Credit-increasing financing platform system and method based on block chain, and storage medium

A blockchain and platform technology, applied in the field of corporate financing, which can solve the problems of false and false data, insufficient financing security, and large financing amount.

Inactive Publication Date: 2020-09-18
SHENZHEN QIANHAI DIANJIN FACTORING CO LTD
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  • Abstract
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  • Claims
  • Application Information

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Problems solved by technology

[0003] Since the production and operation data is provided by the enterprise itself, there may be errors and false data in it, which makes the financing amount determined by the financial institution based on the financing amount evaluation software too large, the result of the financing amount evaluation software output is inaccurate, and the financing is not safe enough

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  • Credit-increasing financing platform system and method based on block chain, and storage medium
  • Credit-increasing financing platform system and method based on block chain, and storage medium
  • Credit-increasing financing platform system and method based on block chain, and storage medium

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Embodiment Construction

[0041] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0042] The embodiment of the present invention provides a solution to lock the transaction data through blockchain technology, which cannot be tampered with, traceable, and credible, and evaluates the financing amount according to the real transaction data, avoiding the false situation of enterprise transaction data, and establishing a more reliable credit enhancement financing platform.

[0043] Such as figure 1 as shown, figure 1 It is a schematic diagram of the terminal structure of the hardware operating environment involved in the solution of the embodiment of the present invention.

[0044] The terminal in the embodiment of the present invention may be a terminal device such as a PC, and the terminal device includes a block chain framework platform.

[0045] Such as figure 1 As shown, the terminal may includ...

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Abstract

The invention discloses a credit-increasing financing platform system and method based on a block chain, and a storage medium, the block chain platform obtains a target transaction bill correspondingto a target enterprise from transaction bills stored in a credit management platform, and when a node in the block chain completes a transaction, the transaction bill corresponding to the transactionis stored; obtaining a characteristic value of the target transaction bill in a preset dimension; obtaining a first credit score corresponding to the feature value through a big data collection, analysis and calculation credit platform, taking the sum of the first credit score, a second credit score corresponding to the blockchain platform and a third credit score guaranteed or mortgage by a thirdparty as a credit score, and determining a financing limit through the credit score; and sending the financing quota to a node corresponding to the target enterprise. According to the invention, thetransaction data is locked, cannot be tampered, traceable and credible through the blockchain technology, the financing limit is evaluated according to the real transaction data, the situation that the enterprise transaction data is false is avoided, and a more reliable credit-increasing financing platform is established.

Description

technical field [0001] The invention relates to the technical field of enterprise financing, in particular to a blockchain-based credit enhancement financing platform system, method and storage medium. Background technique [0002] When an enterprise conducts financing, the enterprise usually actively provides the production and operation data of the enterprise, and the financial institution evaluates the enterprise based on the production and operation data to determine the amount of financing that the enterprise can obtain and issue funds to the enterprise. [0003] Since the production and operation data is provided by the enterprise itself, there may be errors and false data in it, which makes the financing amount determined by the financial institution based on the financing amount evaluation software too large, the result of the financing amount evaluation software output is inaccurate, and the financing is not safe enough. [0004] The above content is only used to as...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06Q40/06G06Q10/06G06Q20/38
CPCG06Q40/04G06Q40/06G06Q10/0635G06Q10/06393G06Q20/382
Inventor 肖光昱贺小鹏巫朝华
Owner SHENZHEN QIANHAI DIANJIN FACTORING CO LTD
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