Factoring financing method, system and device based on blockchain, and storage medium

Abstract

The invention discloses a factoring financing method, system and device based on blockchain, and a storage medium, and the method comprises the steps that a core enterprise and a financing enterprisesign a trade contract and generate receivables, the enterprise credit, trade contract and receivables information are registered to the blockchain, and the financing enterprise initiates a factoring financing business application to a factoring company; the factoring company signs a factoring agreement with the financing enterprise after auditing is passed, the financing enterprise transfers the receivables to the factoring company and registers the factoring agreement and receivables transfer transaction information to the blockchain, the factoring company can directly issue financed capitalor transfer receivables to a bank, and the bank issues financed capital after bill auditing is errorless, and after the receivables expire, the financing enterprise repays money, and various types oftransaction information is registered to the blockchain in the process. According to the invention, online management of factoring and financing services is realized through the blockchain technology,the security and efficiency of factoring and financing are improved, and the problems of difficult financing and low financing efficiency of upstream and downstream enterprises of a supply chain aresolved.

Description

technical field [0001] The invention belongs to the fields of computer systems and block chains, and in particular relates to a block chain-based factoring financing method, system, equipment and storage medium. Background technique [0002] With the deepening of the supply-side reform and industrial transformation and development, the financing difficulties and expensive financing bottlenecks faced by small, medium and micro enterprises have gradually become prominent. As one of the main methods of supply chain accounts receivable financing, factoring still has many pain points in actual practice. First, there are isolated information islands in the supply chain, information systems between enterprises are not interoperable, and the cost of collaboration is high; second, the process of information interaction Among them, the authenticity of information such as operating conditions, financial information, and risk information of each participant and the authenticity of busin...

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to provide a factoring financing method, system, equipment and storage medium based on block chain, which is used to realize the online management of factoring financing business, improve the safety and efficiency of factoring financing, and help to solve Difficulty in financing and low financing efficiency for upstream and downstream enterprises in the supply chain

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