Blockchain-based enterprise credit financial service system

Abstract

The invention discloses a blockchain-based enterprise credit financial service system, which comprises blockchain underlying data and a financial service module, and is characterized in that the financial service module runs on the blockchain underlying data. The management system operates based on block chain network underlying data, asset right confirmation can be more convenient, intermediate links are reduced, data intercommunication is formed between a core enterprise and small and medium-sized enterprises, data evidence storage is facilitated, and credit management on the small and medium-sized enterprises is more convenient; data trust of a core enterprise and small and medium-sized enterprises can be achieved due to the tamper-proof characteristic of the block chain network, the credit risk in the transaction process is reduced, the transaction process is simplified, the transaction efficiency is improved to a certain extent, and the transparency of the block chain also prevents the possibility of bill counterfeiting and repeated pledge; and the blockchain network establishes a point-to-point trust mechanism through a distributed account book architecture mode, so that a trust-equivalent management platform can be constructed.

Description

technical field [0001] The invention relates to the field of financial services, in particular to a blockchain-based enterprise credit financial service system. Background technique [0002] The bank manages the capital flow and logistics of upstream and downstream small and medium-sized enterprises around the core enterprise, and transforms the uncontrollable risk of a single enterprise into the controllable risk of the supply chain enterprise as a whole, and controls the risk to the minimum through three-dimensional acquisition of various information. Financial services . [0003] Blockchain is a term in the field of information technology. In essence, it is a shared database, and the data or information stored in it has the characteristics of "unforgeable", "retaining traces throughout the process", "traceable", "open and transparent", and "collective maintenance". Based on these characteristics, blockchain technology has laid a solid "trust" foundation, created a relia...

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Problems solved by technology

[0004] In the case of supply chain financial services, because the final confirmation right belongs to the core enterprise, and the downstream small and medium-sized enterprises cannot enter the data into their own credit institutions through the distribution tasks of the upstream organization, and the core enterprise and the middle and lower reaches The enterprises did not carry out information sharing, resulting in the inability to confirm the assets, the production qualifications cannot be uploaded correctly, and the production certificates of the upstream core enterprises will not be left, resulting in insufficient information equivalence, and the existing supply chain financial chain is relatively weak. There are many long-term and designed companies, the data is scattered, and the transparency is transparent. It is difficult to establish a data model for small and medium-sized enterprises, which restricts the timeliness of the financing process, and it is difficult for the supply chain to play the role of credit, and there is a lack of complete statistical credit and risk prediction measures. , to this end, we propose a blockchain-based enterprise credit financial service system

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