Financing method and equipment based on block chain intelligent contract technology

Abstract

The invention provides a financing method and device based on a block chain intelligent contract technology. The method comprises the following steps: in response to a creation request of a fund borrower, creating a financing smart contract in a block chain system; enabling the financing intelligent contract to obtain financing information set by the fund borrowing party, fund borrowing party information and loan information set by the candidate fund loaning party; establishing a candidate fund loan party sequence, and when the financing smart contract starting time in the financing smart contract is reached, generating a loan strategy; and enabling the financing intelligent contract to select a fund loaning party according to the loan strategy, transfer a specified amount of fund from the account of the fund loaning party to the account of the fund borrowing party, generate a financing record, and write the financing record into the block chain system. In this way, more investors are promoted to participate in the financing plan, and financing activities are transparent and open, cannot be tampered and are more flexible; and a trust mechanism is established, so that the default rate, the investment threshold and the investment difficulty are reduced, and the fund flow rate, the financing efficiency and the social resource utilization rate are improved.

Description

technical field [0001] Embodiments of the present invention generally relate to the field of blockchain technology, and more specifically, relate to a financing method and equipment based on blockchain smart contract technology. Background technique [0002] Blockchain is a term in the field of information technology. In essence, a blockchain system 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", "collective maintenance", etc. feature. There is a timestamp on the block data to mark the block generation time. The security of user data depends on the public-private key system used. Blockchain technology provides a "trust" foundation, creates a reliable "cooperation" mechanism, and has broad application prospects. Smart Contract (Smart Contract) was first proposed by Nick Szabo in 1994. A smart contract is a set of commitments specified in...

AI Technical Summary

Problems solved by technology

[0003] In the current social financing market, financing activities are often limited to a very small range, and the transparency of financing activities is poor, resulting in difficult and expensive financing problems. Due to the lack of supervision of non-governmental activities, it is also prone to breach of contract disputes and malicious disruption of financing The behavior of the market, resulting in capital risk

In general financing activities, it is often required that the lending period of the borrower and the lender be consistent, and what is more, the amount of funds is required to be consistent, resulting in a high threshold for financing activities, which cannot make more lenders flexible Participation increases the difficulty of financing, reduces financing efficiency, and causes a great waste of social resources

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