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Warehouse receipt pledge financing management system and method based on block chain in supply chain industry

A management system and blockchain technology, applied in the field of warehouse receipt pledge financing management system based on blockchain, can solve the problems of low quality of credit security assessment of financial institutions, insufficient informatization, false warehouse receipt pledge, etc. The effect of big data structured analysis and processing, high scalability and high availability

Pending Publication Date: 2019-10-11
成都积微物联集团股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to solve the problem of warehouse receipt pledge financing management in the current warehousing supply chain. Due to the insufficient informatization of the existing management system, it is difficult to completely cover the dynamic evaluation of the value of warehouse receipt pledge items, pledge release, credit granting links and review, and financing entities. Credit risk control, penetrating supervision and other links, and it is easy to cause repeated pledges of warehouse receipts, serious pledges of false warehouse receipts, and low-quality credit security assessment of financial institutions. A blockchain-based Warehouse receipt pledge financing management system

Method used

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  • Warehouse receipt pledge financing management system and method based on block chain in supply chain industry

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Embodiment 1

[0048] The blockchain-based warehouse receipt pledge financing management system in the supply chain industry provided by the preferred embodiment of the present invention includes bottom-up protocol layer, data layer, function layer and business layer, and the protocol layer is based on the underlying blockchain platform.

[0049] The bottom layer is the protocol layer, which is mainly composed of consensus algorithm, organizational form adopted by the blockchain community, smart contract design method, network construction, cross-chain technology, interface technology, etc. In this embodiment, the consensus algorithm adopts the KAFKA+PBFT (Practical Byzantine Fault Tolerance) node consensus mechanism. The accounting nodes are voted by the main initiators of the alliance chain, and these initiators are also the master nodes of the underlying alliance chain. The number of master nodes is generally Must be greater than 7. In terms of organizational form, all participants (nodes...

Embodiment 2

[0061]A preferred embodiment of the present invention provides a blockchain-based warehouse receipt pledge financing management method in the supply chain industry, which is operated based on a blockchain-based warehouse receipt pledge financing management system in the supply chain industry. For me, I am a participating role in a steel storage company. First of all, for steel storage companies that have registered on the platform, the system can meet the demands of obtaining certain guarantee service fees through the financing guarantee provided by steel storage companies for companies related to warehouse receipt and cargo rights, but at the same time, it also bears part of the loan risk. This system platform stipulates that steel storage enterprises must meet the registered capital of not less than 10 million in principle, have three years of industry experience, and have a good business reputation offline. For financing needs, enterprises can set up independent goods stack...

Embodiment 3

[0075] A preferred embodiment of the present invention provides a blockchain-based warehouse receipt pledge financing management method in the supply chain industry, which is operated based on a blockchain-based warehouse receipt pledge financing management system in the supply chain industry. For participating roles where I am a financial institution. For financial institutions that have registered on the platform, the system can meet the demands of obtaining loan interest through the warehouse receipt pledge financing business, and at the same time be the direct bearer of loan risk. In general, the financial institutions referred to in this platform refer to large commercial banks with a registered capital of more than 300 million yuan.

[0076] The method is as follows: (S1-S5 belongs to pre-loan and mid-loan management, and S6 and later belongs to post-loan management)

[0077] S1: Under the forward factoring business logic, receive the list of small and medium-sized ente...

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Abstract

The invention discloses a warehouse receipt pledge financing management system and method based on a block chain in the supply chain industry. A protocol layer, a data layer, a function layer and a service layer which are fully covered by a warehouse receipt pledge financing service system based on a block chain are designed. A practical Byzantine fault-tolerant node consensus mechanism, a data distributed evidence storage feature, an information transparency feature, a distributed operation and maintenance feature and the like adopted by a protocol layer based on a block chain are more convenient for big data structured analysis and processing, relatively accurate enterprise portraits are realized, and real-time data synchronization and data security are realized. Therefore, unified business decision optimization arrangement and risk control are facilitated, and convenience is provided for penetration type supervision. The system and the method can completely cover the links of warehouse receipt pledge article value dynamic evaluation, pledge release, credit extension and examination, financing subject credit risk control, penetration type supervision and the like, and avoid the problems of repeated warehouse receipt pledge, serious false warehouse receipt pledge phenomenon and low credit extension safety evaluation quality of financial institutions.

Description

technical field [0001] The invention belongs to the technical field of block chain applications, and in particular relates to a block chain-based warehouse receipt pledge financing management system and method in the supply chain industry. Background technique [0002] Warehouse receipt pledge financing is the main business type in the field of supply chain finance. It belongs to the movable property pledge business of logistics and warehousing enterprises. It is a warehousing and logistics enterprise with a certain inventory value. Under the premise of the guarantee of the core enterprise, it uses the pledge of warehouse receipts to financial institutions such as banks. financing behavior. The warehouse receipt itself represents the right to take delivery. Among them, the core enterprise (generally a third-party logistics company) bears the risk of damage to its own funds due to changes in the value of pledged warehouse receipts, changes in the value of pledged inventories...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q10/08G06Q40/04G06F16/27G06F21/64
CPCG06Q10/0635G06Q10/0875G06Q40/04G06F16/27G06F21/64
Inventor 谢海陈源陈军冯赟霖
Owner 成都积微物联集团股份有限公司
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