Supply chain financial service method based on block chain

Abstract

The invention relates to a supply chain financial service. The invention particularly relates to a supply chain financial service method based on a block chain. The method includes: based on the blockchain technology, building a double-chain structure supply chain financial service platform in which multiple users participate; deploying an intelligent contract at a node on the chain; when a usercarries out an operation which influences double-chain state information, recording the changed double-chain state information; and enabling the fund party to grant credit to the core enterprise according to the changed double-chain state information; enabling a core enterprise to grants credit to the downstream small and medium-sized enterprises according to the changed double-chain state information, confirm financing requirements of the downstream small and medium-sized enterprises, record the financing requirements of the downstream small and medium-sized enterprises on a distributed account book together with the financing requirements of the core enterprise, and send the distributed account book to the fund party; the technical scheme provided by the invention can effectively overcome the defects that in the prior art, an efficient and perfect financing mechanism is difficult to establish, and the capital advantages of capital parties cannot be effectively integrated for collaborative development.

Description

technical field [0001] The invention relates to supply chain financial services, in particular to a blockchain-based supply chain financial service method. Background technique [0002] Supply Chain Finance (SCF) is a professional field of commercial bank credit business (bank level), and also a financing channel for enterprises, especially small and medium-sized enterprises (enterprise level). Enterprises in the core position of the industrial chain rely on their high credit advantages to open up avenues to obtain cheap funds, and provide financing services to small and medium-sized enterprises at all levels downstream of the industrial chain to build a closer industrial chain ecosystem. [0003] In the existing supply chain finance, credit sales have become the mainstream method of transactions. It is difficult for suppliers in the upper and middle reaches of the supply chain to obtain financial support through "traditional" credit methods, and the shortage of funds will d...

AI Technical Summary

Problems solved by technology

[0005] The existing supply chain financial financing is inefficient, the supply chain financial chain is long, involves many enterprises, the data is scattered, and the information transparency is low. It is difficult to establish an efficient and perfect financing mechanism required by small and medium-sized enterprises.

[0006] The coordinated development of the existing supply chain financial ecosystem is restricted. The capital flow in the supply chain is centralized, lacks detailed support, and fails to effectively integrate the capital advantages of the capital side for coordinated development. At the same time, it is also faced with the failure to repay due situation occurs

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