A warehouse receipt pledge financing evaluation method and device based on a block chain architecture

Abstract

The invention provides a warehouse receipt pledge financing evaluation method and device based on a block chain architecture, and the method comprises the steps that a fund demand side node receives awarehouse receipt pledge financing request, and constructs an application evaluation information block according to the warehouse receipt pledge financing request; the financing cooperation platformnode carries out financing risk assessment on the warehouse receipt pledge financing request according to the application assessment information block, and constructs a financing risk assessment result information block according to a financing risk assessment result; the fund demander node constructs a financing submission confirmation information block according to the financing risk assessmentresult information block; and the fund provider node constructs a financing result information block according to the financing submission confirmation information block and the financing risk assessment result information block, and adds the financing result information block into the blockchain. According to the technical scheme, the safety and efficiency of warehouse receipt pledge financing evaluation are improved, and the development of warehouse receipt pledge financing business is greatly promoted.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a warehouse receipt pledge financing evaluation method based on a block chain architecture. Background technique [0002] Warehouse receipt (Warehouse receipt) is a certificate issued by the custodian to the depositor to pick up the warehoused goods after receiving the warehoused goods. In addition to being used as a proof of receipt of warehoused goods and a proof of withdrawal of warehoused goods, the warehouse receipt can also transfer the ownership of the goods under the warehouse receipt through endorsement, or be used for pledge. After the depositor endorses the warehouse receipt and the custodian signs or seals it, the transfer of the warehouse receipt becomes effective. The depositor who pledges the warehouse receipt shall sign a pledge contract with the pledgee, endorse the warehouse receipt and sign or seal it with the custodian, and the pledge right shall beco...

AI Technical Summary

Problems solved by technology

Cross-agency and cross-enterprise processes cannot be automated, slow and inefficient, and cannot adapt to the evolving needs of warehouse receipt pledge financing business

The data among the warehouse receipt pledge financing participants is not transparent. Therefore, it is easy to tamper with data during the evaluation process of warehouse receipt pledge financing, and the data cannot be traced.

[0005] To sum up, the existing warehouse receipt pledge financing evaluation scheme is low in security and efficiency, resulting in limited warehouse receipt pledge financing business

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