Loan management method and system based on block chain, and financial institution node
A technology of financial institutions and management methods, applied in the financial field, can solve the problems of shortening the loan review cycle and the inability to evaluate the authenticity of the borrower's business data, and achieve the effect of improving review efficiency, reducing communication costs, and ensuring authenticity
Pending Publication Date: 2019-11-26
上海天地汇供应链科技有限公司
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Problems solved by technology
[0004] In order to solve the problem that the above-mentioned financial institutions cannot assess the authenticity of the borrower's business data and make the loan review cycle too long, the present invention provides a blockchain-based loan management method and system, financial institution nodes, using blockchain The technology endorses the information involved in each node. Based on the characteristics of the information in the blockchain technology that cannot be tampered with or deleted, it ensures the authenticity and accuracy of the data of all parties, reduces the time cost of communication between the parties, and shortens the The cycle of loan review by financial institutions
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[0032] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the specific implementation manners of the present invention will be described below with reference to the accompanying drawings. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention, and those skilled in the art can obtain other accompanying drawings based on these drawings and obtain other implementations.
[0033] In order to make the drawing concise, each drawing only schematically shows the parts related to the present invention, and they do not represent the actual structure of the product. In addition, to make the drawings concise and easy to understand, in some drawings, only one of the components having the same structure or function is schematically shown, or only one of them is marked. Herein, "a" not only means "only one", but also means "more than one".
[0034] First of a...
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The invention discloses a loan management method and system based on a block chain, and a financial institution node, and relates to the field of finance. The loan management method comprises: when aloan application is received, acquiring service data and financial data of an applicant corresponding to the loan application through a block chain account book corresponding to the loan application;auditing the obtained business data and financial data to obtain an auditing result; and when the auditing result is that the auditing is passed, executing a loan transaction with the applicant. A financial institution node and a logistics transportation node are both located in a block chain network. The method is based on the characteristic that data in a block chain network cannot be tampered,and the credibility of the business data and the financial data stored in the block chain network is guaranteed. When the financial institution node audits the loan application of the applicant, the financial institution node only needs to check the block chain account book of the financial institution node, real and effective data can be obtained, the communication cost in the auditing process isreduced, and the auditing efficiency is improved.
Description
technical field [0001] The present invention relates to the financial field, in particular to a blockchain-based loan management method and system, and a financial institution node. Background technique [0002] Financial loan is a situation that often occurs in the operation process, and there are many small and medium-sized enterprises in the logistics industry, and financing difficulties are a major pain point. The loan process will involve the review of the borrower's credit and repayment ability by financial institutions, because of its own size Small and low credit, it is difficult to gain the trust of financial institutions, and requires the endorsement of core enterprises (such as online freight platforms). Small and medium-sized enterprises and carriers in the logistics industry may also need to apply for loans from financial institutions. [0003] For small and medium-sized logistics companies, their qualifications are generally not high, their own business data v...
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Login to View More IPC IPC(8): G06Q40/02G06Q10/06G06F16/27
CPCG06Q10/0635G06F16/27G06Q40/03
Inventor 王瑞赵婷程健何一博王敏慧
Owner 上海天地汇供应链科技有限公司