CN110322130A - Based on the current assets mortgage finance management system and method for block chain in supply chain industry - Google Patents
Based on the current assets mortgage finance management system and method for block chain in supply chain industry Download PDFInfo
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Abstract
The invention discloses in supply chain industry based on the current assets mortgage finance management system and method for block chain, devise the protocol layer of the current assets mortgage financing business system all standing based on block chain, data Layer, functional layer, operation layer, the practical Byzantine failure tolerance node common recognition mechanism that protocol layer based on block chain uses, data distribution formula deposits characteristics of syndrome, information transparency feature, distributed O&M feature etc. be more convenient for big data structured analysis processing, realize that accurately enterprise draws a portrait relatively, realize real-time data synchronization and data safety, consequently facilitating unified operational decision making Optimum and air control, convenience also is provided for penetration supervision simultaneously.System and method, which can be realized, is completely covered the links such as the dynamic evaluation of current assets mortgage Item Value, collateral security release, credit link and examination, the control of financing main body credit risk, penetration supervision, avoid the problem that be easy to causeing cause warehouse receipt to repeat to pledge, false current assets mortgage phenomenon is serious, financial institution's credit security evaluation poor quality.
Description
Technical field
The invention belongs to block chain applied technical fields, and in particular to the current assets mortgage based on block chain in supply chain industry melts
Provide management system and method.
Background technique
Current assets mortgage financing is the main business type of supply chain financial field, belongs to logistic storage enterprise movables mortgage industry
Business, is the warehouse logistics enterprise for possessing certain inventory value, under the premise of core enterprise's guarantee, using current assets mortgage to bank
The behavior that equal financial institutions finance.Warehouse receipt itself represents drawn right.Wherein core enterprise's (usually tripartite's logistics company)
It undertakes due to being pledged warehouse receipt value variation, pledged phenomena such as inventory value variation or goods damage and one's own side's fund is caused to be damaged
Risk.In modern steel supply chain, for the Financing difficulty for solving the problems, such as large-scale steel warehouse logistics enterprise downstream,
Steel storage enterprise helps medium-sized and small enterprises to be financed as the mode that current assets mortgage can be used in core enterprise, and undertakes this industry
Main risk in business system.Current supply chain financial 4.0 epoch propose the requirement of effect drop originally increasingly with to warehouse logistics
Consequence caused by the drawbacks of height, traditional steel current assets mortgage is financed is causing the great attention of industry.These pain spots include by
Warehouse receipt repetition is not enough caused to pledge in the level of informatization, false current assets mortgage phenomenon is serious, financial institution's credit security evaluation matter
Amount lowly causes financial institution's bad credit rate height enterprise relevant to warehouse receipt financing, the reduction of penetration supervision function etc..The supply in China
Lag is compared in the whole business development of chain finance, and experience is insufficient, but effective control and guidance to current assets mortgage financing business, favorably
In medium-sized and small enterprises long term growth.
Block chain is using internet as basic facility, combining cipher, P2P network, algorithm science and technology, data structure, meter
The a set of cleverly systems and design that the technologies such as calculation machine high-level language assemble jointly, learn from other's strong points to offset one's weaknesses and are born, " narrow skill
Art, wide application " characteristic has obtained the abundant affirmation of scholar, think tank, government organs, scientific research institutions.For current assets mortgage financing industry
In business system, in the dynamic evaluation of current assets mortgage Item Value, collateral security release, credit link and examination, financing main body credit wind
The links such as danger control, penetration supervision, the pain spot being completely covered is difficult to using prior art means, especially in electronics warehouse receipt
Under the premise of trend, these pain spots seem more prominent, and the platform scheme based on block chain is able to solve goods power ownership
Problem realizes credible fund allotment, credit risk control, eliminates the targets such as false current assets mortgage.
Summary of the invention
It is an object of the invention to: current assets mortgage financing management is due to existing management system in the current storage supply chain of solution
The level of informatization it is inadequate, it is difficult to be completely covered the dynamic evaluation of current assets mortgage Item Value, collateral security release, credit link and examine
It looks into, the control of main body of financing credit risk, the links such as penetration supervision, and be easy to cause and warehouse receipt is caused to repeat to pledge, false warehouse receipt
The problem of pledging phenomenon serious, financial institution's credit security evaluation poor quality proposes and is based in a kind of storage supply chain industry
The current assets mortgage finance management system of block chain.
The technical solution adopted by the invention is as follows:
Based on the current assets mortgage finance management system of block chain in supply chain industry, including protocol layer Down-Up, data
Layer, functional layer and operation layer, the protocol layer are based on block chain underlying platform, and
In protocol layer: the node of all participants is divided into host node and from node in organizational form；Algorithm know together using real
With Byzantine failure tolerance node common recognition mechanism；Using completing a business transaction to the business of links, design is a pair of to answer intelligence to intelligent Contract Design
Design by Contract Pattern；Business interface is provided, business operation side corresponding to each functional areas of intelligent bond service is passed through；Across chain service is adopted
With across the chain form based on interaction technique；
In data Layer: system component include responsible investigation data reporting it is original deposit card, financing agreement electronics deposits card, intelligence
Contract sample data deposits card, deposits card, enterprise identity and account by the real-time item dynamic data that sensor and Internet of Things equipment obtain
The financing transaction data that family status data deposits card, actually occurs on chain deposit card, warehouse receipt status data deposits card, risk analysis reports
Data, contract promise breaking data are supervised after depositing card, project supervision log, CRM log, ERP data, loan；
In functional layer: including several special links of business on each service link of corresponding current assets mortgage financing system and chain
Functional module, the business interface that each functional module passes through system directly dock business division, and on corresponding intelligent contract
One section business executes code automatically；
In operation layer: business layer assembly includes service sub-system belonging to current assets mortgage financing system.
Further, host node is the node that permission is big in current assets mortgage financing system, is current assets mortgage financing body from node
The small node of permission in system, host node number are greater than 7.
Further, the data in the data Layer are divided into full disclosure data, semi-over data and underground data, completely
Public data passes through public key acquisition for node on all chains；Semi-over data are after authorization, and node passes through public and private on chain
The verifying of key obtains；Underground data are open for the specific node of a part, and specific node is after authorization with corresponding
Private key obtains data.
Further, it includes that data mining and analysis sandbox, data visualization presentation, data are clear that the data Layer, which also provides,
It washes, the technical component of data permission layering, all components function passes through intelligent contract and realizes.
Further, the functional module in the functional layer includes identity registration and authentication module, authority management module, fulfils the duty
Maintenance module, Audit Module, financial management settlement module, overall risk control module after inquiry module, decision and loan.
Based on the current assets mortgage financing management method of block chain in supply chain industry, method is based on block chain underlying platform, side
Method is as follows:
By docking on the chain of block platform chain or under line, current assets mortgage financing business demand is received or sent, then
Enterprise carries out notice audit mechanism and carries out internal first trial to business and will audit data cochain, and audit mechanism carries out using private key pair
File decryption carries out internal first trial, and will audit data cochain；
After the completion of internal first trial, each different audit mechanism, which combines, checks financing needs, and to quasi- mortgage goods
Product carry out audit and will audit data cochain；
Transmitting bank makes loans after the completion of review and the audit of quasi- mortgage kinds of goods；
After bank loan, the fund of current assets mortgage financing is utilized into process cochain, all host node project management log chains
Upper shared, host node joint periodically audits financing needs conditions of the enterprise, reappraises, comments to fund risk in real time
Estimate result cochain.
Further, if first trial result and review result in method are problematic, financing needs enterprise passes through block platform chain
Initiate the written appeal to first trial result.
In conclusion by adopting the above-described technical solution, the beneficial effects of the present invention are:
1, in the present invention, protocol layer, the data of the current assets mortgage financing business system all standing based on block chain are devised
Layer, functional layer, operation layer pass through practical Byzantine failure tolerance node the common recognition mechanism, data distribution formula used in block platform chain
Big data structured analysis processing, realization can be more convenient for relatively by depositing characteristics of syndrome, information transparency feature, distributed O&M feature etc.
Accurately enterprise's portrait, realization real-time data synchronization and data safety, consequently facilitating unified operational decision making Optimum and wind
Control, while also convenience is provided for penetration supervision.System and method can be realized that current assets mortgage Item Value is completely covered is dynamic
The links such as state assessment, collateral security release, credit link and examination, the control of financing main body credit risk, penetration supervision, avoid holding
Easily cause cause warehouse receipt to repeat to pledge, false current assets mortgage phenomenon is serious, financial institution's credit security evaluation poor quality asks
Topic.
2, in the present invention, system operation principle is adapted to storage application scenarios different in supply chain industry, and system has
High availability, high reliability and enhanced scalability.
3, in the present invention, investigation audit is placed on emphasis by method, this plays core for the operation of the system based on block chain
Heart effect, facilitates steel medium-sized and small enterprises specification financial statement and capital structure in the long term, carries out standardization specialized management.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be understood that the following drawings illustrates only certain embodiments of the present invention, therefore is not construed as pair
The restriction of range for those of ordinary skill in the art without creative efforts, can also be according to this
A little attached drawings obtain other relevant attached drawings.
Fig. 1 is the schematic diagram of the current assets mortgage finance management system based on block chain in supply chain industry of the present invention.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that described herein, specific examples are only used to explain the present invention, not
For limiting the present invention, i.e., described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is logical
The component for the embodiment of the present invention being often described and illustrated herein in the accompanying drawings can be arranged and be designed with a variety of different configurations.
Therefore, the detailed description of the embodiment of the present invention provided in the accompanying drawings is not intended to limit below claimed
The scope of the present invention, but be merely representative of selected embodiment of the invention.Based on the embodiment of the present invention, those skilled in the art
Member's every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
It should be noted that the relational terms of term " first " and " second " or the like be used merely to an entity or
Operation is distinguished with another entity or operation, and without necessarily requiring or implying between these entities or operation, there are any
This actual relationship or sequence.Moreover, the terms "include", "comprise" or its any other variant be intended to it is non-exclusive
Property include so that include a series of elements process, method, article or equipment not only include those elements, but also
Further include other elements that are not explicitly listed, or further include for this process, method, article or equipment it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described
There is also other identical elements in the process, method, article or equipment of element.
Each participant represents node on a chain in the present invention, and still, the permission of node is because identity difference has
Very big difference, the biggish node of permission (host node) mainly include core enterprise, bank and other financial mechanism, lawyer's office,
Certified Public Accountants Firm, independent auditor, assets assessment teacher, business supervision department, institutional investor, platform technology O&M provider
Equal nodes mention host node and all refer to above-mentioned node to descend to the mortal world；The lesser node of permission (from node) mainly include medium and small investors,
The nodes such as medium or small sized steel company all refer to above-mentioned node from node to descend to the mortal world to mention.
Current assets mortgage finance management system based on block chain in a kind of supply chain industry, including Down-Up protocol layer,
Data Layer, functional layer and operation layer, the protocol layer are based on block chain underlying platform, and
In protocol layer: the node of all participants is divided into host node and from node in organizational form；Algorithm know together using real
With Byzantine failure tolerance node common recognition mechanism, accounting nodes are voted by the promoter of alliance's chain and are generated, and promoter is the master of alliance's chain
Node；Intelligent Contract Design use to the business of links complete a business transaction design a pair answer intelligent Design by Contract Pattern；Offer business connects
Mouthful, pass through business operation side corresponding to each functional areas of intelligent bond service；Across chain service using based on interaction technique across
Chain form；
In data Layer: system component includes all service related datas of current assets mortgage financing system, and system component includes
Have responsible investigation data reporting it is original deposit card, financing agreement electronics deposits card, intelligent contract sample data deposits card, pass through sensor and
The real-time item dynamic data that Internet of Things equipment obtains deposits card, enterprise identity and account status data and deposits card, actually occurs on chain
Financing transaction data deposit card, warehouse receipt status data deposits card, risk analysis reports deposit card, project supervision log, CRM log, ERP
Data, contract promise breaking data are supervised after data, loan
In functional layer: including several special links of business on each service link of corresponding current assets mortgage financing system and chain
Functional module, the API that each functional module passes through system directly dock business division, and the Duan Ye on corresponding intelligent contract
Business is automatic to execute code；
In operation layer: business layer assembly includes service sub-system belonging to current assets mortgage financing system.
Further, host node is the node that permission is big in current assets mortgage financing system, is current assets mortgage financing body from node
The small node of permission in system, host node number are greater than 7.
Further, the data in the data Layer are divided into full disclosure data, semi-over data and underground data, completely
Public data passes through public key acquisition for node on all chains；Semi-over data are after authorization, and node passes through public and private on chain
The verifying of key obtains；Underground data are open for the specific node of a part, and specific node is after authorization with corresponding
Private key obtains data.
Further, it includes that data mining and analysis sandbox, data visualization presentation, data are clear that the data Layer, which also provides,
It washes, the technical component of data permission layering, all components function passes through intelligent contract and realizes.
Further, the functional module in the functional layer includes identity registration and authentication module, authority management module, fulfils the duty
Maintenance module, Audit Module, financial management settlement module, overall risk control module after inquiry module, decision and loan.
Current assets mortgage financing management method based on block chain in a kind of supply chain industry, method are flat based on block chain bottom
Platform, the method is as follows:
By docking on the chain of block platform chain or under line, current assets mortgage financing business demand is received or sent, then
Enterprise carries out notice audit mechanism and carries out internal first trial to business and will audit data cochain, and audit mechanism carries out using private key pair
File decryption carries out internal first trial, and will audit data cochain；
After the completion of internal first trial, each different audit mechanism, which combines, checks financing needs, and to quasi- mortgage goods
Product carry out audit and will audit data cochain；
Transmitting bank makes loans after the completion of review and the audit of quasi- mortgage kinds of goods；
After bank loan, the fund of current assets mortgage financing is utilized into process cochain, all host node project management log chains
Upper shared, host node joint periodically audits financing needs conditions of the enterprise, reappraises, comments to fund risk in real time
Estimate result cochain.
Further, if first trial result and review result in method are problematic, financing needs enterprise passes through block platform chain
Initiate the written appeal to first trial result.
Feature and performance of the invention are described in further detail with reference to embodiments.
Embodiment 1
Current assets mortgage finance management system based on block chain in the supply chain industry that present pre-ferred embodiments provide, including
Protocol layer, data Layer, functional layer and operation layer Down-Up, protocol layer are based on block chain underlying platform.
The bottom is protocol layer, and mainly the organizational form as used by common recognition algorithm, block chain community, intelligent contract are set
Meter mode, network struction, across chain technology, interfacing etc. are constituted.In the present embodiment, common recognition algorithm is (real using KAFKA+PBFT
With Byzantine failure tolerance) node common recognition mechanism, accounting nodes are voted by the main promoter of alliance's chain and are generated, while these promoters
It is also the host node of bottom alliance chain, host node number is generally greater than 7.In terms of organizational form, all participants's (node)
Host node can be divided into and from node (respectively corresponding important node and secondary nodes hereafter).The design method side of intelligent contract
Face adjusts for the business application in the present invention, credit approval, authority acquiring, responsible investigation data cochain, amount, is dynamic in real time
State data deposit card, write off, additions and deletions enterprise or customer information, Data Dynamic Query, advanced inquiry, enterprise identity are verified, project prison
Pipe, contract signature, contract cochain and management, business registration and number, flowing water verification, guarantee fund collect etc. the thin of links
Small business is completed a business transaction, and a corresponding intelligent Design by Contract Pattern is designed.Across the chain service of bottom passes through data ferry-boat (Data
Ferry), the interaction techniques such as Data Mart (Data Mart) realize that high opening, enhanced scalability and data height can interact across
Chain form also ensures the absolute safety of data-privacy while across chain technology is realized.It is connect finally, underlying platform provides business
Vocal imitation skill (API) passes through intelligent bond service business operation side corresponding to each functional areas.
The bottom-up second layer is data Layer, and the main task of data Layer is data storage, excavates, analyzes, at structuring
Reason, platform presentation, document No. and decoding, data O&M etc..The system component that data Layer includes have Certified Public Accountants Firm and
The responsible investigation data reporting that lawyer's office provides is original to deposit card, financing agreement electronics deposits card, intelligent contract sample data is deposited
Card deposits card, enterprise identity and account status number by the real-time item dynamic data that the Internet of Things equipment such as sensor and RFID obtains
According to the financing transaction data deposited card, actually occur on chain deposit card, warehouse receipt status data deposits card, risk analysis reports deposit card, item
Mesh supervises data, contract promise breaking data (if any) after supervising log, CRM log, ERP data (if any), loan
Etc..The data of data Layer are divided into full disclosure data, semi-over data and three kinds of underground data.Full disclosure data are directed to
Node on all chains, passes through public key acquisition；Semi-over data are after authorization, and node can be obtained by the verifying of public and private key on chain
It takes；Underground data are open just for a part of specific node, these nodes can be obtained after authorization with corresponding private key
Access evidence, but other nodes there is no the permission of private key.All data are maintained on chain, can be with by block chain browser
It carries out data query and retrieval, any node unsuppressible-suppression and distorts.In addition the data Layer of this platform additionally provides data mining
Pass through with technical component, all components functions such as analysis sandbox, data visualization presentation, data cleansing, data permission layerings
Intelligent contract is realized.
Bottom-up third layer is functional layer, corresponds to each service link and chain of common current assets mortgage financing system
Several special links of upper business, several API that each functional module passes through this platform directly dock business division, and corresponding
A section business on intelligent contract executes code automatically.Devise following some functional modules:
One is identity registration and authentication module, the business division that this module is related to is whole participants (node).
Registration and verification information whole encrypting storing need certain permission that can just inquire on chain.Secondary nodes can be nullified freely, but it
Preceding relevant information is still stored on chain.Important node can be nullified through the ballot of all important nodes, it is same before correlation
Information is still stored on chain.
The second is authority management module, the business division that this module is related to is whole participants.In steel supply chain
The permission type of current assets mortgage finance management system can be analyzed to search access right, service authority, ballot permission etc..Search access right
It explains: if certain participant (node) is deposited card to certain encryption data on chain and inquired, needing to obtain intelligent contract authorization and sign
Name obtains private key.Service authority is explained: different participants (node) is obtained in respective business by signature and private key
Authorization must be executed, contract is can star and executes corresponding business procedure, if to participate in cross business, must appeal and obtain other
The consistent authorization of important node, licensing process and signature are broadcasted in the whole network.Permission of voting is explained: as long as being related to intelligent agreement terms
Modification affairs, increase newly and delete important node affairs, is proposed by important node and pass through secondary nodes vote, 80% or more
It votes through, then intelligent contract is completed modification process and broadcasted to the whole network.Be related to important node (containing accounting nodes) addition or
Person exits affairs, is chosen in a vote by important node, and voting results are open and clear, is recorded on chain and broadcasts to the whole network, ballot row
For the supervision for receiving whole nodes.
The third is responsible investigation module (mode transfer block to the greatest extent), the business division that this module is related to be bank, financial analyst,
Lawyer's office, Certified Public Accountants Firm, well-known electric business platform and large and medium-sized quotient are superfine.Mode transfer block to the greatest extent is divided into two submodules, point
It is not that most mode transfer block on mode transfer block and line is use up under line.Carry out under line and adjusts business mainly true over the years according to financing needs enterprise to the greatest extent
Financial information, sales achievement information, capital structure multidate information, corporate boss want the market of high-rise academic conduct, warehouse receipt subject matter
Information, trade information and macroeconomy information etc. carry out comprehensive descision, and provide believable most tune report cochain and save, and are not relating to
It is broadcasted under the premise of close to the whole network.
The fourth is maintenance module after decision and loan, the business division that this module is related to is bank and other financial mechanism, is being opened
Certified Public Accountants Firm, rule institute, reference appraisal agency and regulatory agency etc. are also related to after exhibition joint is borrowed when maintenance service.
The fifth is Audit Module, the business division that this module is related to is lawyer's office, independent auditor, current assets mortgage
The independent audit organizations such as financing and the industry specialists of supply chain financial field, and commented by what above-mentioned independent audit organizations collectively constituted
Examine meeting.Business is related to carrying out Independent Audit and joint audit to the risk review report of current assets mortgage financing business, and is not relating to
Audit Report cochain is submitted under the premise of close, in order to provide comprehensive financing assurance.All audit operations are by intelligent contract
Clause executes.
The sixth is financial management settlement module, this module is related to the current assets mortgage financing business duration, by each industry
Payment management business, electronic invoice management business, cash journal management business, settle accounts calculation business caused by business subsystem etc.
Financial accounting affairs.The advantage of this platform is embodied in, and is precipitated by the complete clearly reliable financial big data of current assets mortgage financing ecology,
Optimization constantly is iterated to finance model for machine learning and Analysis of Policy Making software, the sample training based on real background is provided
Data improve the financial structure of each participant, reduce System Financial risk.
The seventh is overall risk control module, this module knows the various risks generated in whole service closed_loop
Not, assessment, early warning and control.These risks include the goods damage risk of warehouse receipt subject matter, Credit Risk Assessment of Enterprise, warehouse receipt value change
Operational risk, the liquidity risk of warehouse receipt, the distributed data base O&M technical risk etc. occurred in risk, business ecology.Greatly
Ability of the data technique in terms of the risk prevention system in pre-warning time, factor identification, quantization assessment etc. in advance thing has mentioned significantly
Height, block chain ensure data it is true and can not tamper, further enhance the Lian Shang each side confidence common for system air control
Basis.
Top is operation layer, and corresponding this set system at present of operation layer is capable of providing the application scenarios of total solution.
It finances business system present invention is mainly applied to the current assets mortgage in steel storage supply chain at present, each industry belonging to the system
Business subsystem can be used as business layer assembly, include project management subsystem, basic information maintenance management subsystem, warehouse receipt subject matter
Pledge forewarning management subsystem, warehouse receipt subject matter graduation authorization management subsystem (subject matter rank be divided into normal product, poor seller,
Face subject matter insured etc.), risk management subsystem etc..Each on-line off-line running height of component is corresponding, and has several important nodes
It participates in.
Embodiment 2
Current assets mortgage financing management method based on block chain in a kind of supply chain industry that present pre-ferred embodiments provide,
It is operated based on the current assets mortgage finance management system in supply chain industry based on block chain.It is steel storage enterprise for me
Participation role.Firstly, for for the steel storage enterprise of platform registration, the demand which is able to satisfy is to pass through steel
Iron storage enterprise is the financing assurance that warehouse receipt goods weighs that relevant enterprise provides, and obtains certain guarantee services expense, but also take on simultaneously
A part of credit risk.This system platform regulation steel storage enterprise has to comply with registered capital in principle and is no less than 10,000,000,
With 3 years industry experiences, have the good business reputation under line, independent kinds of goods heap can be set up for financing needs enterprise
There is the requirement such as perfect warehousing management system in pile region.
Method is as follows: (wherein S1-S5 belongs in the preceding loan of loan and manages, and post-loan management is belonged to after S6)
S1: by perhaps being docked under line on chain actively or passive receiving medium or small sized steel company and finance for current assets mortgage
Business demand, notice financial institution etc. audits business, the knot such as asset examination report, letter of authority, recent financial data
Fruit cochain；
S2: it financial institution, Certified Public Accountants Firm, lawyer's office, well-known electric business Platform Alliance opinion of primary examinations and provides
After financial terms cochain (first trial result setting permission simultaneously encrypts), in conjunction with oneself internal assessment professional person, air control assistant director
Deng checking again financing needs；
S3: to ownership, qualification, quality, specification, source area, the goods damage situation of quasi- mortgage kinds of goods etc. of financing needs enterprise
Data audit and cochain (after first ticket in the case of goods, this process is placed on after loan origination)；
S4: receiving financing needs enterprise storage kinds of goods, and by bill of goods, go out storage details and program, goods yard, week
The data such as surrounding environment cochain (such as commission third-party logistics warehouse department, is needed service interfacing whole electronic inventory cochain)；
S5: transmitting bank makes loans；
S6: combine other important nodes periodically to the finance, credit status, condition of sales of financing needs enterprise (pledger)
Etc. being audited, fund risk is reappraised in real time, assessment result cochain；
S7: periodically by kinds of goods storage monitoring and management process cochain, so as to other important node references；
S8: goods business, business procession cochain are redeemed in advance in strict accordance with kinds of goods present price and the processing of warehouse receipt value；
S9: the financing enterprise bad behavior that the monitoring of consolidated traffic supervisory node occurs in the process after borrowing, and all institutes are provided
The necessary data needed；
S10: after loan expires, after financial institution and pledger carry out principal and interest liquidation, it is responsible for handling matter object release hand
It is continuous, process and result cochain；
S11: it is shared on the chain of all important node project management logs.
Embodiment 3
Current assets mortgage financing management method based on block chain in a kind of supply chain industry that present pre-ferred embodiments provide,
It is operated based on the current assets mortgage finance management system in supply chain industry based on block chain.It is the participation of financial institution for me
Role.For platform registration financial institution for, the demand which is able to satisfy is industry of financing by current assets mortgage
Business obtains loan interest, while being the person of directly taking on of credit risk.Under normal circumstances, the financial institution of this platform meaning refers to note
Large scale business bank of the volume capital at 300,000,000 yuan or more.
Method is as follows: (wherein S1-S5 belongs in the preceding loan of loan and manages, and post-loan management is belonged to after S6)
S1: under positive factoring business logic, the medium-sized and small enterprises warehouse receipt matter sent on steel warehouse logistics enterprise chain is received
Financing needs inventory is given as security, file decryption is carried out by private key；
S2: internal first trial, and by audit process and result cochain；
S3: combining other important nodes and carry out to tune activity most under the line of financing needs enterprise and warehouse receipt subject matter project,
As a result cochain, and notify steel warehouse logistics enterprise (core enterprise) in writing；
S4: loan agreement under signature line, contract electronization simultaneously pass through cochain after each interests number formulary word Signature Confirmation.Contract
All executable clauses are all deployed on corresponding intelligent contract；
S5: formally making loans to pledge legal person (financing needs enterprise), process and actual value cochain；
S6: the steel current assets mortgage business business factoring assets document of electronization is formed in terms of financial institution, and is stored in
On chain, in addition digital signature is to confirm that bill ownership and waiting circulation；
S7: being worth in strict accordance with kinds of goods present price and warehouse receipt, issues the written of remargin to financing needs enterprise in real time
Notice, if current assets mortgage value does not break guarantee fund's minimal maintenance rate by a fall, this step can be exempted from；
S8: the monitoring of consolidated traffic supervisory node borrow after during the financing enterprise bad behavior that occurs, needed for all are provided
Necessary data:
S9: after loan expires, principal and interest liquidation is carried out in financial institution and pledger.Process and result cochain.
S10: it is shared on the chain of all important node project management logs.
Embodiment 4
Current assets mortgage financing management method based on block chain in a kind of supply chain industry that present pre-ferred embodiments provide,
It is operated based on the current assets mortgage finance management system in supply chain industry based on block chain.It is financing needs enterprise for me
Participation role.For platform registration financing needs enterprise (usually medium-sized and small enterprises) for, can be obtained by the system
Short fund in the account phase, improve short term financing structure and financial situation, and credit level is promoted by this platform, no matter from
It is advantageous in short term or all for a long time.
Method is as follows: (wherein S1-S5 belongs in the preceding loan of loan and manages, and post-loan management is belonged to after S6)
S1: suitable large-scale steel warehouse logistics enterprise is found as core enterprise, sends financing application；
S2: in conjunction with associated mechanisms requirement, the financing needs prospectus of electronic edition is provided, attachment includes the money of electronization
The texts such as matter testimonial material, the original financial statement of standardization, corporate juridical person's structure, main business, the simple introduction of kinds of goods property
Part；
S3: waiting first trial and review as a result, this process if you have questions, can be initiated by block platform chain to first trial result
Written appeal, may include indicative explaination, the more reasonable declaration of will of contract terms, the matter to auditing result of the terms of loan
It doubts.
S4: receive tune activity to the greatest extent under the line that important node joint is carried out, corresponding material notably cannot be such as provided as required
Material, this result may cochain；
S5: receive core enterprise it is mortgaged the ownership of kinds of goods (warehouse receipt subject matter), qualification, quality, specification, source area,
The data such as goods damage situation audit (after first ticket in the case of goods, this process is placed on after loan origination)；
S6:(is in front under the premise of condition satisfaction) receive formal make loans；
S7: the fund of current assets mortgage financing utilizes process cochain；
S8: it after the written notice for being connected to financial institution's requirement remargin, requires to mend on time according to financial institution
Sufficient guarantee fund, once otherwise its behavior cochain will make a very bad impression to its prestige；
S9: periodically receiving various risks assessment, prepares risk assessment material；
S10: it after loan expires, carries out principal and interest liquidation with financial institution and issues the release of matter object to core enterprise to request；
S11: checking the project management log of important node on chain, receives system and comments the synthesis credit of financing needs enterprise
Grade.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention
Made any modifications, equivalent replacements, and improvements etc., should all be included in the protection scope of the present invention within mind and principle.
Claims (7)
1. based on the current assets mortgage finance management system of block chain in a kind of supply chain industry, including protocol layer, number Down-Up
According to layer, functional layer and operation layer, it is characterised in that: the protocol layer is based on block chain underlying platform, and
In protocol layer: the node of all participants is divided into host node and from node in organizational form；Common recognition algorithm is visitd using practical
Account for front yard fault tolerant node common recognition mechanism；Intelligent Contract Design use to the business of links complete a business transaction design a pair answer intelligent contract
Mode；Business interface is provided, business operation side corresponding to each functional areas of intelligent bond service is passed through；Across chain service uses base
In across the chain form of interaction technique；
In data Layer: system component include responsible investigation data reporting it is original deposit card, financing agreement electronics deposits card, intelligent contract
Sample data deposits card, deposits card, enterprise identity and account shape by the real-time item dynamic data that sensor and Internet of Things equipment obtain
The financing transaction data that state data deposit card, actually occur on chain deposit card, warehouse receipt status data deposits card, risk analysis reports are deposited
Data, contract promise breaking data are supervised after card, project supervision log, CRM log, ERP data, loan；
In functional layer: the function comprising several special links of business on each service link of corresponding current assets mortgage financing system and chain
Module, the business interface that each functional module passes through system directly dock business division, and one section on corresponding intelligent contract
Business executes code automatically；
In operation layer: business layer assembly includes service sub-system belonging to current assets mortgage financing system.
2. based on the current assets mortgage finance management system of block chain in supply chain industry according to claim 1, feature exists
In: host node is the node that permission is big in current assets mortgage financing system, is that permission is small in current assets mortgage financing system from node
Node, host node number are greater than 7.
3. based on the current assets mortgage finance management system of block chain in supply chain industry according to claim 1, feature exists
In: the data in the data Layer are divided into full disclosure data, semi-over data and underground data, and full disclosure data are directed to
Node on all chains, passes through public key acquisition；Semi-over data are after authorization, and node is obtained by the verifying of public and private key on chain
It takes；Underground data are open for the specific node of a part, and specific node obtains number with corresponding private key after authorization
According to.
4. based on the current assets mortgage finance management system of block chain in supply chain industry according to claim 1, feature exists
In: it includes data mining and analysis sandbox, data visualization presentation, data cleansing, data permission point that the data Layer, which also provides,
The technical component of layer, all components function pass through intelligent contract and realize.
5. based on the current assets mortgage finance management system of block chain in supply chain industry according to claim 1, feature exists
In: the functional module in the functional layer includes identity registration and authentication module, authority management module, responsible investigation module, determines
Maintenance module, Audit Module, financial management settlement module, overall risk control module after plan and loan.
6. based on the current assets mortgage financing management method of block chain in a kind of supply chain industry, it is characterised in that: method is based on block
Chain underlying platform, the method is as follows:
By docking on the chain of block platform chain or under line, current assets mortgage financing business demand is received or sent, then enterprise
It carries out notice audit mechanism to carry out internal first trial to business and data cochain will be audited, audit mechanism is carried out using private key to file
Decryption carries out internal first trial, and will audit data cochain；
After the completion of internal first trial, each different audit mechanism, which combines, checks financing needs, and to quasi- mortgage kinds of goods into
Row audit simultaneously will audit data cochain；
Transmitting bank makes loans after the completion of review and the audit of quasi- mortgage kinds of goods；
After bank loan, the fund of current assets mortgage financing is utilized into process cochain, is total on all host node project management log chains
It enjoys, host node joint periodically audits financing needs conditions of the enterprise, reappraises in real time to fund risk, assessment knot
Fruit cochain.
7. based on the current assets mortgage financing management method of block chain in supply chain industry according to claim 6, feature exists
In: if the first trial result and review result in method are problematic, financing needs enterprise is initiated by block platform chain to just concluding
The written appeal of fruit.
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