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Alliance type non-performing asset block chain

A blockchain and non-performing technology, applied in the field of blockchain, can solve the problems of non-performing asset transaction information asymmetry and efficiency

Pending Publication Date: 2021-05-14
华融融通(北京)科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to design a consortium-type non-performing asset blockchain and storage, privacy protection, and consensus methods based on the blockchain to solve the problems of information asymmetry and efficiency in non-performing asset transactions

Method used

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  • Alliance type non-performing asset block chain
  • Alliance type non-performing asset block chain
  • Alliance type non-performing asset block chain

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0095] Such as figure 1 As shown, an alliance-type non-performing asset blockchain system, the transaction process of the alliance-type non-performing asset blockchain system is as follows:

[0096] S1, data processing

[0097] Large file data such as pictures of non-performing asset packages are first stored in a distributed database, and then stored on the blockchain after hashing; professional due diligence agencies use the Content Extraction Signature (CES) algorithm to sign the due diligence information of non-performing assets, Then send the signature to the bank, the bank can hide (rather than tamper with) the sensitive due diligence information, generate an effective extraction signature, and finally send the desensitized due diligence information to the AMC that requested access;

[0098] S2, construct bad asset package block

[0099] In the present invention, the block stores bad asset package information, including the following data structure:

[010...

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PUM

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Abstract

The invention discloses an alliance type non-performing asset block chain and storage, privacy protection and consensus methods based on the block chain. The method comprises the following steps: (1) a storage method for storing a hash value of picture data on a chain; (2) a privacy protection method for controlling access authority and data hiding, comprising a privacy protection model for controlling the access authority of an organization to each database and a privacy data protection method based on CES, and selectively and verifiably hiding privacy data through content extraction signatures; (3) a Fabric consensus optimization scheme based on VRF is adopted, and Leader election is controlled by setting Listener; the method has the advantages that the problems of information asymmetry and efficiency of the non-performing asset market are solved, the privacy security of non-performing asset transaction is guaranteed, the Fabric consensus is improved, and the security and the resource utilization rate of the non-performing asset transaction can be improved.

Description

technical field [0001] The invention relates to a block chain, in particular to an alliance-type non-performing asset block chain and storage, privacy protection, and consensus methods based on the block chain, belonging to the field of block chains. Background technique [0002] Non-performing assets mainly refer to financial assets generated during the credit business of financial institutions that cannot bring normal interest income or even recover the principal. Most of my country's non-performing assets come from banking financial institutions and state-owned enterprises, and are transferred to state-owned asset management companies (AMCs) such as Huarong, Cinda, and Great Wall, which are responsible for disposal. In the primary market for non-performing asset transactions, banks, as non-performing asset owners, sell non-performing assets, and AMCs, as non-performing asset disposers, purchase non-performing assets. This kind of financial transaction is often realized ba...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q30/08G06F21/60G06F21/62G06F21/64
CPCG06Q30/08G06F21/6245G06F21/64G06F21/602G06Q40/03
Inventor 王春源傅湘玲杨欣勇陈松龄司洪超王菲苗丛
Owner 华融融通(北京)科技有限公司
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