P2P financing platform fund bank storage management method based on block chain

Abstract

The invention provides a P2P financial platform fund bank storage management method based on a block chain, a P2P fund storage management system of a first participant, a P2P financial platform application of a second participant, a government platform and an insurance platform of a third participant and the like need to be provided, and all the participants are mutually connected through the block chain network. The block chain network comprises an intelligent contract block chain network and a certificate storage block chain network; after the P2P financing platform application executes thepoint-to-point network borrowing and loan service, the P2P fund storage and management system performs storage and management; and the insurance platform provides insurance service, performs service scheduling and storage through the P2P fund storage and management platform, inquires and analyzes storage data through the government platform, and audits and supervises P2P services. According to theinvention, the whole-process legal management of P2P fund bank storage and management is realized, the data storage difficulty of P2P transaction is reduced, the system performance based on the blockchain technology is improved, the approval process and business transaction complexity of multiple participants in fund hosting are simplified, and the information transparency and the supervision strength are improved.

Description

technical field [0001] The present invention relates to the financial industry, in particular to a block chain-based P2P wealth management platform capital bank depository management method. Background technique [0002] P2P (person-to-person or peer-to-peer) person-to-person (partner-to-partner), also known as peer-to-peer network lending, is a kind of private small-amount loan that gathers small amounts of funds to lend to people in need of funds The loan model is a kind of Internet finance (ITFIN) product, which belongs to private micro-credit, and uses the Internet and mobile Internet technology to provide online credit platforms and related financial management behaviors and financial services. The "Guiding Opinions on Promoting the Healthy Development of Internet Finance" (Yin Fa [2015] No. 221) issued in 2015, and the subsequent "Guidelines for the Depository Business of Internet Lending Funds (Draft for Comment)" have carried out the P2P fund depository business. De...

AI Technical Summary

Problems solved by technology

[0005] Therefore, the existing management methods for fund custody mainly have the following deficiencies: 1. The existing management methods focus on the realization of fund custody functions, the business process of the transfer of custody funds, and the operation, insurance, creditor's rights, loan repayments, and rewards of custody funds. The whole-process management and certificate deposit of a series of approval flow, information flow, and capital flow such as payment, contract, and fee collection are weak; its applicable scenarios cannot fundamentally solve the difficulty of verifying and guaranteeing P2P targets in traditional P2P fund custody Issues such as authenticity, difficulty in depositing evidence for transactions and operations, and difficulty in regulatory audits

2. The P2P platform has problems such as large number of users, small targets, small transaction amount, frequent transactions, etc.

Therefore, to establish a securities registration and settlement company with reference to securities fund depository to manage transaction authenticity, the cost is too high, and the workload is too large to achieve effective verification and guarantee.

3. The centralized system lacks a solution to better realize credible data sharing among the cross-domain systems built by each participant, and credible cross-domain logic execution (including multi-participant business logic, multi-system inter-system process) Scheduling logic, automatic execution of electronic contract logic, etc.)

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