Supply chain finance multi-level credit enhancement method based on a block chain

Abstract

The invention discloses a supply chain finance multi-level credit enhancement method based on a block chain, which is characterized by comprising the following steps of: S1, establishing a block chainbusiness service platform of a supply chain financial service alliance chain; s2, dividing different node accounting authorities; s3, obtaining related information of accounts receivable of the coreenterprise; s4, based on an intelligent contract technology, generating a creditor's right certificate according to the receivable account; s5, the owner of the creditor's right voucher finances to the financial institution through the creditor's right voucher, or pays the account payable by the upstream supplier; and S6, after the account receivable time expires, the intelligent contract is triggered, and account transfer of the fixed path is automatically completed. A supply chain financial trust mechanism which does not need trust of all parties is constructed, information can be safely shared, and transaction accounts can be freely transacted. Meanwhile, the concept of creditor's right vouchers is provided, and financing credit of multi-level suppliers is increased. The payment path issolidified through the smart contract, so that the risk can be controlled.

Description

technical field [0001] The invention relates to the technical field of supply chain finance, and more specifically, to a blockchain-based multi-level credit enhancement method for supply chain finance. Background technique [0002] Supply chain finance is a financing method that serves the upstream and downstream suppliers of core enterprises in the supply chain. Traditional supply chain finance takes advantage of the credit granting advantages of core enterprises and uses undue transaction accounts between core enterprises and suppliers as a basis to help upstream Downstream suppliers with financing difficulties apply to financial institutions for financing to purchase raw materials required for transactions with core companies. When the transaction account is due, the supplier will pay the corresponding account to the financial institution according to the contract to complete the entire financing process. Supply chain finance utilizes the trust of financial institutions ...

AI Technical Summary

Problems solved by technology

[0018] In order to solve the above problems, the present invention proposes a blockchain-based multi-level credit enhancement method for supply chain finance, which solves the difficulties in evaluating the solvency of enterprises in traditional supply chain finance, the difficulty in verifying the authenticity of the transaction itself, and the fact that information is separated from each other and cannot be shared , performance risks cannot be effectively controlled, etc.

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