Trade financing methods and systems on distributed ledger

Abstract

The invention provides trade financing methods and systems on a distributed ledger. The methods and systems are based on block-chain technology. One of the methods includes: generating a right and interest voucher by a core enterprise; and splitting and transferring the right and interest voucher level by level among multi-level suppliers. Specifically, the core enterprise and the multi-level suppliers create distributed-ledger account numbers, and select certificates for login, and certificate signature verification is carried out by a service end of the distributed ledger; the core enterprise generates the right and interest voucher; the right and interest certificate is split and transferred level by level among the multi-level suppliers; trade financing is carried out on the basis of the right and interest voucher, and trade financing records are generated; and the core enterprise carries out asset transferring and encashment of the payer and the receivers according to contract contents in the right and interest voucher. According to the methods and systems, the financial trade system collapse problem is avoided, and trade processes are safer; financial trade process executionefficiency is improved, trade time delays are reduced, and processing costs are also reduced; risk control risks are effectively reduced; and robustness of a trade system is guaranteed.

Description

technical field [0001] The present invention relates to the field of block chain technology, in particular to a trade financing method and system on a distributed ledger. Background technique [0002] The current supply chain financial system has the problem of financing difficulties for multi-level suppliers, while the logic of traditional supply chain finance only solves the problem of financing for first-level suppliers, and it is difficult to solve the problem of financing for suppliers above the second level. First of all, due to information asymmetry, the information and data of all parties involved are maintained separately, and there are problems such as low tampering costs and low data reliability. The second is that credit cannot be transferred. For financing companies, circulation and financing information is mainly completed offline, and there are problems of repeated certification and low efficiency; for lending institutions or production companies, there is a l...

AI Technical Summary

Problems solved by technology

[0004] However, the above-mentioned patents still do not solve the problem of financing difficulties for multi-tier suppliers

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