Supply chain financial system based on a block chain and a construction method thereof

Abstract

The invention provides a supply chain financial system based on a block chain and a construction method thereof. According to the system, credit overflow of a core enterprise is utilized; real trade is taken as a support; an industrial network of symbiotic development between the core enterprise and the upstream multi-stage supplier is constructed; by relying on platform asset vouchers formed by first-level suppliers for receivable accounts of core enterprises, comprehensive financial services such as fund financing, payment settlement and process optimization are provided for the first-levelsuppliers, all the asset vouchers are stored through block chain nodes, and rapid confirmation and real-time sharing synchronization of all participants of a system platform are achieved. The supply chain financial system based on the block chain technology is realized, the problem of mutual trust among participants such as a core enterprise, a fund party and a factoring party is solved, the credit of the core enterprise can be effectively transferred, and the financing cost of small and medium-sized enterprises is effectively reduced.

Description

technical field [0001] The present invention relates to the field of block chain finance, in particular to a supply chain financial system based on block chain technology and a construction method thereof. Background technique [0002] The vast majority of small and micro enterprises in the industrial chain have the problem of difficult and expensive financing. [0003] In the entire industrial chain, the ERP systems of participating enterprises are not completely interoperable. Except for core enterprises and first- and second-tier suppliers, other small and medium-sized enterprises have a low degree of informatization, and trade information cannot be shared in real time. It is difficult to effectively verify the reliability, which further increases the difficulty of obtaining credit support from financial institutions. [0004] Core enterprises have abundant credit resources, but in the multi-level supplier model, traditional factoring, accounts receivable pledge, bill di...

AI Technical Summary

Problems solved by technology

[0003] In the entire industrial chain, the ERP systems of participating enterprises are not completely interoperable. Except for core enterprises and first- and second-tier suppliers, other small and medium-sized enterprises have a low degree of informatization, and trade information cannot be shared in real time. It is difficult to effectively verify the characteristics, which further increases the difficulty of obtaining credit support from financial institutions

[0004] Core enterprises have abundant credit resources, but in the multi-level supplier model, traditional factoring, accounts receivable pledge, bill discounting and other receivable supply chain financial models can only meet the requirements of the upstream first-tier suppliers of the core enterprise. Financing needs, and the credit of the core enterprise cannot be passed on to suppliers after the first level, and these small and medium-sized enterprises cannot rely on the credit of the core enterprise for financing

On the one hand, it is difficult to judge the main credit risk of these suppliers; on the other hand, the operation methods of traditional bills receivable and accounts receivable and other current assets as credit certificates are more limited. For example, bank notes and commercial notes cannot be split and discounted. The threshold is high and the financing process is long, and it is difficult to confirm the rights

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