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Factoring financing method, system and device based on blockchain, and storage medium

A blockchain and credit technology, applied in systems, blockchain-based factoring financing methods, equipment and storage media fields, can solve the problems of low financing efficiency and difficulty in financing, reduce business costs, improve efficiency, and improve efficiency. effect of regulation

Pending Publication Date: 2021-03-16
CHINA ZHESHANG BANK
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Problems solved by technology

[0004] The purpose of the present invention is to provide a factoring financing method, system, equipment and storage medium based on block chain, which is used to realize the online management of factoring financing business, improve the safety and efficiency of factoring financing, and help to solve Difficulty in financing and low financing efficiency for upstream and downstream enterprises in the supply chain

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  • Factoring financing method, system and device based on blockchain, and storage medium
  • Factoring financing method, system and device based on blockchain, and storage medium

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Embodiment Construction

[0027] The present invention will be described in further detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, and are not intended to limit the present invention.

[0028] figure 1 It is a flow chart of the block chain-based factoring financing method provided in the embodiment of the present invention, the method includes:

[0029] (1) The core enterprise and the financing enterprise (supplier) sign a trade contract and generate accounts receivable, and register the core enterprise credit information, financing enterprise credit information, trade contract and other information and accounts receivable information in the blockchain;

[0030] (2) The financing company initiates a factoring financing business application to the factoring company, and the factoring company reviews the credit information of the financing company thro...

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Abstract

The invention discloses a factoring financing method, system and device based on blockchain, and a storage medium, and the method comprises the steps that a core enterprise and a financing enterprisesign a trade contract and generate receivables, the enterprise credit, trade contract and receivables information are registered to the blockchain, and the financing enterprise initiates a factoring financing business application to a factoring company; the factoring company signs a factoring agreement with the financing enterprise after auditing is passed, the financing enterprise transfers the receivables to the factoring company and registers the factoring agreement and receivables transfer transaction information to the blockchain, the factoring company can directly issue financed capitalor transfer receivables to a bank, and the bank issues financed capital after bill auditing is errorless, and after the receivables expire, the financing enterprise repays money, and various types oftransaction information is registered to the blockchain in the process. According to the invention, online management of factoring and financing services is realized through the blockchain technology,the security and efficiency of factoring and financing are improved, and the problems of difficult financing and low financing efficiency of upstream and downstream enterprises of a supply chain aresolved.

Description

technical field [0001] The invention belongs to the fields of computer systems and block chains, and in particular relates to a block chain-based factoring financing method, system, equipment and storage medium. Background technique [0002] With the deepening of the supply-side reform and industrial transformation and development, the financing difficulties and expensive financing bottlenecks faced by small, medium and micro enterprises have gradually become prominent. As one of the main methods of supply chain accounts receivable financing, factoring still has many pain points in actual practice. First, there are isolated information islands in the supply chain, information systems between enterprises are not interoperable, and the cost of collaboration is high; second, the process of information interaction Among them, the authenticity of information such as operating conditions, financial information, and risk information of each participant and the authenticity of busin...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38G06Q40/06
CPCG06Q20/389G06Q40/06
Inventor 臧铖陈嘉俊钟礼斌
Owner CHINA ZHESHANG BANK
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