Financing credit guarantee method and system based on multi-source data block chain tamper prevention

Abstract

The invention discloses a financing credit guarantee method and system based on multi-source data block chain tamper prevention. The method comprises the following steps of: uploading evaluation information: uploading enterprise operation information evaluated by a third-party certification authority to a block chain; collaborative manufacturing order data uploading: uploading the order data in the collaborative manufacturing process to the block chain; financing credit guarantee: submitting a financing application to the block chain, and granting access permission to the block chain; financing decision: carrying out financing judgment; determining financing and generating a financing contract to the block chain; determining a financing contract; the invention aims to provide a financing credit guarantee method and system based on multi-source data block chain tamper prevention. The authenticity of the multi-source data is guaranteed through the block chain, the multi-source data provides credit guarantee for financing of small and medium-sized enterprises, and the problems that financing is difficult, financing time is long, financing processes are complex and bank financing costis high due to the fact that credit of the small and medium-sized enterprises in a collaborative manufacturing mode cannot be guaranteed are solved.

Description

technical field [0001] The present invention relates to the technical field of block chain finance, in particular to a method and system for guaranteeing financing credit based on multi-source data block chain tamper-proof. Background technique [0002] At present, the manufacturing industry is developing in the direction of informationization, serviceization and socialization. The cloud interconnection between enterprises and various resources, personalized production, and collaborative manufacturing are becoming catalysts to stimulate the vitality and value-added of the manufacturing industry. Small and medium-sized enterprises have poor anti-risk capabilities, and large fluctuations in orders and capital chains will have a great impact on their operating conditions. At the same time, due to their poor strength and poor informatization, it is difficult for small and medium-sized enterprises to obtain financial support from banks through "traditional" credit methods, and th...

AI Technical Summary

Problems solved by technology

[0005] The purpose of the present invention is to propose a tamper-proof financing credit guarantee method and system based on the multi-source data block chain, which uses the block chain to ensure the authenticity of the multi-source data, and the multi-source data provides credit guarantee for the financing of small and medium-sized enterprises, and solves the problem of synergy. Financing difficulties, long financing time, complex financing process and high bank financing costs caused by the lack of credit guarantee of small and medium-sized enterprises under the manufacturing model