Bill financing method and system based on intelligent matching platform, equipment and medium

A bill and intelligent technology, applied in the field of bill financing, can solve the problems of small and medium-sized enterprises' financing difficulties, expensive financing, and difficulty in accurately matching capital needs, and achieve the effects of speeding up acceptance, reducing operational risks, and saving labor costs and time costs

Pending Publication Date: 2021-06-11
HUNAN UNIV
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Problems solved by technology

[0009] The invention provides a bill financing method based on an intelligent matching platform, a system, a device, and a computer-readable storage medium to solve the difficulties and expensive financing of small and medium-sized enterprises existing in the existing bill financing mode, and the difficulty of accurate financing for both parties. matching technical issues

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  • Bill financing method and system based on intelligent matching platform, equipment and medium
  • Bill financing method and system based on intelligent matching platform, equipment and medium
  • Bill financing method and system based on intelligent matching platform, equipment and medium

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Embodiment Construction

[0049] The embodiments of the present invention will be described in detail below with reference to the accompanying drawings, but the present invention can be implemented in various ways defined and covered below.

[0050] Such as figure 2As shown, the preferred embodiment of the present invention provides a bill financing method based on an intelligent matching platform, comprising the following steps:

[0051] Step S1: The fund demander node and the fund supplier node register their identities, and record them on the blockchain after successful registration;

[0052] Step S2: The fund demander node lists the bill information to the bill pool of the smart matching platform node;

[0053] Step S3: The intelligent matching platform node splits and integrates the bills listed by the fund demander node;

[0054] Step S4: The smart matching platform node conducts smart matching based on the split and integrated new bills, and generates order information based on the matching r...

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Abstract

The invention discloses a bill financing method and system based on an intelligent matchmaking platform, equipment and a medium, the method solves the authenticity problem of trade backgrounds and data such as forged contracts and transactions by using the distributed account book technology of a block chain and the characteristic that the data cannot be tampered, and ensures the authenticity and effectiveness of information. The intelligent matching platform is used for splitting, integrating and matching the bills, so that a bill holder and the whole bill market can reasonably deploy the bills, the accepting speed of the bills is increased, the information asymmetry condition is reduced, the financing efficiency is increased, and the financing cost is reduced. Meanwhile, the discount interest rate and pledge cost of the fund demander are saved, and the settlement cost and the potential compliance risk of the fund demander are reduced. The block chain technology and the intelligent matching platform are combined, the three advantages of bill electronization, detachability and matchability are integrated, the fund demand side, the fund supplier and the commodity supply chain in the bill market are mutually beneficial and coexist, and the win-win situation is achieved.

Description

technical field [0001] The present invention relates to the technical field of bill financing, in particular, to a bill financing method based on an intelligent matching platform, a system, a device, and a computer-readable storage medium. Background technique [0002] Bill financing refers to a method in which the holder of the bill obtains a commercial bill of exchange through a non-trade method, and uses the bill to apply to the bank for discounting funds to achieve financing purposes. Such as figure 1 As shown, the traditional bill financing business process is that when small and medium-sized enterprises have capital needs, they go to the bank with a commercial acceptance bill to go through the bill discount procedure. Under the background that discount and rediscount rates have been basically marketized, the cost of obtaining funds for bill financing is much lower than that of general loans, thereby reducing the financing cost of enterprises. [0003] However, the ex...

Claims

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Application Information

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IPC IPC(8): G06Q20/38G06Q20/40G06Q20/10G06Q40/02G06Q40/04G06Q40/06
CPCG06Q20/3825G06Q20/3827G06Q20/3829G06Q20/4014G06Q20/102G06Q40/02G06Q40/04G06Q40/06
Inventor 马超群杨竟澜周中定李信儒兰秋军
Owner HUNAN UNIV
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