Insurance exchange warehouse financing system and method based on block chain

Abstract

The invention discloses an insurance exchange warehouse financing system and method based on a block chain, and the system takes bank credit as a carrier, takes a bank acceptance bill as a settlementtool, controls the right of goods through the signing and issuing of a lading bill by a bank under the condition that a supplier commits the purchase, and builds an industrial network for the symbiotic development between the supplier and a downstream dealer. A dealer pays cash deposit to a bank and the bank issues an acceptance bill, comprehensive financial services such as fund financing, payment settlement and process optimization are provided for a downstream dealer, bill information, delivery bill information and cash deposit information are stored through block chain nodes, and rapid confirmation and real-time sharing synchronization of all participants of a system platform are achieved. According to the invention, the insurance exchange warehouse financing based on the blockchain technology is realized, the dealers can purchase in batches to obtain price preferences, and the modes of slack season payment and high-temperature season sales of the dealers are realized.

Description

technical field [0001] The invention belongs to the field of blockchain finance, and in particular relates to a blockchain-based confirmation warehouse financing system and method. Background technique [0002] In my country's economic and trade activities, the problem of capital imbalance in the supply chain has a long history and has become a major problem affecting China's economic efficiency. The situation that the core enterprise defaults on the payment to the upstream enterprise and the downstream enterprise is required to prepay the account has led to the frequent blockage of the funds of the upstream and downstream enterprises, and these disadvantaged enterprises are difficult to obtain from banks and other financial institutions through real estate mortgages due to the lack of fixed assets. loan. [0003] When distributors need to purchase goods in batches, upstream suppliers also have insufficient funds to purchase raw materials for mass production. After the ban...

AI Technical Summary

Problems solved by technology

It is difficult to judge the credit risk of dealers, which makes it more difficult for banks to grant loans to dealers

[0004] In the entire industrial chain, the ERP systems of participating enterprises are not completely interoperable. Except for some large enterprises, other small and medium-sized enterprises have a low degree of informatization, trade information cannot be shared in real time, and the authenticity of transactions is difficult to effectively verify. , which further increases the difficulty of obtaining credit support from financial institutions

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