WO2019019070A1 - 基于区块链的担保授信融资方案 - Google Patents

基于区块链的担保授信融资方案 Download PDF

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Publication number
WO2019019070A1
WO2019019070A1 PCT/CN2017/094591 CN2017094591W WO2019019070A1 WO 2019019070 A1 WO2019019070 A1 WO 2019019070A1 CN 2017094591 W CN2017094591 W CN 2017094591W WO 2019019070 A1 WO2019019070 A1 WO 2019019070A1
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financing
credit
fund
currency
party
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PCT/CN2017/094591
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English (en)
French (fr)
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吴思进
王志文
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杭州复杂美科技有限公司
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Priority to PCT/CN2017/094591 priority Critical patent/WO2019019070A1/zh
Publication of WO2019019070A1 publication Critical patent/WO2019019070A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

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  • the invention relates to the field of blockchain technology.
  • the current credit financing guarantee business requires the capital demand side, the credit financing guarantee party, and the capital demand side to sign the contract together to determine the credit guarantee guarantee amount.
  • the three parties need to separately record the historical loan record and the remaining amount.
  • the tripartite check is not Convenience, efficiency and low cost, so it is necessary to upgrade the replacement with a new recording method that is technically untamed.
  • the present invention provides a secured credit financing scheme based on blockchain technology to solve the problem of integrity and authenticity in the information record keeping and updating of secured credit financing.
  • the technical solution adopted by the present invention is: the following specific steps for guaranteeing credit financing,
  • step S1 the capital demand side proposes the financing quota application and writes into the blockchain
  • step S2 the credit financing enterprise will agree to write the blockchain to the maximum amount of the guarantee of the fund demander
  • step S3 the fund supply party finally determines the credit financing amount of the capital demand side, and issues the corresponding credit financing amount (hereinafter referred to as financing currency) to the capital demand side as the maximum amount of credit financing;
  • step S4 the capital demanding party sends the financing currency to the public key address of the fund supplier, and the fund supplier sends the digital currency or the RMB into the corresponding account of the capital demanding party, and forms a record on the blockchain, and the capital demanding party uses up the financing currency. There is no way to get more financing;
  • step S5 after the fund demanding party returns the funds, the fund supplier will return the corresponding financing currency representing the principal part to the fund demanding party.
  • the fund provider or the credit financing guarantee party may agree to recover or reduce the supply of funds under certain conditions.
  • the financing currency of the party may also be increased by the credit guarantee guarantor and the fund supplier to increase the financing currency of the capital demand side.
  • the fund provider will assess the maximum guarantee amount of the credit financing guarantee party to ensure that the total amount of financing coins obtained by each fund demander is not greater than the maximum guarantee amount of the credit financing guarantee party.
  • the validity period of the financing currency may be agreed upon, or the validity period may be automatically extended after a certain period of time, unless either party proposes to terminate the credit financing contract.
  • the beneficial effects of the present invention are that all financing information recorded in the blockchain, including the total credit financing amount, the current financing information, the historical borrowing record, and the remaining financing amount are all recorded in the blockchain.
  • the consensus server as the secured credit enterprise, the capital demander and the fund provider, the financing data of the corresponding financing party can be monitored in real time, and the authenticity and integrity of the financing data are ensured.
  • Figure 1 is an explanatory diagram of a blockchain-based secured credit financing scheme.
  • Embodiment 1 with reference to FIG. 1, this example further illustrates a blockchain-based secured credit financing scheme.
  • the steps for secured credit financing are as follows:
  • step S1 the capital demand side proposes the financing quota application and writes into the blockchain
  • step S2 the credit financing enterprise will agree to write the blockchain to the maximum amount of the guarantee of the fund demander
  • step S3 the fund provider finally determines the credit financing amount of the capital demander, and issues the corresponding credit financing amount (hereinafter referred to as financing currency) to the capital demander as the maximum amount of credit financing. ;
  • step S4 the capital demanding party sends the financing currency to the public key address of the fund supplier, and the fund supplier sends the digital currency or the RMB into the corresponding account of the capital demanding party, and forms a record on the blockchain, and the capital demanding party uses up the financing currency. There is no way to get more financing;
  • step S5 after the fund demanding party returns the funds, the fund supplier will return the corresponding financing currency representing the principal part to the fund demanding party.
  • the fund supplier or the credit financing guarantee party may agree to recover or reduce the financing currency of the fund supplier under certain conditions, or increase the financing currency of the capital demand side after the credit financing sponsor and the fund supplier agree.
  • the fund provider will assess the maximum guarantee amount of the credit financing guarantee party to ensure that the total amount of financing coins obtained by each fund demander is not greater than the maximum guarantee amount of the credit financing guarantee party.
  • the validity period of the financing currency may be agreed upon, or the validity period may be automatically extended after a certain period of time, unless either party proposes to terminate the credit financing contract.
  • the invention records all credit limit contracts, historical loan records and remaining credit lines on the blockchain, and uses the distributed encryption record of the blockchain technology and the irreversible modification to verify the secured credit lines of the participating parties in real time. Improve the efficiency of guarantee credit and reduce costs.

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Abstract

一种基于区块链技术的担保授信融资方案，在现有的担保授信融资方案的基础上加入区块链技术，将授信额度合同、历史借贷记录、剩余授信额度等全部记录在区块链上，借助区块链技术的分布式加密记录及不可篡改性，实时同步校验参与各方的担保授信额度，提高效率，降低成本。

Description

基于区块链的担保授信融资方案 技术领域
发明涉及区块链技术领域。
背景技术
目前的授信融资担保业务，需要资金需求方、授信融资担保方、资金需求方共同签约，确定授信融资担保额度，执行业务过程中，三方需要分别记录历史借贷记录，以及剩余额度，三方核对并不方便，效率低成本高，因此需要用多方认可的技术上不可篡改的新的记录方法来升级替代。
技术问题
为了克服上述现有技术的不足，本发明提供了一种基于区块链技术的担保授信融资方案，以解决在担保授信融资的信息记录保存和更新工作上存在的完整性和真实性问题。
问题的解决方案
技术解决方案
本发明所采用的技术方案是：担保授信融资的以下具体步骤，
步骤S1，资金需求方提出融资额度申请，写入区块链；
步骤S2，授信融资企业将同意对资金需求方担保的最大额度，写入区块链；
步骤S3，资金供给方最终确定资金需求方的授信融资额度，并发行相应授信融资额度的币(这里称为融资币)支付给资金需求方作为授信融资的最大额度；
步骤S4，资金需求方将融资币发送给资金供给方公钥地址，资金供给方即将数字货币或人民币打入资金需求方相应账户，并在区块链上形成记录，资金需求方融资币用完就无法获得更多融资；
步骤S5，资金需求方归还资金后，资金供给方会将相应的代表本金部分的融资币再打还给资金需求方。
资金供给方或授信融资担保方可以约定在一定条件下，收回或减少资金供给 方的融资币，也可以经由授信融资担保方和资金供给方同意后再增加资金需求方的融资币。
仅企业本身可使用其关联的融资币，不可转让给其他企业融资；
资金供给方会评估授信融资担保方的最大担保额度，确保各家资金需求方获得的融资币的总额不大于授信融资担保方的最大担保额度。
可以约定融资币的有效期，也可以约定一定时间后自动延续有效期，除非其中任一方提出终止授信融资合同。
发明的有益效果
有益效果
与现有技术相比，本发明的有益效果是所有记录在区块链上的融资信息，包括总授信融资额度、当前融资信息、历史借贷记录、剩余融资额度都完整的记录在区块链各共识服务器上，作为担保授信企业、资金需求方和资金供给方都可以实时监控相应融资方的融资数据，并且确保这些融资数据的真实性和完整性。
对附图的简要说明
附图说明
图1为基于区块链的担保授信融资方案的说明图。
实施该发明的最佳实施例
本发明的最佳实施方式
实施例1，参照附图1，本例对基于区块链的担保授信融资方案进一步说明。
发明实施例
本发明的实施方式
担保授信融资的步骤如下：
步骤S1，资金需求方提出融资额度申请，写入区块链；
步骤S2，授信融资企业将同意对资金需求方担保的最大额度，写入区块链；
步骤S3，资金供给方最终确定资金需求方的授信融资额度，并发行相应授信融资额度的币(这里称为融资币)支付给资金需求方作为授信融资的最大额度 ；
步骤S4，资金需求方将融资币发送给资金供给方公钥地址，资金供给方即将数字货币或人民币打入资金需求方相应账户，并在区块链上形成记录，资金需求方融资币用完就无法获得更多融资；
步骤S5，资金需求方归还资金后，资金供给方会将相应的代表本金部分的融资币再打还给资金需求方。
资金供给方或授信融资担保方可以约定在一定条件下，收回或减少资金供给方的融资币，也可以经由授信融资担保方和资金供给方同意后再增加资金需求方的融资币。
仅企业本身可使用其关联的融资币，不可转让给其他企业融资；
资金供给方会评估授信融资担保方的最大担保额度，确保各家资金需求方获得的融资币的总额不大于授信融资担保方的最大担保额度。
可以约定融资币的有效期，也可以约定一定时间后自动延续有效期，除非其中任一方提出终止授信融资合同。
工业实用性
本发明将授信额度合同、历史借贷记录、剩余授信额度等全部记录在区块链上，借助区块链技术的分布式加密记录及不可篡改性，实时同步校验参与各方的担保授信额度，提高担保授信效率，降低成本。

Claims (5)

  1. 基于区块链的担保授信融资方案，其特征在于，担保授信融资的步骤如下：
    步骤S1，资金需求方提出融资额度申请，写入区块链；
    步骤S2，授信融资企业将同意对资金需求方担保的最大额度，写入区块链；
    步骤S3，资金供给方最终确定资金需求方的授信融资额度，并发行相应授信融资额度的币(这里称为融资币)支付给资金需求方作为授信融资的最大额度；
    步骤S4，资金需求方将融资币发送给资金供给方公钥地址，资金供给方即将数字货币或人民币打入资金需求方相应账户，并在区块链上形成记录，资金需求方融资币用完就无法获得更多融资；
    步骤S5，资金需求方归还资金后，资金供给方会将相应的代表本金部分的融资币再打还给资金需求方。
  2. 根据权利要求1所述的基于区块链的担保授信融资方案，其特征在于，资金供给方或授信融资担保方可以约定在一定条件下，收回或减少资金供给方的融资币，也可以经由授信融资担保方和资金供给方同意后再增加资金需求方的融资币。
  3. 根据权利要求1所述的基于区块链的担保授信融资方案，其特征在于，仅企业本身可使用其关联的融资币，不可转让给其他企业融资。
  4. 根据权利要求1所述的基于区块链的担保授信融资方案，其特征在于，资金供给方会评估授信融资担保方的最大担保额度，确保各家资金需求方获得的融资币的总额不大于授信融资担保方的最大担保额度。
  5. 根据权利要求1所述的基于区块链的担保授信融资方案，其特征在于，可以约定融资币的有效期，也可以约定一定时间后自动延续 有效期，除非其中任一方提出终止授信融资合同。
PCT/CN2017/094591 2017-07-27 2017-07-27 基于区块链的担保授信融资方案 WO2019019070A1 (zh)

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