include the loan participation ratio and loan participation fee ratio of each bank.

Fig. 5 shows a method flow chart of the bank syndicated loan blockchain method based on smart contract according to an embodiment of the present invention. In step 570, the sponsor bank node device 210 checks the reviewed syndicated loan contract code 420 resolution situation through the sponsored resolution module 105 and reviews the syndicated loan contract code 420. When the joint loan contract code 420 is resolved, the remittance contract code 430 is established through the contract establishment module 103, and the remittance contract code 430 is sent to the blockchain network system 200 through the host bank’s blockchain module 301 . The remittance contract code 430 is a smart contract used to automatically allocate the remittance amount and check the remittance status.

Fig. 5 shows a method flow chart of the bank syndicated loan blockchain method based on smart contract according to an embodiment of the present invention. In step 580, if a plurality of lending bank node devices 220 have remitted the money, the remittance contract code 430 is reviewed through the lending decision module 107, and the remittance contract code 430 is sent through the lending bank blockchain module 302 It is sent to the blockchain network system 200, and the host bank node device 210 confirms the remittance status by viewing the remittance contract code 430 through the sponsor resolution module 105.

In summary, the present invention proposes a bank joint loan blockchain system. It is the use of smart contract technology to replace the original paper contract as a contract for verification of transactions between joint lending banks. Smart contracts are anonymous and are distributed among nodes with distributed ledger technology, and asymmetric encryption technology using public and private keys protects smart contracts from being tampered with by interested parties. Therefore, they are more than paper contracts. It is safe. And the smart contract in this case is to put the proposed contract terms code into the blockchain network system. The smart contract will automatically be copied and transmitted multiple times between nodes in the blockchain network system, and distributed in each Nodes wait for participants to review and automatically execute the content of the contract, so it is more efficient than paper contracts that must be continuously exchanged between banks. And smart contracts can formulate different contract content according to the needs of the borrower, so it is easier to achieve the purpose of customization than a standardized paper contract. In summary, the smart contract used in this case has the advantages of high security, high transaction efficiency, customizable and reviewable mechanism compared with the paper contract in the bank's joint loan blockchain system.

However, the illustrations and descriptions disclosed above are only the preferred embodiments of the present invention, and are not intended to limit the implementation of the present invention. Anyone familiar with the art will make changes based on the spirit of the present invention. Or modification, shall be covered in the scope of the following patent application in this case.

100: node 101: Blockchain module 103: Contract establishment module 105: Host Resolution Module 107: Loan Participation Decision Module 200: Blockchain network system 201: Joint Loan Group 210: Host node device 220: Multiple participating bank node devices 230: Multiple node devices not participating in the loan bank 300: Borrower node device 301: Host Bank Blockchain Module 302: Participating Bank Blockchain Module 303: Blockchain module of non-participating bank 410: Participation Contract Code 420: Joint loan contract code 421: Joint Credit Agreement Code 423: Syndicated loan bank contract code 430: Remittance contract code 510, 520, 530, 540, 550, 560, 570, 580: steps

FIG. 1 is a schematic block diagram of each module of an embodiment of the present invention.

Figure 2 is a schematic block diagram of each node device according to an embodiment of the present invention.

FIG. 3 is a schematic block diagram of each node device and each module according to an embodiment of the present invention.

Figure 4 is a schematic block diagram of each smart contract according to an embodiment of the present invention.

Fig. 5 shows a method flow chart of the bank syndicated loan blockchain method based on smart contract according to an embodiment of the present invention.

103: Contract establishment module

105: Host Resolution Module

107: Loan Participation Decision Module

200: Blockchain network system

210: Host node device

220: Multiple participating bank node devices

230: Multiple node devices not participating in the loan bank

300: Borrower node device

301: Host Bank Blockchain Module

302: Participating Bank Blockchain Module

303: Blockchain module of non-participating bank

Claims (9)

A bank joint loan blockchain system provides a borrower node device that transmits a joint loan entrustment message to a host bank node device through a blockchain network system to achieve a bank joint loan request. The host bank node device include: A contract establishment module, which generates a smart contract code after setting the syndicated loan related data with the entrusted message of the syndicated loan case; A host resolution module is to review the smart contract code by specifying conditions, where the smart contract code will automatically generate a resolution result and stop the resolution when a resolution is finalized; and A host bank blockchain module, which is connected to the contract establishment module and the host resolution module, and is used to transmit the reviewed smart contract code of the contract to the blockchain network system; the bank cooperates The loan blockchain system also includes: A plurality of participating loan bank node devices, which include: A loan participation decision module, which checks the smart contract code transmitted by the aforementioned host bank node device through the blockchain network system under specific conditions; and A participating lender's blockchain module, which is connected to the lending decision module, and is used to transmit the smart contract code reviewed by the lending decision module to the blockchain network system; and, A plurality of non-participating bank node devices, including: A non-participating bank blockchain module is used to receive and save the decision result of the smart contract code. For example, the bank joint loan blockchain system described in item 1 of the scope of patent application, wherein the joint loan commission information is the loan amount established by the borrower node device and the borrower's identity information and other relevant commission information. For example, the bank joint loan blockchain system described in item 1 of the scope of patent application, wherein the bank joint loan request is the final joint loan request generated after a joint loan consensus is reached between the host bank node device and the borrower node device . For example, the bank’s joint loan blockchain system described in item 1 of the scope of patent application, wherein the smart contract code is a smart contract, which is a special agreement used when formulating a contract in the blockchain network system, mainly Used to provide verification and execution of the conditions stipulated in the smart contract. A blockchain method for bank joint loans, including: A borrower node device transmits a joint loan entrustment message to a host bank node device through a blockchain network system; The host bank node device generates a loan participation contract code after setting up the joint loan related data through a contract establishment module to entrust information about the syndicated loan case, and transmits the loan participation contract code through a host bank blockchain module To the blockchain network system; The plurality of participating banks review the loan participation contract code through a loan participation resolution module, and send the reviewed loan participation contract code to the blockchain through a participating bank blockchain module Network system The host bank node device checks the verified loan participation contract code through the host decision module to participate in the multiple participating bank node devices, and through the contract establishment module to participate in the multiple participating banks Node devices form a syndicated loan group to generate a syndicated loan contract code, and transmit the syndicated loan contract code to the blockchain network system through the host bank's blockchain module; The plurality of loan participation bank node devices review the syndicated loan contract code under specified conditions through the loan participation resolution module, and send the verified syndicated loan contract code through the participant bank blockchain module To the blockchain network system; The host bank node device uses the host resolution module to view the reviewed co-loan contract code resolution situation and review the co-loan contract code. When the co-loan contract code resolution is finalized, it is established through the contract The module sets up a remittance contract code, and sends the remittance contract code to the blockchain network system through the host bank’s blockchain module; If the multiple participating bank node devices have remitted, the remittance contract code is reviewed through the loan participation decision module, and the remittance contract code is sent to the block through the participating bank blockchain module Chain network system; and The host bank node device checks the remittance status of the remittance contract code through the host resolution module. For example, the bank joint loan blockchain method described in item 5 of the scope of patent application, wherein the loan participation contract code is a smart contract used to enable all banks in the blockchain network system to review whether to participate in the joint loan The contract of the case. For example, the bank joint loan blockchain method described in item 5 of the scope of patent application, wherein the joint loan group is used to make the joint loan contract code and the remittance contract code only the host bank node device and the plural Groups that can only be viewed and reviewed by participating bank node devices. For example, the bank joint loan blockchain method described in item 5 of the scope of patent application, wherein the joint loan contract code is a smart contract, including a joint credit contract code and a joint loan bank contract code, wherein the joint credit The contract code is a signed contract between the borrower node device and the syndicated loan group to mainly agree on syndicated loan related matters; wherein the syndicated loan bank contract code is signed by the banks of the syndicated loan group, including the rights between them Obligation relationship and resolution. For example, the bank joint loan blockchain method described in item 5 of the scope of patent application, in which the remittance contract code is a smart contract, which is used to automatically allocate the remittance amount and check the customer's repayment according to the previously set loan participation ratio Repayment status of the remittance of multiple participating lending banks.

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