Poverty alleviation loan management system

Abstract

The invention provides a poverty alleviation loan management system which comprises a server, a file sharing library and a block chain network. The server is used for user authority controlling, credit loan discount logic processing, data interaction with the block chain network, calling of a smart contract and data storage. The file sharing library is used for sharing file. The block chain network is used for performing evidence storing management on information flow, approval flow and fund flow in poverty alleviation loan; performing data exchange of cross-domain applications with a block chain, performing logic execution between cross-domain applications with the smart contract, and completing data transfer and process flow in the poverty alleviation loan between a plurality of participants; and realizing access authority controlling of data and interface on the chain. According to the system, the information flow, the fund flow and the approval flow of the poverty alleviation process are better monitored, and violation of laws and rules and policy arbitrage behaviors caused by information asymmetry are reduced.

Description

technical field [0001] The invention relates to a poverty alleviation loan management system. Background technique [0002] There is a significant difference between poverty alleviation loans and ordinary loans. [0003] On the process: [0004] 1. Before the loan is initiated, the poverty alleviation loan needs to be collected by the village committees in each jurisdiction, and submitted to the higher-level poverty alleviation office and other relevant government agencies for approval. Only those on the poverty alleviation list determined are eligible to apply for the poverty alleviation loan. [0005] 2. After the lender applies, it needs to be approved by the Poverty Alleviation Office before granting poverty alleviation loans. [0006] 3. Every period of time, it is necessary to apply for poverty alleviation discount loans from relevant government agencies. During this period, the government may reconfirm the qualifications of the poverty alleviation targets, and the o...

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Problems solved by technology

[0006] 3. Every period of time, it is necessary to apply for poverty alleviation discount loans from relevant government agencies. During this period, the government may reconfirm the qualifications of the poverty alleviation targets, and the original poverty alleviation targets may be disqualified

[0015] First of all, the above invention does not realize the management of the whole process of poverty alleviation loans. The management of poverty alleviation loans includes the identification of poverty alleviation targets, application for poverty alleviation loans, management of poverty alleviation loans, application for discounted interest on poverty alleviation loans, etc., and the above inventions focus more on confirmation of poverty alleviation loans and In the application process, there is no answer to the whole process management of poverty alleviation loans;

[0016] Secondly, it does not provide solutions to problems such as complex approval process, risk monitoring, information asymmetry, and difficult supervision in the management of poverty alleviation loans;

[0017] Finally, for the actual landing scenario, the above invention does not provide solutions for multi-user roles involved in poverty alleviation loans, data intercommunication between multi-organizations, trusted data interaction with existing systems, and cross-domain execution of logic. solution

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