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Financial borrowing deadline responsibility-free confirmation method and system based on a block chain

A blockchain and financial technology applied in the blockchain field to achieve the effect of reducing malfeasance

Inactive Publication Date: 2019-05-24
广州斯拜若科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0008] At present, there is no relevant report on the application of blockchain technology to the due diligence exemption confirmation method

Method used

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  • Financial borrowing deadline responsibility-free confirmation method and system based on a block chain
  • Financial borrowing deadline responsibility-free confirmation method and system based on a block chain
  • Financial borrowing deadline responsibility-free confirmation method and system based on a block chain

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Embodiment Construction

[0072]The present invention will be further explained and described below in conjunction with the accompanying drawings and specific embodiments of the description. For the step numbers in the embodiments of the present invention, they are only set for the convenience of illustration and description, and there is no limitation on the order of the steps. The execution order of each step in the embodiments can be performed according to the understanding of those skilled in the art Adaptive adjustment.

[0073] refer to figure 1 , the embodiment of the present invention provides a block chain-based due diligence exemption confirmation method for financial lending, including a due diligence data uploading step and a due diligence data auditing step;

[0074] The steps of uploading due diligence information include the following steps:

[0075] Upload the due diligence exemption policy document to the blockchain network;

[0076] Upload original due diligence data to the blockch...

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Abstract

The invention discloses a financial borrowing defaulting responsibility-free confirmation method and system based on a block chain. The method comprises a defaulting data uploading step and a defaulting data auditing step. Wherein the defaulting data uploading step comprises the step of uploading a defaulting responsibility-free policy file to a block chain network; uploading the original defaulting survey data to a block chain network; obtaining and storing an information fingerprint making template of the original defaulting survey data; Wherein the defaulting data auditing step comprises the steps of: according to an information fingerprint making template, calculating an information fingerprint of defaulting survey data; comparing the calculated information fingerprint with the information fingerprint of the original end-of-life survey data; And according to the comparison result, determining a defaulting survey result. Through the block chain technology, the functions of data tamper resistance and data traceability are realized, the work behaviors are reduced, and the method can be widely applied to the technical field of block chains.

Description

technical field [0001] The present invention relates to the technical field of block chains, in particular to a method and system for confirming due diligence and exemption of financial loans based on block chains. Background technique [0002] Loan is a form of credit activity in which lending platforms such as banks or other financial institutions lend monetary funds according to a certain interest rate and must be returned. That is, financial institutions release the concentrated currency and monetary funds through loans to meet social Expansion of reproduction needs supplementary funds to promote economic development. [0003] Small and medium-sized enterprises have made great contributions to economic development. At the same time, small and medium-sized enterprises have weak risk resistance and strong dependence on financial institutions. Timely access to loan financing is the key to the survival and development of small and medium-sized enterprises. Small and medium-...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06F21/64
Inventor 吴其震石宁
Owner 广州斯拜若科技有限公司