Advance payment financing method and device

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...

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