Advance payment financing method and device

A prepayment and loan technology, applied in the field of financial transactions, can solve problems such as affecting the production efficiency of enterprises, low efficiency, and inability to guarantee the authenticity of information

Active Publication Date: 2019-08-20
HUNAN UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

It has the following common problems: For financial institutions, etc., the information disclosure of small and medium-sized enterprises is insufficient, and the authenticity of the information cannot be guaranteed, so there is a certain risk of default, such as failure to repay the loan, etc.
For the capital demand side (for example, the importer), the usual prepayment financing procedures are complicated, costly and inefficient, thus affecting the production efficiency of the enterprise

Method used

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  • Advance payment financing method and device
  • Advance payment financing method and device

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Embodiment Construction

[0022] In the following description, specific details such as specific system structures and technologies are presented for the purpose of illustration rather than limitation, so as to thoroughly understand the embodiments of the present invention. It will be apparent, however, to one skilled in the art that the invention may be practiced in other embodiments without these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.

[0023] In order to illustrate the technical solution of the present invention, the following describes the prior art and specific examples.

[0024] see figure 1 , figure 1 It is a schematic diagram of an advance payment financing method in the prior art. like figure 1 As shown, the prepayment financing method in the prior art mainly includes steps A, B, C, D, E, F, G, H, I, J and K:

[0025]...

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PUM

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Abstract

The embodiment of the invention provides an advance payment financing method and device, and the method comprises the steps: a financing enterprise initiates a loan application to a financial institution through advance payment corresponding to a purchasing contract signed by the financing enterprise and a supply chain core enterprise on a block chain; the financing enterprise receives the loan issued by the financial institution according to the loan contract through the block link, and transfers the loan to foreign suppliers according to the advance payment property, so that the foreign suppliers deliver goods to import agents; based on goods received by the import agent, the intelligent agreement formed by the loan contract transfers money agreed in the intelligent contract from the account of the financing enterprise and repays the money to the account of the financial institution, so that the financial institution notifies the import agent to send the goods received from the foreign supplier to the financing enterprise. According to the embodiment of the invention, the efficiency and reliability of advance payment financing can be improved.

Description

technical field [0001] The invention belongs to the technical field of financial transactions, and in particular relates to an advance payment financing method, device, terminal equipment and computer readable medium. Background technique [0002] Advance payment financing in supply chain finance means that the fundraiser (generally the importer) conditionally transfers or pledges the current assets corresponding to the purchase advance payment to a special financier (generally a financial institution), so that the advance payment Enterprises that use cash procurement as the method obtain the required funds and strengthen the turnover of funds. The advance payment financing model is essentially a credit financing model that can be applied to any enterprise that has an advance payment in the supply chain. It has the following common problems: For financial institutions, etc., the information disclosure of small and medium-sized enterprises is insufficient, and the authentici...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/28G06Q20/38G06Q40/02G06Q40/04
CPCG06Q20/28G06Q20/3825G06Q20/389G06Q40/04G06Q40/03
Inventor 马超群张利维周中定李信儒
Owner HUNAN UNIV
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