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Method used for financial data sharing, device used for financial data sharing and electronic device

A financial data and data technology, applied in finance, data processing applications, instruments, etc., can solve the problems of many participants, complex structure, and the authenticity of underlying assets cannot be guaranteed, and achieve the effect of ensuring authenticity.

Inactive Publication Date: 2017-07-28
JINGDONG TECH HLDG CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] 1. The authenticity of the underlying assets cannot be guaranteed
[0005] 2. If there is a problem with the consumer finance company itself, no one will solve the follow-up problems of the borrower's repayment
[0006] 3. Asset securitization products are characterized by complex structures, many participants, many operating links, long data transmission chains, and complicated data and cash flow distribution processes. It is difficult for investors and intermediaries to penetrate the bottom layer to grasp risks
[0007] These three pain points determine that although Internet consumer finance companies have strong asset production capabilities, it is difficult for them to be recognized by low-cost capital parties, so they can only choose higher-cost funding sources, which limits their development.

Method used

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Embodiment Construction

[0036] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus their repeated descriptions will be omitted.

[0037] Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the invention. However, those skilled in the art will appreciate that the technical solutions of the present invention may be practiced without one or more of the ...

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Abstract

The application discloses a method used for the financial data sharing, a device used for the financial data sharing and an electronic device. The method comprises the steps of generating the first block data according to the financial asset data; according to the first block data and the audit data, generating the second block data; according to the second block data and the payment data, generating the third block data; issuing the third block data to finish the financial data chain code deployment. The method used for the financial data sharing, the device used for the financial data sharing and the electronic device which are disclosed by the application can guarantee the authenticity of the underlying data of the asset securitization service providers.

Description

technical field [0001] The present invention relates to the field of financial data analysis and processing, in particular to a method, device and electronic equipment for sharing financial data. Background technique [0002] Asset-backed securities (ABS) refer to the financial activities of issuing securities based on the stable cash flow that can be generated by the underlying assets in the future, credit enhancement through standardized product design. Since the asset securitization business changed from the review system to the filing system in 2014, the market has grown rapidly, and it has reached a stock size of nearly 2 trillion yuan. The asset securitization business can fully optimize the asset structure of financial institutions, reduce the systemic risk of the financial market, release the loan scale of financial institutions, improve their capital adequacy ratio, and bring great benefits in improving the profit model of financial institutions and accelerating the...

Claims

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Application Information

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IPC IPC(8): G06Q40/06
CPCG06Q40/06
Inventor 郝延山谢锦生龙旻明杜衡
Owner JINGDONG TECH HLDG CO LTD
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