Account receivable pledge financing method and device based on block chain, computer equipment and storage medium

Abstract

The invention provides an account receivable pledge financing method based on a block chain, and the method comprises the following steps of enabling a bank side node to create a credit line block, and add the credit line block to the block chain; receiving a credit line block, creating an accounting voucher block, and adding the accounting voucher block into the block chain; approving the accounting voucher block, and sending the approved accounting voucher block to a supplier node after the core enterprise node issues the approved accounting voucher block; signing for the accounting voucherblock, selecting a financing type by a supplier node to create a financing application block, and adding the financing application block into a block chain; enabling the supplier node or the fund party node to create a contract block, and enabling the fund party node to add the contract block into a block chain; and after approval is completed, enabling the fund party node to carry out financing and loaning. According to the invention, the financing problem of small and medium-sized enterprises in the supply chain is solved, the full-chain association service information can be further mastered based on the financial service relationship of the supply chain, and the effective control of the supply chain operation risk is effectively realized.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a blockchain-based account receivable pledge financing method, device, computer equipment and storage medium. Background technique [0002] Accounts receivable pledge financing refers to the short-term financing in which the enterprise pledges its legally owned accounts receivable to the bank as a guarantee for repayment, but the bank does not assume any debts of the enterprise under the accounts receivable. During the loan period, the discounted pledged accounts receivable shall not be lower than the loan balance (total of loan principal and interest). When the discounted pledged accounts receivable is less than the loan balance during the loan period, the enterprise shall supplement and replace it with new qualified accounts receivable according to the requirements of the bank. After the debt guaranteed by the pledge of accounts receivable expires, if the pledg...

AI Technical Summary

Problems solved by technology

[0003] The traditional financing model 1+N means that a core enterprise has multiple suppliers. The credit of suppliers depends on the credit of the core enterprise, and the risks are concentrated in the core enterprise. It is difficult for some small and micro suppliers at the end to have qualifications or credit Obtaining funds has led to financing difficulties for small and micro enterprises. Under traditional business scenarios, core enterprise credit cannot be transferred, information related to the entire industry chain cannot be shared, it is difficult for banks to obtain customers, and clearing and settlement are cumbersome and complicated. At the same time, supply cannot be realized. Effective control of chain operation risks

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