Consumption financial risk management method based on block chain and cloud platform

A risk management and block chain technology, applied in the block chain-based consumer financial risk management method and cloud platform field, can solve the problems of untimely information synchronization, information tampering, etc., to improve scale efficiency, ensure accuracy and consistency Sexuality, the effect of reducing the chance of tampering

Pending Publication Date: 2020-05-19
中证信用云科技(深圳)有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to provide a block chain-based consumer financial risk management method and cloud platform, aiming to solve the problem that personal cons

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  • Consumption financial risk management method based on block chain and cloud platform
  • Consumption financial risk management method based on block chain and cloud platform
  • Consumption financial risk management method based on block chain and cloud platform

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Embodiment Construction

[0043] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the drawings in the embodiments of the present invention.

[0044] see figure 1 , figure 1 It is a schematic flowchart of a blockchain-based consumer financial risk management method provided by an embodiment of the present invention. Specifically, the block chain-based consumer financial risk management method may include the following steps:

[0045] S101. The hyperledger-based chaincode verification cycle management data specification.

[0046] In the embodiment of the present invention, please refer to figure 2, the cycle management data specification includes customer acquisition, credit granting, credit enhancement, lending, repayment, compensation, repurchase, asset securitization, and the customer acquisition is the cost and channel for acquiring customers; the credit granting refers to commercial bank Funds provided direc...

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Abstract

The invention discloses a consumption financial risk management method based on a block chain and a cloud platform. The consumption financial risk management method based on the block chain comprisesthe steps of managing data specifications based on a chain code verification period of a super account book; obtaining a loan request of an asset party and a lending request of a fund party, and performing matching based on the cycle management data specification stored in the block chain; obtaining auditing information of a credit enhancement party for the asset party and the fund party, and recording the auditing information to a block chain; and obtaining loan contract confirmation documents of the asset party and the fund party, and recording collection information of the asset party and lending information of the fund party to a block chain. Loan requests of asset parties and lending requests of fund parties are matched, information is recorded in a block chain, information trust is achieved, information synchronization is timely, and the information cannot be tampered.

Description

technical field [0001] The invention relates to the financial field, in particular to a blockchain-based consumer financial risk management method and a cloud platform. Background technique [0002] As we all know, the content on the traditional ledger must be unique, which leads to the natural centralized behavior of bookkeeping. This is true in the era of underdeveloped communication means, and it is also true in today's information age. However, centralized bookkeeping has some obvious weaknesses: once there is a problem with the center, such as being tampered with or damaged, the entire system will face a crisis or even collapse. [0003] In the field of personal consumption finance, the shortcomings of traditional ledgers are more obvious. In the transaction structure of personal consumption credit projects, there are usually three parties: the asset party, the capital party, and the credit enhancement party. Personal consumption credit data needs to be circulated and ...

Claims

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Application Information

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IPC IPC(8): G06Q10/10G06Q40/02G06F16/27G06F21/62G06F21/64
CPCG06Q10/10G06F16/27G06F21/6218G06F21/64G06Q40/03
Inventor 赵宇张凯辉彭少俊杨志峰焦堃
Owner 中证信用云科技(深圳)有限公司
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