Commercial ticket financing system and method based on block chain

Abstract

The invention provides a commercial ticket financing system and method based on a block chain. According to the system, bank credit is taken as guarantee, an electronic commercial acceptance bill is taken as a financing tool, a commercial bill holding enterprise can initiate commercial bill discounting, the bill is audited, regulated and controlled through a platform party, a fund party realizes rapid loaning after platform auditing and quoting, the financing problem of a supply chain enterprise is solved, and the fund circulation efficiency of an industrial chain is improved; business ticketinformation, auditing information and loaning information are stored through block chain nodes, so that rapid confirmation and real-time sharing synchronization of all participants of the system platform are realized; the business ticket financing service is enhanced by combining a block chain technology with bank supervision; risks are centralized in a core enterprise, account supervision serviceis provided for bill financing of a financing party through a bank, transaction fund safety is ensured, business bill financing data is guaranteed by matching with the non-tampering characteristic ofa block chain technology, development of supply chain related enterprises is driven, and innovative driving development is achieved.

Description

technical field [0001] The invention belongs to the field of block chain finance, and in particular relates to a commercial bill financing system and method based on block chain technology. Background technique [0002] In my country's economic and trade activities, the imbalance of supply chain funds has a long history and has become a major issue affecting China's economic efficiency. The situation that the core enterprise defaults on the payment to the upstream enterprise and the downstream enterprise is required to prepay the account has led to the frequent blockage of the funds of the upstream and downstream enterprises, and these disadvantaged enterprises are difficult to obtain from banks and other financial institutions through real estate mortgages due to the lack of fixed assets. loan. [0003] Commercial paper financing is a credit business, and the process for the holder to apply for financing is cumbersome, and the commercial paper has dual attributes of "payme...

AI Technical Summary

Problems solved by technology

The situation that the core enterprise defaults on the payment to the upstream enterprise and the downstream enterprise is required to prepay the account has led to the frequent blockage of the funds of the upstream and downstream enterprises, and these disadvantaged enterprises are difficult to obtain from banks and other financial institutions through real estate mortgages due to the lack of fixed assets. loan

[0003] Commercial paper financing is a credit business, the process for the holder to apply for financing is cumbersome, and the commercial paper has dual attributes of "payment" and "financing"

Most of the commercial bills are only for local enterprises, and it is difficult to provide services for enterprises in other places. The number of commercial bills endorsed increases, and the terminal holders have a high probability of leaving the city where the core enterprise is located, and cannot enjoy the discount service of local bank commercial bills.

Often after the core enterprise issues a commercial invoice to the first-tier supplier, the first-tier supplier immediately applies for a discount from the local bank, which does not give full play to the payment nature of the bill and cannot benefit small, medium and micro enterprises at the end of the supply chain

In the entire industrial chain, the ERP systems of participating enterprises are not completely interoperable. Except for some large enterprises, other small and medium-sized enterprises have a low degree of informatization, transaction information cannot be shared in real time, and the authenticity of bills is difficult to effectively verify. , which further increases the difficulty of obtaining credit support from financial institutions

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