Private lending risk pre-control method based on block chain
A blockchain and risk technology, applied in the field of electronic information, can solve problems such as debt recovery, failure to submit, and insolvency of the borrower.
Inactive Publication Date: 2018-04-20
法信公证云(厦门)科技有限公司
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Problems solved by technology
[0002] Because the information of lending institutions cannot communicate with each other in traditional private lending, multiple loans often occur, which eventually leads to insolvency when the borrower repays the loan
Some unscrupulous people illegally raise funds through the disadvantages of private lending institutions, and these private lending institutions cannot submit favorable evidence to recover debts, so lenders will face various risks when lending funds
[0003] Although the loan contracts signed by the existing private lending institutions have legal effects, if the borrower defaults during the loan process, it is still necessary to protect the legitimate rights and interests of the lender through litigation. This process is complicated and long. For Lenders lose a lot of profits
[0004] Although there are many applications and systems related to private lending in the computer field, none of them can completely solve the above problems
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[0054] In order to make the purpose, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only some of the embodiments of the present invention, rather than all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0055] The embodiment of the present invention provides a block chain-based private lending risk pre-control method, such as figure 1 As shown, it is a schematic diagram of the architecture of the blockchain-based private lending risk pre-control method described in the embodiment of the present invention, including a private lending service platform and a block alliance chain composed of authoritative certification institution nodes;
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The invention discloses a private lending risk pre-control method based on block chain. The method comprises the steps that a borrowing and lending parties select an authority verification institute nodes in a block alliance chain through a private lending service platform to carry out risk pre-control; wherein the block alliance chain is composed of a plurality of authority verification institutenodes based on a predetermined alliance protocol. The block alliance chain in the method comprises three information chains: a contract information chain, a credit record information chain and a contract fulfillment information chain. The lending and borrowing parties can consciously conform to the contract in the lending process by storing the borrowing contract information, the user bad creditinformation and the contract fulfillment information. According to the method, a lending service platform is constructed on the basis of the block alliance chain, so that the risk of multiple lendingand borrowing can be prevented, and the risk of illegal gathering can be reduced, so that the interests of both lending and borrowing parties can be guaranteed.
Description
technical field [0001] The present invention relates to the field of electronic information technology, in particular to a method for pre-controlling private lending risks based on blockchain. Background technique [0002] Due to the incompatibility of information among lending institutions in traditional private lending, multiple loans often occur, which eventually leads to insolvency when the borrower repays the loan. Some unscrupulous people illegally raise funds through the disadvantages of private lending institutions, and these private lending institutions cannot submit favorable evidence to recover debts, so lenders will face various risks when lending funds. [0003] Although the loan contracts signed by the existing private lending institutions have legal effects, if the borrower defaults during the loan process, it is still necessary to protect the legitimate rights and interests of the lender through litigation. This process is complicated and long. For The inter...
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Login to View More IPC IPC(8): G06Q30/00G06Q40/02
CPCG06Q30/0185G06Q40/03
Inventor 陈艳郭文静
Owner 法信公证云(厦门)科技有限公司