A financing mode method based on blockchain credit currency or digital storage

Abstract

A financing mode method based on block chain credit currency or digital storage comprises the following steps: firstly, collecting and integrating information of a financing party to obtain industrialdata; Evaluating the industrial data; The risk control guarantee mechanism receives the financing demand application from the platform, carries out offline investigation and evaluation on the financing party, and determines whether a financing condition is met or not; if the financing requirement condition is met, a guarantee and insurance contract is signed, the financing party pays related fees, the financing party needs to apply for a block chain initial account, then a digital certificate transaction or a credit coin transaction is selected according to own requirements, and transaction rules agreement firstly pays digital certificates or credit coins to a platform party to be delivered by a supplier; After the financing party confirms that the receipt is correct, the digital certificate or credit coin is transferred to the supplier for payment or credit coin receiving through the platform, and the combined methods such as risk control guarantee agencies (or financial institutions), earlier compensation funds or insurance and the like are combined and utilized, so that the purposes of reducing financing cost and improving efficiency are achieved.

Description

technical field [0001] The invention belongs to the field of financial financing, in particular to a financing model method based on block chain credit currency or digital deposit certificate. Background technique [0002] Difficulties, expensive financing, and slow financing still exist for small, medium and micro enterprises, and financial support for the real economy is still insufficient. The important reason behind this phenomenon is that there is still a relatively serious information asymmetry between financial institutions and real enterprises, and the information that the real economy can provide is not enough to support financial investment decisions. It is difficult for financial institutions to accurately obtain the real business information of real enterprises. The process of building trust between financial institutions and real enterprises is relatively tortuous, and the credit management costs and risk premiums for small, medium and micro enterprises are rela...

AI Technical Summary

Problems solved by technology

[0005] The present invention provides a new financing mode method based on credit currency or digital certificate deposit, which is used to solve the problem of low financing rate of the entire industrial chain due to the limitation of the comprehensive ability of the industrial chain data and the difficulty of mutual trust between enterprises in the existing block chain technology. The industrial chain cannot play its credit role, and at the same time, it also restricts technical issues such as the coordinated development of the industrial chain financial ecosystem

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