Financing verification method based on block chain

Abstract

The invention provides a financing verification method based on a block chain, and belongs to the field of block chains. The financing verification method comprises the following steps: authorizing aspecified public key as an authentication center of a management user through an authorization system on a block chain, wherein the authentication center is used for verifying the identity of a targetloan user; after the verification is passed, the authentication center publicizes the identity information of the target loan user and a set reward rule; in the publicity period, the authentication center receives asset and credit information related to the target loan user and provided by each information providing platform on the blockchain, and a wallet address and a private key for storing guarantee money; and the authentication center determines the loan limit according to the asset and credit information provided by the information providing platform and the guarantee money. According to the financing verification method based on the block chain, the financing efficiency can be improved and the transaction risk can be reduced.

Description

technical field [0001] The invention relates to the field of block chains, in particular to a financing verification method based on block chains. Background technique [0002] Trade financing is the use of structured short-term financing tools by banks to provide financing for counterparties based on goods and accounts in commodity transactions. It is one of the most important businesses in banking. For example, Company A applies for trade financing to Bank B. After reviewing the transaction contract and financial documents and other related content, Bank B will issue a trade loan to Company A if it confirms that it meets the loan requirements. [0003] In the above process, because the bank needs to review the applicant's production and operation status and the status of the collateral, trade financing has problems such as complicated and cumbersome verification process, poor timeliness and opaque information. Banks need to verify a large amount of information, data and f...

AI Technical Summary

Problems solved by technology

[0003] In the above process, because the bank needs to review the applicant's production and operation status and the status of the collateral, trade financing has problems such as complicated and cumbersome verification process, poor timeliness and opaque information.

Banks need to verify a large amount of information, data and funds of both parties to the transaction. Due to the single source of information of the parties involved in the transaction, the information is opaque and incomplete. It is difficult to match high-quality small and medium-sized enterprises, which also leads to low financing efficiency and difficulty in financing for small and medium-sized enterprises

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