Account receivable financing loan method, equipment, medium and account receivable financing loan system based on blockchain

Abstract

The invention discloses an account receivable financing loan method based on a block chain, equipment, a medium and an account receivable financing loan system based on a block chain. The method comprises: enabling an account receivable party node to issue a financing loan demand for financing loan to the block chain, and the financing loan demand comprises account receivable information; callinga loan contract which is published by the financial institution side node and is used for carrying out loan management on the financing loan, carrying out Hash signature on the loan contract and uploading the loan contract to the block chain; and performing loan collection and hash signature on the loan issued by the financial institution side node according to the loan contract, and recording theloan collection and hash signature to the block chain. According to the account receivable financing loan method based on a block chain, the equipment, the medium and the account receivable financingloan system based on a block chain, the account receivable party carries out financing loan on the financial institution party through the block chain in an account receivable mode, all transaction processes are recorded on the block chain, signature confirmation of the account receivable party, the financial institution party and the account payable party is needed in the transaction processes,the financing efficiency and safety are improved, and the financing cost is reduced.

Description

technical field [0001] The present invention relates to the technical field of information processing, in particular to a block chain-based account receivable financing loan method, equipment, medium and system. Background technique [0002] In the field of supply chain finance, accounts receivable financing means that suppliers and other fundraisers conditionally transfer or pledge accounts receivable formed by credit sales to special financing parties such as financial institutions, so that enterprises that use credit sales Get the required funds and strengthen the turnover of funds. The accounts receivable financing model is essentially a credit financing model, which can be applied to any enterprise with accounts receivable and accounts payable. However, in the traditional accounts receivable financing model, for financing parties such as financial institutions, there is a certain risk of default due to insufficient information disclosure of small and medium-sized enter...

AI Technical Summary

Problems solved by technology

However, in the traditional accounts receivable financing model, for financing parties such as financial institutions, there is a certain risk of default due to insufficient information disclosure of small and medium-sized enterprises, and the authenticity of the information cannot be guaranteed. For example, the lender fails to repay Loans, etc.

For capital demanders such as core enterprises and upstream suppliers, due to the complicated procedures for financing with accounts receivable loans, financing efficiency is low and financing costs are high

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