Multi-party co-construction credit record method based on block chains

Abstract

The present invention discloses a multi-party co-construction credit record method based on block chains. The roles participated in the whole credit system comprises a support third party and a data owner, the support third party is responsible for the building of a communication system and the formulation and the realization of the technology standard, and the data owner provides credit records. The multi-party co-construction credit record method based on block chains is able to completely record information which cannot be changed so as to ensure the authenticity of credit record, is able to complete multi-party construction together through a third party link, wherein the data provider does not need to provide original data in advance, and the data interaction is performed when the data is required, and are able to ensure the authenticity of data providers and the validity of data through digital signature.

Description

technical field [0001] The invention relates to a credit record method, in particular to a block chain-based multi-party credit record method. Background technique [0002] Enterprise credit loan refers to the loan issued on the credit of the borrower. Its characteristic is that the borrower does not need to provide collateral or a third-party guarantee and can obtain a loan only on the basis of his own credit. Due to the relatively high risk of this loan method, it is generally necessary to conduct detailed investigations on the borrower's economic benefits, management level, and development prospects to reduce risks. [0003] Transaction records refer to the transaction information of purchases and sales of enterprises on B2B, B2C and other trading platforms. The trend of its transformation directly reflects the economic benefits, management level, and development prospects of enterprises. [0004] Existing technology and defects: the majority of small and medium-sized e...

AI Technical Summary

Problems solved by technology

[0004] Existing technology and defects: the majority of small and medium-sized enterprises rarely deal with financial institutions, so there is little or no credit information in the central bank, and at the same time, the management of enterprises is not standardized. Institutional inspections of corporate benefits, management levels, and development prospects have set up serious obstacles. Financial institutions are unwilling to issue credit loans to SMEs based on cost and risk control considerations.

Some microfinance companies and commercial banks have made some innovations in credit. In addition to looking at the financial statements of the company, they issue credit loans by monitoring the normal operation of the company by knowing the water meter and electricity meter of the company. For enterprises, the cost of cheating is low, the cost of pre-loan investigation is high, and the risks in the loan are difficult to control and cannot be promoted on a large scale

Images