The invention relates to the technical field of financial science and technology, and discloses a
blockchain-based bill creditor's right circulation and financing method and
system, and the method comprises a bill information collection unit, a
blockchain storage unit, a creditor's right auditing unit, a circulation transaction unit, and a financing application unit. According to the invention, the security of bill information is guaranteed through an asymmetric
encryption algorithm, and tampering and stealing are prevented; multiple links such as rigorous creditor's right auditing, identity information comparison, endorsement continuity check and transaction contract auditing ensure that the bill is true and legal; the circulation transaction mechanism is efficient, convenient and clear, the links of listing, inquiry, bargaining, transaction and the like are covered by a clear process, a price matching
algorithm promotes transaction conclusion, a
smart contract automatically executes creditor's right transfer and information updating, and the transaction efficiency and accuracy are improved; financing application service is complete,
enterprise application is convenient, a strict auditing mechanism is combined with credit evaluation and creditor right auditing to guarantee financing safety, more financing channels are provided for enterprises, and entity economic development is promoted.