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Block chain-based supply chain enterprise dynamic credit scoring system and method

A credit scoring and supply chain technology, applied in the blockchain field, can solve problems such as dependence on labor, long business chain, cumbersome operation process, etc., and achieve the effect of increasing data transparency, reducing errors and risks, and reducing credit risk

Inactive Publication Date: 2021-08-27
广西综合交通大数据研究院
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Problems solved by technology

[0003] It can be seen that in supply chain finance, there are many relevant participants, the business chain is too long, and the operation process is cumbersome. Therefore, enterprises are prone to mistakes and mistakes in related operations, leading to some operational risks, which will make financial institutions and enterprises In an information unequal position
In addition, in the process of corporate financing, it is highly dependent on manual work and the execution efficiency is low

Method used

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  • Block chain-based supply chain enterprise dynamic credit scoring system and method
  • Block chain-based supply chain enterprise dynamic credit scoring system and method
  • Block chain-based supply chain enterprise dynamic credit scoring system and method

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[0040] Embodiments of the present application are described in detail below, examples of which are shown in the drawings, wherein the same or similar reference numerals denote the same or similar elements or elements having the same or similar functions throughout. The embodiments described below by referring to the figures are exemplary only for explaining the present application, and are not construed as limiting the present application.

[0041] Those skilled in the art will understand that unless otherwise stated, the singular forms "a", "an", "said" and "the" used herein may also include plural forms. It should be further understood that the word "comprising" used in the specification of the present application refers to the presence of the features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, Integers, steps, operations, elements, components, and / or groups thereof. It will be under...

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Abstract

The embodiment of the invention provides a block chain-based supply chain enterprise dynamic credit scoring system and method, and relates to the field of block chains. The system comprises an enterprise node which is used for an enterprise to upload business data to a supply chain block chain platform; a trusted third-party node which is used for determining a data analysis report and a cross validation report; a credit scoring module node which is used for scoring the enterprise based on a preset credit scoring model and generating a credit score; and a financial institution node which is used for generating a credit extension scheme corresponding to the enterprise based on the enterprise financing application and the credit score. According to the embodiment of the invention, a block chain technology is combined with supply chain finance, an enterprise credible data pool is provided, financial institution credit granting and enterprise financing businesses are online, errors and risks caused by manual operation are reduced, financial institution credit granting and enterprise financing efficiency is improved, bank credit granting risks are reduced, the data transparency of supply chain participation enterprises is increased, the trust of financial institutions to enterprises is increased, and a flexible credit granting scheme is generated.

Description

technical field [0001] This application relates to the technical field of block chain, specifically, this application relates to a dynamic credit scoring system and method for supply chain enterprises based on block chain. Background technique [0002] Difficulty in corporate financing has always been an important problem to be solved in my country's economic development. Supply chain finance is considered to be the best way for enterprises to obtain financing services. It is an interdisciplinary subject in the fields of supply chain, finance, and logistics. The biggest feature of supply chain finance is that it has a long business chain, many related participants, and complicated operating procedures. Therefore, enterprises are prone to mistakes and mistakes when conducting related business operations, which will lead to operational risks. There are doubts about the authenticity of the data uploaded by various enterprises, which makes the control of data by financial insti...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06G06Q10/06
CPCG06Q40/06G06Q10/06393G06Q10/067
Inventor 李晓欢陈帆叶进
Owner 广西综合交通大数据研究院
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