A transaction matching method and device for syndicated loan

Abstract

The present invention provides a transaction matching method and device for syndicated loans, and relates to the field of blockchain technology. The method includes: obtaining transaction orders issued by each institutional node, traversing each transaction order, and obtaining at least one initial transaction group according to the demand type, transaction time range, and transaction matching rules; according to the institutional identification included in each initial transaction group, each initial transaction group is pushed to the corresponding institutional node and the signature information of the initial transaction group returned by the institutional node corresponding to each initial transaction group is received; each signed transaction group is broadcast to the main chain network to reach a transaction consensus for each signed transaction group; the signed transaction group that passes the transaction consensus is confirmed; and the signed transaction group that passes the transaction confirmation is stored on the main chain. The device is used to execute the above method. The transaction matching method and device for syndicated loans provided by the embodiment of the present invention improve the transaction efficiency of syndicated loans.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a transaction matching method and device for syndicated loans. Background Art

[0002] As a loan model that disperses risks and shares benefits, syndicated loans are playing an increasingly important role in economic transformation and change.

[0003] Syndicated transaction matching is the primary link in organizing syndicated loans. In the existing technology, syndicated matching transactions are usually issued by the lead bank (demand side) to release matching information, and the participating banks (supply side) passively screen and communicate to reach a matching intention. Due to the information asymmetry between the lead bank and the participating banks, it takes a long time to reach a matching intention, and the transaction efficiency of syndicated loans is low. Summary of the invention

[0004] In view of the problems in the prior art, an embodiment of the present invention provides a transaction matching method and device for syndicated loans, which can at least partially solve the problems in the prior art.

[0005] In one aspect, the present invention provides a syndicated loan transaction matching method, comprising:

[0006] Obtaining the transaction order issued by each institution node, wherein the transaction order includes an institution identifier, a demand type, and a transaction time range; wherein the institution identifier corresponds to the institution node one by one;

[0007] Traversing each transaction order, obtaining at least one initial transaction group according to the demand type, the transaction time range and the transaction matching rule; wherein the initial transaction group includes a demand transaction order and a supply transaction order; and the transaction matching rule is preset;

[0008] According to the institution identification included in each initial transaction group, each initial transaction group is pushed to the corresponding institution node and the signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group is received;

[0009] Broadcasting each signed transaction group to the main chain network to conduct transaction consensus on each signed transaction group, and obtaining a signed transaction group that passes the transaction consensus; wherein the signed transaction group includes the signature information of the initial transaction group;

[0010] Confirm the signed transaction group that has passed the transaction consensus, and obtain the signed transaction group that has passed the transaction confirmation;

[0011] The signed transaction group that has passed the transaction confirmation is stored on the main chain.

[0012] In another aspect, the present invention provides a transaction matching device for syndicated loans, comprising:

[0013] An acquisition module, used to acquire the transaction order issued by each institution node, wherein the transaction order includes an institution identifier, a demand type, and a transaction time range; wherein the institution identifier corresponds to the institution node one by one;

[0014] A traversal module, used to traverse each transaction order, and obtain at least one initial transaction group according to the demand type, the transaction time range and the transaction matching rule; wherein the initial transaction group includes a demand transaction order and a supply transaction order; and the transaction matching rule is preset;

[0015] A push module, used to push each initial transaction group to a corresponding institution node according to the institution identifier included in each initial transaction group and receive signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group;

[0016] A broadcast module, used to broadcast each signed transaction group to the main chain network to conduct transaction consensus on each signed transaction group, and obtain a signed transaction group that passes the transaction consensus; wherein the signed transaction group includes the signature information of the initial transaction group;

[0017] The two transaction confirmation modules are used to confirm the signed transaction group that has passed the transaction consensus and obtain the signed transaction group that has passed the transaction confirmation;

[0018] The transaction storage module is used to store the signed transaction groups confirmed by the transaction on the main chain.

[0019] On the other hand, the present invention provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the program, the steps of the transaction matching method for syndicated loans described in any of the above embodiments are implemented.

[0020] In yet another aspect, the present invention provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the transaction matching method for syndicated loans described in any of the above embodiments.

[0021] The transaction matching method and device of syndicated loans provided by the embodiment of the present invention can obtain transaction orders including institution identification, demand type and transaction time range issued by each institution node, traverse each transaction order, obtain at least one initial transaction group according to the demand type, transaction time range and transaction matching rule, push each initial transaction group to the corresponding institution node according to the institution identification included in each initial transaction group, receive the signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group, broadcast each signed transaction group to the main chain network to perform transaction consensus on each signed transaction group, obtain the signed transaction group that passes the transaction consensus, perform transaction confirmation on the signed transaction group that passes the transaction consensus, obtain the signed transaction group that passes the transaction confirmation, store the signed transaction group that passes the transaction confirmation on the main chain, realize two-way matching of syndicated loans, reduce the search and waiting time of the matching parties, and improve the transaction efficiency of syndicated loans. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0023] Figure 1 It is a schematic diagram of the structure of a transaction matching system for syndicated loans provided in the first embodiment of the present invention.

[0024] Figure 2 It is a flowchart of a transaction matching method for syndicated loans provided in the second embodiment of the present invention.

[0025] Figure 3 It is a flowchart of a transaction matching method for syndicated loans provided in the third embodiment of the present invention.

[0026] Figure 4 It is a flowchart of a transaction matching method for syndicated loans provided in a fourth embodiment of the present invention.

[0027] Figure 5 It is a flowchart of a transaction matching method for syndicated loans provided in the fifth embodiment of the present invention.

[0028] Figure 6 It is a flowchart of a transaction matching method for syndicated loans provided in a sixth embodiment of the present invention.

[0029] Figure 7 It is a schematic diagram of the structure of a transaction matching device for syndicated loans provided by the seventh embodiment of the present invention.

[0030] Figure 8 It is a schematic diagram of the structure of a transaction matching device for syndicated loans provided in the eighth embodiment of the present invention.

[0031] Fig. 9 It is a schematic diagram of the structure of a transaction matching device for syndicated loans provided by the ninth embodiment of the present invention.

[0032] Fig.10 It is a schematic diagram of the structure of a transaction matching device for syndicated loans provided in the tenth embodiment of the present invention.

[0033] Fig.11 It is a schematic diagram of the structure of a transaction matching device for syndicated loans provided in the eleventh embodiment of the present invention.

[0034] Fig.12 It is a schematic diagram of the structure of a transaction matching device for syndicated loans provided in the twelfth embodiment of the present invention.

[0035] Fig.13 It is a schematic diagram of the physical structure of an electronic device provided by the thirteenth embodiment of the present invention. DETAILED DESCRIPTION

[0036] In order to make the purpose, technical scheme and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention. It should be noted that, in the absence of conflict, the embodiments in this application and the features in the embodiments can be combined with each other arbitrarily.

[0037] Figure 1 FIG. 1 is a schematic diagram of the structure of a transaction matching system for syndicated loans provided by an embodiment of the present invention. Figure 1 As shown, the transaction matching system for syndicated loans provided by the embodiment of the present invention includes a transaction matching node 1 and multiple institution nodes 2, wherein:

[0038] The transaction matching node 1 is respectively connected to each institution node 2 in communication. Among them, the transaction matching node 1 and each main chain node 2 can be implemented by a server.

[0039] The transaction matching node 1 is used to execute the transaction matching method for syndicated loans provided in the embodiment of the present invention. Each institution node 2 uniquely corresponds to an institution, and the institution uses the corresponding institution node 2 to issue a transaction order, and the transaction order may include information such as the institution identification, demand type, demander's quota or supplier's quota, interest rate, transaction time range, customer credit rating, and transaction order status. The institution identification corresponds to the institution one by one. The demand type includes two types: the demander and the demand supplier. The lead bank is the demander, and the participating bank is the demand supplier. The demander's quota is the amount of financing required, and the supplier's quota is the funds that can be provided. The transaction time range refers to the time interval that allows the transaction to be concluded. The higher the customer's credit rating, the better the customer's credit is, and the higher the loan amount can be; the lower the customer rating, the worse the customer's credit is, and the lower the loan amount can be. When issuing a transaction order, the institution node 2 can set the transaction order status to be matched. Among them, the institution in the embodiment of the present invention refers to commercial banks, local banks, Internet banks, trust companies, and other institutions that can issue loans.

[0040] The transaction matching node 1 and each institutional node 2 are nodes in the main chain network, and each institutional node 2 corresponds to a parallel chain.

[0041] The following takes the transaction matching node as an example of the execution subject to illustrate the specific implementation process of the transaction matching method for syndicated loans provided by the embodiment of the present invention.

[0042] Figure 2 is a flow chart of a transaction matching method for syndicated loans provided by a second embodiment of the present invention, such as Figure 2 As shown, the transaction matching method for syndicated loans provided by the embodiment of the present invention includes:

[0043] S201. Acquire a transaction order issued by each institution node, wherein the transaction order includes an institution identifier, a demand type, and a transaction time range; wherein the institution identifier corresponds to the institution node one by one;

[0044] Specifically, the institution that serves as the lead bank of the syndicated loan can publish a transaction order through the institution node. The transaction order may include information such as the institution identification, demand type, demander quota, transaction time range, customer credit rating, and transaction order status. The demand type is the demand proposer. The demander quota is equal to the total amount of syndicated financing minus the amount of the lead bank loan, that is, the total amount distributed to other syndicated loan members. Each institution can publish a transaction order through the institution node. The transaction order may include information such as the institution identification, demand type, provider quota, transaction time range, customer credit rating, and transaction order status. The demand type is the demand provider. The transaction matching node can receive the transaction orders issued by each institution node. Among them, the institution identification corresponds to the institution node one by one.

[0045] S202, traversing each transaction order, and obtaining at least one initial transaction group according to the demand type, the transaction time range, and the transaction matching rule; wherein the initial transaction group includes a demand transaction order and a supply transaction order; and the transaction matching rule is preset;

[0046] Specifically, the transaction matching node will traverse each transaction order, pair each transaction order according to the demand type, the transaction time range and the transaction matching rule, and obtain multiple initial transaction groups, which include demand transaction orders and supply transaction orders. The demand transaction order is a transaction order issued by the lead bank, and the demand type is the demand proposer; the demand type of the supply transaction order is the demand supplier. The transaction matching rule is preset and is set according to actual needs, and the embodiment of the present invention does not limit it.

[0047] For example, the transaction matching rule includes that the demand types of the two transaction orders are opposite and the transaction time ranges of the two transaction orders match. If the demand types of the two transaction orders are opposite and the transaction time ranges match, then the two transaction orders form an initial transaction group.

[0048] S203. According to the institution identification included in each initial transaction group, push each initial transaction group to the corresponding institution node and receive the signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group;

[0049] Specifically, for each initial transaction group, the transaction matching node obtains the institutional identification of the demand transaction form and the institutional identification of the supply transaction form from the demand transaction form and the supply transaction form included in the initial transaction group, and then pushes the initial transaction group to the institutional node corresponding to the institutional identification of the demand transaction form and the institutional node corresponding to the institutional identification of the supply transaction form. After receiving the initial transaction group, the institutional node corresponding to the institutional identification of the demand transaction form can sign the received initial transaction group through a private key to obtain the signature information of the demand party, and then return the signature information of the demand party to the transaction matching node. Similarly, after receiving the initial transaction group, the institutional node corresponding to the institutional identification of the supply transaction form can sign the received initial transaction group through a private key to obtain the signature information of the supplier, and then return the signature information of the supplier to the transaction matching node. The transaction matching node receives the signature information of the demand party corresponding to the demand transaction form and the signature information of the supplier corresponding to the supply transaction form as the signature information of the initial transaction group. The transaction matching node repeats the above process continuously to obtain the signature information of each initial transaction group.

[0050] S204, broadcasting each signed transaction group to the main chain network to perform transaction consensus on each signed transaction group, and obtaining a signed transaction group that passes the transaction consensus; wherein the signed transaction group includes the signature information of the initial transaction group;

[0051] Specifically, the transaction matching node broadcasts each signature transaction group to the main chain network, so that each institutional node in the main chain network can reach a transaction consensus on each signature transaction group. Each institutional node will return the transaction consensus result to the transaction matching node, and the transaction matching node will determine whether each signature transaction group has passed the transaction consensus based on the transaction consensus result returned by each institutional node, and obtain the signature transaction group that has passed the transaction consensus. Among them, the signature transaction group includes the signature information of the initial transaction group. The consensus mechanism adopted by the transaction consensus is set according to actual needs, and the embodiment of the present invention does not limit it.

[0052] S205. Confirm the transaction of the signed transaction group that has passed the transaction consensus, and obtain the signed transaction group that has passed the transaction confirmation;

[0053] Specifically, the transaction matching node will send the signed transaction group that has passed the transaction consensus to the corresponding institutional node for transaction confirmation, and obtain the signed transaction group that has passed the transaction confirmation based on the transaction confirmation result of the signed transaction group that has passed the transaction consensus.

[0054] S206. Store the signed transaction group that has passed the transaction confirmation on the main chain.

[0055] Specifically, after obtaining the signed transaction group that has passed the transaction confirmation, the transaction matching node performs storage consensus on the signed transaction group that has passed the transaction confirmation through the storage consensus mechanism, and stores the signed transaction group that has passed the storage consensus in the form of a block on the main chain. Among them, the storage consensus mechanism is preset and is set according to actual needs, and the embodiment of the present invention does not limit it.

[0056] The transaction matching method for syndicated loans provided by the embodiment of the present invention can obtain transaction orders including institution identification, demand type and transaction time range issued by each institution node, traverse each transaction order, obtain at least one initial transaction group according to the demand type, transaction time range and transaction matching rule, push each initial transaction group to the corresponding institution node according to the institution identification included in each initial transaction group, receive the signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group, broadcast each signed transaction group to the main chain network to perform transaction consensus on each signed transaction group, obtain the signed transaction group that passes the transaction consensus, perform transaction confirmation on the signed transaction group that passes the transaction consensus, obtain the signed transaction group that passes the transaction confirmation, store the signed transaction group that passes the transaction confirmation on the main chain, realize two-way matching of syndicated loans, reduce the search and waiting time of the matching parties, and improve the transaction efficiency of syndicated loans.

[0057] Figure 3 : is a flow chart of a transaction matching method for syndicated loans provided in the third embodiment of the present invention. Figure 3 As shown, on the basis of the above embodiments, further, broadcasting each signature transaction group to the main chain network to perform transaction consensus on each signature transaction group, and obtaining the signature transaction group that passes the transaction consensus includes:

[0058] S301, broadcasting the signature transaction group to the main chain network, so that other institutional nodes corresponding to the signature transaction group reach a consensus on the signature transaction group; wherein the other institutional nodes corresponding to the signature transaction group are institutional nodes in the main chain network other than the institutional nodes corresponding to the signature transaction group;

[0059] Specifically, the transaction matching node broadcasts the signature transaction group to the main chain network, and each institutional node can receive the signature transaction group and decrypt the signature transaction group. The other institutional nodes corresponding to the signature transaction group can reach a consensus on the signature transaction group based on the information obtained by decryption, and then return the transaction consensus result to the transaction matching node, and the transaction consensus result is that the transaction verification passes or the transaction verification fails. Among them, the other institutional nodes corresponding to the signature transaction group are institutional nodes in the main chain network other than the institutional nodes corresponding to the signature transaction group.

[0060] For example, other institutional nodes corresponding to the signature transaction group can decrypt the signature transaction group through the public key of the institutional node corresponding to the signature transaction group, that is, decrypt the signature information of the demander included in the signature transaction group through the structural node corresponding to the demand transaction order to obtain the first initial transaction group, and decrypt the signature information of the supplier included in the signature transaction group through the structural node corresponding to the supply transaction order to obtain the second initial transaction group, and then compare the first initial transaction group and the second initial transaction group. If the first initial transaction group and the second initial transaction group are the same, then the transaction consensus result obtained is that the transaction verification is passed, and if the first initial transaction group and the second initial transaction group are not the same, then the transaction consensus result obtained is that the transaction verification is not passed. Among them, the public key of the institutional node is preset and pre-broadcasted to the main chain network.

[0061] For example, other institutional nodes corresponding to the signature transaction group can decrypt the signature transaction group through the public key of the institutional node corresponding to the signature transaction group, that is, decrypt the demander's signature information included in the signature transaction group through the structural node corresponding to the demand transaction order to obtain the first initial transaction group, and decrypt the supplier's signature information included in the signature transaction group through the structural node corresponding to the supply transaction order to obtain the second initial transaction group, and then compare the first initial transaction group and the second initial transaction group. If the first initial transaction group and the second initial transaction group are the same, then match the demand transaction order of the first initial transaction group with the local transaction order, and match the supply transaction order of the first initial transaction group with the local transaction order.

[0062] If there is a local transaction order that matches the above-mentioned demand transaction order, then the customer credit rating is obtained from the above-mentioned demand transaction order, and the customer credit rating of the above-mentioned demand transaction order is compared with the customer credit rating of the matching local transaction order to obtain a first customer credit rating comparison result. The first customer credit rating comparison result is a high local customer credit rating or a low local customer credit rating. A high local customer credit rating means that there is at least one matching local transaction order whose customer credit rating is higher than the customer credit rating of the above-mentioned demand transaction order; a low local customer credit rating means that the customer credit ratings of all matching local transaction orders are not higher than the customer credit rating of the above-mentioned demand transaction order.

[0063] If there is a local transaction order that matches the above-mentioned supply transaction order, then the customer credit rating is obtained from the above-mentioned supply transaction order, and the customer credit rating of the above-mentioned supply transaction order is compared with the customer credit rating of the matching local transaction order to obtain a second customer credit rating comparison result. The second customer credit rating comparison result is a high local customer credit rating or a low local customer credit rating. A high local customer credit rating means that there is at least one matching local transaction order with a higher customer credit rating than the customer credit rating of the above-mentioned supply transaction order; a low local customer credit rating means that the customer credit ratings of all matching local transaction orders are not higher than the customer credit rating of the above-mentioned supply transaction order.

[0064] If both the first customer credit rating result and the second customer credit rating result obtained indicate that the local customer credit rating is low, then the transaction consensus result obtained is that the transaction verification is passed. If one of the first customer credit rating result or the second customer credit rating result obtained indicates that the local customer credit rating is high, then the transaction consensus result obtained is that the transaction verification is not passed.

[0065] S302: If it is determined that the number of transaction consensus results including transaction verification passed returned by other institution nodes corresponding to the received signed transaction group is greater than a preset number, it is determined that the signed transaction group passes the transaction consensus.

[0066] Specifically, the transaction matching node will receive the transaction consensus results returned by other institutional nodes corresponding to the signature transaction group, and count the number of transaction consensus results including those that have passed the transaction verification. If the number of transaction consensus results including those that have passed the transaction verification is greater than the preset number, then it can be determined that the signature transaction group has passed the transaction consensus. If the number of transaction consensus results including those that have passed the transaction verification is less than or equal to the preset number, then the transaction matching node can disassemble the signature transaction order, repeat step S202 to re-match the demand transaction order and the supply transaction order included in the signature transaction order. Among them, the preset number is set according to actual needs, and the embodiment of the present invention is not limited.

[0067] Figure 4 is a flow chart of a transaction matching method for syndicated loans provided in a fourth embodiment of the present invention. Figure 4 As shown, on the basis of the above embodiments, further, the transaction confirmation is performed on the signature transaction group that has passed the transaction consensus, and obtaining the signature transaction group that has passed the transaction confirmation includes:

[0068] S401. If it is learned that the signature transaction group has passed the transaction consensus, a negotiation time is set for the signature transaction group;

[0069] Specifically, after learning that the signature transaction group has passed the transaction consensus, the transaction matching node sets a negotiation time for the signature transaction group, and the negotiation time is the maximum time for the institutional node corresponding to the signature transaction group to confirm the transaction.

[0070] S402: Push the signature transaction group and the negotiation time of the signature transaction group to the corresponding institution node, so that the institution node corresponding to the signature transaction group performs transaction confirmation;

[0071] Specifically, the transaction matching node pushes the signature transaction group and the negotiation time of the signature transaction group through the transaction consensus to the corresponding institutional node, that is, to the institutional node corresponding to the demand transaction order and the institutional node corresponding to the supply transaction order. The institutional node corresponding to the demand transaction order will display the signature transaction group and the negotiation time of the signature transaction group for the demand side staff to confirm. If the demand side staff agrees to the signature transaction group, then the institutional node corresponding to the demand transaction order can return the transaction matching information including the transaction agreement to the transaction matching node through the institutional node corresponding to the demand transaction order. If the demand side staff disagrees with the signature transaction group, then the institutional node corresponding to the demand transaction order can return the transaction matching information including the transaction rejection to the transaction matching node through the institutional node corresponding to the demand transaction order. Similarly, the institutional node corresponding to the supply transaction order will display the signature transaction group and the negotiation time of the signature transaction group for the supply side staff to confirm. If the supply side staff agrees to the signature transaction group, then the institutional node corresponding to the supply transaction order can return the transaction matching information including the transaction agreement to the transaction matching node through the institutional node corresponding to the supply transaction order. If the supply side staff disagrees with the signature transaction group, then the institutional node corresponding to the supply transaction order can return the transaction matching information including the transaction rejection to the transaction matching node through the institutional node corresponding to the supply transaction order. In addition, the staff of the demand side can also modify the demand transaction form. If the demand transaction form is modified, the modification information of the demand transaction form can be returned to the transaction matching node through the institution node corresponding to the demand transaction form. The staff of the supply side can also modify the supply transaction form. If the supply transaction form is modified, the modification information of the supply transaction form can be returned to the transaction matching node through the institution node corresponding to the supply transaction form.

[0072] S403: If no transaction order modification information is returned from any institution node corresponding to the signature transaction group within the negotiation time, and no transaction matching rejection information is returned from any institution node corresponding to the signature transaction group, it is determined that the signature transaction group passes the transaction confirmation.

[0073] Specifically, if the transaction matching node does not receive transaction order modification information returned by any institutional node corresponding to the signature transaction group within the negotiation time, and does not receive transaction matching rejection information returned by any institutional node corresponding to the signature transaction group, then it can be determined that the signature transaction group has passed the transaction confirmation. It is understandable that if the transaction matching node receives transaction matching rejection information returned by any institutional node corresponding to the signature transaction group, then the failure of matching the signature transaction group can be recorded, and the signature transaction group can be dismantled to re-match the transaction. If the transaction matching node receives transaction order modification information returned by any institutional node corresponding to the signature transaction group, then the failure of matching the signature transaction group can be recorded, and the signature transaction group can be dismantled, the modified transaction order can be updated, and the transaction matching can be re-matched. Among them, the transaction order modification information is supply transaction order modification information or demand transaction order modification information.

[0074] Figure 5 is a flow chart of a transaction matching method for syndicated loans provided in a fifth embodiment of the present invention. Figure 5 As shown, based on the above embodiments, further, storing the signed transaction group confirmed by the transaction on the main chain includes:

[0075] S501. If it is known that the signed transaction group has passed the transaction confirmation, the signed transaction group is broadcasted to the main chain network to perform storage consensus on the signed transaction group;

[0076] Specifically, after the transaction matching node learns that the signed transaction group has passed the transaction confirmation, it broadcasts the signed transaction group to the main chain network. Each institutional node can receive the signed transaction group and decrypt the signed transaction group. Other institutional nodes corresponding to the signed transaction group can perform storage consensus on the signed transaction group based on the information obtained from the decryption, and then return the storage consensus result to the transaction matching node, and the storage consensus result is agreement to store or disagreement to store.

[0077] For example, each institutional node can decrypt the signature transaction group through the public key of the institutional node corresponding to the signature transaction group, that is, decrypt the signature information of the demander included in the signature transaction group through the structural node corresponding to the demand transaction order to obtain the first initial transaction group, and decrypt the signature information of the supplier included in the signature transaction group through the structural node corresponding to the supply transaction order to obtain the second initial transaction group, and then compare the first initial transaction group and the second initial transaction group. If the first initial transaction group and the second initial transaction group are the same, then the storage consensus result obtained is consent to storage, and if the first initial transaction group and the second initial transaction group are different, then the storage consensus result obtained is disagreement with storage. Among them, the public key of the institutional node is preset and pre-broadcasted to the main chain network.

[0078] S502: If it is determined that the number of consensus results agreed to be stored sent by the received institutional nodes is greater than the set number, it is determined that the signature transaction group passes the storage consensus.

[0079] Specifically, the transaction matching node will receive the storage consensus results returned by each institution node, and count the number of storage consensus results that are agreed to be stored. If the number of transaction consensus results that are agreed to be stored is greater than the set number, then it can be determined that the signature transaction group has passed the storage consensus. If the number of storage consensus results that are agreed to be stored is less than or equal to the set number, then the transaction matching node can prompt that the storage consensus has failed.

[0080] On the basis of the above embodiments, further, the transaction matching rules include:

[0081] The demand types of the two orders are opposite and the trading time ranges of the two orders match.

[0082] Specifically, when the transaction matching node matches two transaction orders, it will compare the required types and transaction time ranges of the two transaction orders. If the required types of the two transaction orders are opposite and the transaction time ranges of the two transaction orders match, then one of the transaction orders will be used as the demand transaction order and the other transaction order will be used as the supply transaction order to form an initial transaction group. The matching of the transaction time ranges of the two transaction orders means that the latest time of the transaction time range of the supply transaction order is within the transaction time range of the demand transaction order.

[0083] For example, transaction order A includes demand type: demand proposer, transaction time range: 2021002-20220301; transaction order B includes demand type: demand supplier, transaction time range: 2021002-20211231. The demand proposer included in transaction order A and the demand supplier included in transaction order B are of opposite demand types. The deadline for the funding demand of transaction order A is March 1, 2022, and the latest time for transaction order B to provide funds is December 31, 2021, which is before the deadline for the funding demand of transaction order A and after the start date of the funding demand of transaction order A. Therefore, the transaction time range of transaction order A matches that of transaction order B. Transaction order A and transaction order B can form an initial transaction group.

[0084] Figure 6 is a flow chart of a transaction matching method for syndicated loans provided in a sixth embodiment of the present invention, such as Figure 6 As shown, based on the above embodiments, further, the transaction order includes a demander's quota or a supplier's quota; accordingly, the method further includes:

[0085] S601: If the first transaction order and the second transaction order form the initial transaction group, compare the demand side quota included in the first transaction order with the supply side quota included in the second transaction order;

[0086] Specifically, the transaction order includes a demander's quota or a supplier's quota. The demander's quota is the financing amount of the institution corresponding to the transaction order whose demand type is the demand proposer, and the supplier's quota is the loan amount of the institution corresponding to the transaction order whose demand type is the demand supplier. If the transaction matching node forms the first transaction order and the second transaction order into the initial transaction group, the demander's quota included in the first transaction order and the supplier's quota included in the second transaction order will be compared. If the demander's quota included in the first transaction order and the supplier's quota included in the second transaction order are equal, there is no need to split the transaction order. If the demander's quota included in the first transaction order and the supplier's quota included in the second transaction order are not equal, then the transaction order needs to be split.

[0087] S602: If it is determined that the demander's credit limit included in the first transaction order is greater than the supplier's credit limit included in the second transaction order, a first new transaction order is generated based on the first transaction order, wherein the demander's credit limit included in the first new transaction order is equal to the demander's credit limit included in the first transaction order minus the supplier's credit limit included in the second transaction order;

[0088] Specifically, if the transaction matching node determines that the demand side credit limit included in the first transaction order is greater than the supply side credit limit included in the second transaction order, then the first transaction order needs to be split to generate a first new transaction order. The institutional identification, demand type, interest rate, transaction time range, customer credit rating and other information of the first new transaction order are the same as those of the first transaction order. The demand side credit limit included in the first new transaction order is equal to the demand side credit limit included in the first transaction order minus the supply side credit limit included in the second transaction order.

[0089] S603. If it is determined that the demand side quota included in the first transaction order is less than the supply side quota included in the second transaction order, a second new transaction order is generated based on the second transaction order, and the supply side quota included in the second new transaction order is equal to the supply side quota included in the second transaction order minus the demand side quota included in the first transaction order.

[0090] Specifically, if the transaction matching node determines that the demand side credit limit included in the first transaction order is less than the supply side credit limit included in the second transaction order, then the second transaction order needs to be split to generate a second new transaction order. The institutional identification, demand type, interest rate, transaction time range, customer credit rating and other information of the second new transaction order are the same as those of the second transaction order. The demand side credit limit included in the second new transaction order is equal to the supply side credit limit included in the second transaction order minus the demand side credit limit included in the first transaction order.

[0091] On the basis of the above embodiments, the transaction matching method of syndicated loans provided in the embodiment of the present invention further includes:

[0092] The signed transaction group that has passed the transaction consensus is stored on the main chain.

[0093] Specifically, after obtaining the signed transaction group that has passed the transaction consensus, the transaction matching node can store the signed transaction group that has passed the transaction consensus on the main chain, that is, encapsulate the signed transaction group that has passed the transaction consensus into blocks, and store it on the chain. Among them, the specific process of encapsulating the signed transaction group that has passed the transaction consensus into blocks is an existing technology and will not be repeated here.

[0094] The following is an example of a specific business scenario to illustrate the implementation process of the transaction matching method for syndicated loans provided by an embodiment of the present invention.

[0095] Wangjing Bank's syndicate has a quota of 1 million to be allocated, Chaoyang Branch has a disposable quota of 300,000, and Guang'anmen Branch has a disposable quota of 800,000. Wangjing Bank publishes transaction order a through the corresponding institutional node x. Transaction order a includes institutional identification 00x, demand proposer, demander quota of 1 million, transaction time range 20210302-20220301, customer credit rating A and transaction order status: pending matching. Chaoyang Branch publishes transaction order b through the corresponding institutional node y. Transaction order b includes institutional identification 00y, demand supplier, supplier quota of 300,000, transaction time range 20210302-20211231, customer credit rating B and transaction order status: pending matching. Guang'anmen Branch publishes transaction order c through the corresponding institutional node z. Transaction order c includes institutional identification 00z, demand supplier, supplier quota of 800,000, transaction time range 20210302-20221231, customer credit rating B and transaction order status: pending matching.

[0096] Transaction matching node d obtains transaction order a, transaction order b, and transaction order c. Then, transaction order a and transaction order b are matched according to the transaction matching rules. Since the demand types of transaction order a and transaction order b are opposite, and the transaction time ranges of transaction order a and transaction order b match, transaction order a and transaction order b constitute an initial transaction group ab, transaction order a is a demand transaction order, and transaction order b is a supply transaction order. Transaction matching node d compares the demand side quota of transaction order a of 1 million and the supply side quota of transaction order b of 300,000. The demand side quota of 1 million is greater than the supply side quota of 300,000. Then transaction matching node d generates transaction order p based on transaction order a. The demand side quota of transaction order p is equal to 700,000, and the other information of transaction order p is the same as that of transaction order a. Transaction matching node d matches transaction order p and transaction order c according to the transaction matching rules. Since the demand types of transaction order p and transaction order c are opposite, and the transaction time ranges of transaction order p and transaction order c match, transaction order p and transaction order c constitute an initial transaction group pc, transaction order p is a demand transaction order, and transaction order c is a supply transaction order. Transaction matching node d compares the demand side quota of transaction order p of 700,000 and the supply side quota of transaction order c of 800,000. The demand side quota of 700,000 is less than the supply side quota of 800,000. Then transaction matching node d generates transaction order q based on transaction order c. The supply side quota of transaction order q is equal to 100,000, and the other information of transaction order q is the same as that of transaction order c. Among them, after obtaining the initial transaction group ab and the initial transaction group pc, the 1 million pending allocation quota of Wangjing Bank, the 300,000 disposable quota of Chaoyang Branch, and the 700,000 disposable quota of Guang'anmen Branch will be frozen. By freezing the pending allocation quota and the disposable quota, the repeated use of funds can be avoided. The subsequent processing of the initial transaction group pc is similar to the subsequent processing of the initial transaction group ab, and the processing of the initial transaction group ab is taken as an example for description.

[0097] Transaction matching node d pushes the initial transaction group ab to institutional node x and institutional node y. Institutional node x signs the initial transaction group ab with a private key, obtains the signature information of the demander, and then returns the signature information of the demander to transaction matching node d. Similarly, institutional node y signs the initial transaction group ab with a private key, obtains the signature information of the supplier, and then returns the signature information of the supplier to transaction matching node d. Transaction matching node d obtains the above signature information of the demander and the supplier as the signature transaction group ab, and then broadcasts the signature transaction group ab in the main chain network.

[0098] Assume that there are 100 institutional nodes in the main chain network, and the other institutional nodes corresponding to the signature transaction group ab are 98 institutional nodes except institutional nodes x and institutional nodes y. Each of the other institutional nodes corresponding to the signature transaction group ab can decrypt the signature information of the demander included in the signature transaction group ab according to the public key of institutional node x to obtain the first initial transaction group, and can decrypt the signature information of the supplier included in the signature transaction group ab according to the public key of institutional node y to obtain the second initial transaction group. If the first initial transaction group and the second initial transaction group are the same, then the transaction consensus result obtained is that the transaction verification is passed, and the transaction verification is carried in the transaction consensus result and returned to the transaction matching node d. The transaction matching node d will receive the transaction consensus results returned by the other institutional nodes corresponding to the signature transaction group ab, and count the number of transaction consensus results including the transaction verification. If the number of transaction consensus results including the transaction verification is greater than 49, then the signature transaction group ab passes the transaction consensus.

[0099] Transaction matching node d sets the negotiation time of signature transaction group ab to 1 hour and sets the execution status of signature transaction group ab to matching, and then pushes signature transaction group ab to institution node x and institution node y. Institution node x will display signature transaction group ab for confirmation by the demand side staff, and prompt that the negotiation time of signature transaction group ab is 10 minutes. Institution node y will display signature transaction group ab for confirmation by the supply side staff, and prompt that the negotiation time of signature transaction group ab is 10 minutes. The supply side staff can return the information of agreeing to match the transaction to transaction matching node d through institution node y.

[0100] If transaction matching node d receives information from institutional node x that agrees to match transactions, and receives information from institutional node y that agrees to match transactions, then it can be determined that the signed transaction group ab has passed the transaction confirmation, and the execution status of the signed transaction group ab can be set to matching completed. Then the signed transaction group ab is broadcast to the main chain network for the 100 institutional nodes in the main chain network to perform storage consensus. If transaction matching node d receives consensus results from more than 50 institutional nodes that agree to store, the signed transaction group ab that has passed the transaction confirmation will be encapsulated in blocks and written to the main chain.

[0101] Among them, the execution status of the signed transaction group will be synchronized to the transaction orders of each institutional node. The transaction orders with the execution status of matching in progress and the transaction orders with the execution status of matching completed will not be paired. The execution status can be used to avoid repeated acquisition of transaction orders.

[0102] Among them, each institution can apply parachain technology to build its own parachain, and can deploy nodes independently. Parachains and main chains maintain an independent yet connected relationship. Parachains under the main chain have their own state machines and original transaction data, and node information can be traced by any participating party. The main chain can perform cross-chain operations on parachains, thus forming a chain ecosystem. The calculations performed by parachains are essentially independent, but connected together. There are clear isolation boundaries between parachains, and all transactions can be executed immediately without worrying about conflicts with other chains. Relying on the above characteristics of parachains, information is guaranteed to be open and transparent, and two-way matching is achieved, greatly improving matching efficiency.

[0103] Compared with the syndicated loan transaction matching business in the prior art, the syndicated loan transaction matching method provided in the embodiment of the present invention has the following advantages:

[0104] (1) Solve the problem of offline manual matching or one-way matching in the current syndicated bank. By utilizing the technical characteristics of the parallel chain, each branch of the bank independently deploys the parallel chain, publishes the transaction order to the transaction matching node for multi-node concurrent processing, completes two-way matching, and replaces the current query and screening of participating banks with the transaction matching rules, thereby improving the matching efficiency.

[0105] (2) Efficiently coordinate and adjust the credit resources inside and outside the bank. Effectively adjust the surplus and shortage of credit resources and scale of each branch at different times, make full use of business resources, quickly solve customer loan needs, and achieve optimal allocation of resources.

[0106] (3) Solve the existing information asymmetry problem between the lead bank and the participating banks. Establish a docking channel between institutions, provide matching information to the syndicate member banks, complete the transformation of the matching selection channel from point-to-point to point-to-face, realize the orderly docking of resources, reduce the search and waiting time of the matching parties, and improve the efficiency and success rate of matching transactions;

[0107] (4) Optimize the management model of the bank's syndicated loan organization and credit asset trading business, improve the systematization, automation and efficiency of the bank's syndicated loan and asset trading business, and realize the electronic, platform-based and open nature of syndicated loan organization and management.

[0108] Figure 7 is a schematic diagram of the structure of a transaction matching device for syndicated loans provided by the seventh embodiment of the present invention. Figure 7 As shown, the transaction matching device for syndicated loans provided in the embodiment of the present invention includes an acquisition module 701, a traversal module 702, a push module 703, a broadcast module 704, a transaction confirmation module 705 and a transaction storage module 706, wherein:

[0109] The acquisition module 701 is used to acquire the transaction order issued by each institution node, and the transaction order includes an institution identifier, a demand type and a transaction time range; wherein the institution identifier corresponds to the institution node one by one; the traversal module 702 is used to traverse each transaction order and obtain at least one initial transaction group according to the demand type, the transaction time range and the transaction pairing rule; wherein the initial transaction group includes a demand transaction order and a supply transaction order; the transaction pairing rule is preset; the push module 703 is used to push each initial transaction group to the corresponding institution node according to the institution identifier included in each initial transaction group and receive the signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group; the broadcast module 704 is used to broadcast each signature transaction group to the main chain network to perform transaction consensus on each signature transaction group, and obtain a signature transaction group that passes the transaction consensus; wherein the signature transaction group includes the signature information of the initial transaction group; the transaction confirmation module 705 is used to perform transaction confirmation on the signature transaction group that passes the transaction consensus, and obtain a signature transaction group that passes the transaction confirmation; the transaction storage module 706 is used to store the signature transaction group that passes the transaction confirmation on the main chain.

[0110] Specifically, the institution that serves as the lead bank of the syndicated loan can publish a transaction order through the institution node. The transaction order may include information such as the institution identification, demand type, demander quota, transaction time range, customer credit rating, and transaction order status. The demand type is the demand proposer. The demander quota is equal to the total amount of syndicated financing minus the amount of the lead bank loan, that is, the total amount distributed to other syndicated loan members. Each institution can publish a transaction order through the institution node. The transaction order may include information such as the institution identification, demand type, provider quota, transaction time range, customer credit rating, and transaction order status. The demand type is the demand provider. The acquisition module 701 can receive the transaction orders issued by each institution node. Among them, the institution identification corresponds to the institution node one by one.

[0111] The traversal module 702 traverses each transaction order, pairs each transaction order according to the demand type, the transaction time range and the transaction matching rule, and obtains multiple initial transaction groups, wherein the initial transaction group includes a demand transaction order and a supply transaction order. The demand transaction order is a transaction order issued by the lead bank, and the demand type is the demand proposer; the demand type of the supply transaction order is the demand supplier. The transaction matching rule is preset and is set according to actual needs, and is not limited in the embodiment of the present invention.

[0112] For each initial transaction group, the push module 703 obtains the institutional identification of the demand transaction form and the institutional identification of the supply transaction form from the demand transaction form and the supply transaction form included in the initial transaction group, and then pushes the initial transaction group to the institutional node corresponding to the institutional identification of the demand transaction form and the institutional node corresponding to the institutional identification of the supply transaction form. After receiving the initial transaction group, the institutional node corresponding to the institutional identification of the demand transaction form can sign the received initial transaction group with a private key to obtain the signature information of the demand party, and then return the signature information of the demand party to the push module 703. Similarly, after receiving the initial transaction group, the institutional node corresponding to the institutional identification of the supply transaction form can sign the received initial transaction group with a private key to obtain the signature information of the supplier, and then return the signature information of the supplier to the push module 703. The push module 703 receives the signature information of the demand party corresponding to the demand transaction form and the signature information of the supplier corresponding to the supply transaction form as the signature information of the initial transaction group. The transaction matching node repeats the above process continuously to obtain the signature information of each initial transaction group.

[0113] The broadcast module 704 broadcasts each signature transaction group to the main chain network, so that each institutional node in the main chain network can reach a transaction consensus on each signature transaction group. Each institutional node will return the transaction consensus result to the broadcast module 704. The broadcast module 704 determines whether each signature transaction group has passed the transaction consensus based on the transaction consensus result returned by each institutional node, and obtains the signature transaction group that has passed the transaction consensus. Among them, the signature transaction group includes the signature information of the initial transaction group. The consensus mechanism adopted by the transaction consensus is set according to actual needs, and the embodiment of the present invention does not limit it.

[0114] The transaction confirmation module 705 will send the signed transaction group that has passed the transaction consensus to the corresponding institutional node for transaction confirmation, and obtain the signed transaction group that has passed the transaction confirmation based on the transaction confirmation result of the signed transaction group that has passed the transaction consensus.

[0115] After obtaining the signed transaction group that has passed the transaction confirmation, the transaction storage module 706 performs storage consensus on the signed transaction group that has passed the transaction confirmation through the storage consensus mechanism, and stores the signed transaction group that has passed the storage consensus in the form of a block on the main chain. The storage consensus mechanism is preset and is set according to actual needs, and is not limited in the embodiment of the present invention.

[0116] The transaction matching device for syndicated loans provided by the embodiment of the present invention can obtain transaction orders including institution identification, demand type and transaction time range issued by each institution node, traverse each transaction order, obtain at least one initial transaction group according to the demand type, transaction time range and transaction matching rule, push each initial transaction group to the corresponding institution node according to the institution identification included in each initial transaction group, receive the signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group, broadcast each signed transaction group to the main chain network to perform transaction consensus on each signed transaction group, obtain the signed transaction group that passes the transaction consensus, perform transaction confirmation on the signed transaction group that passes the transaction consensus, obtain the signed transaction group that passes the transaction confirmation, store the signed transaction group that passes the transaction confirmation on the main chain, realize two-way matching of syndicated loans, reduce the search and waiting time of the matching parties, and improve the transaction efficiency of syndicated loans.

[0117] Figure 8 : is a schematic diagram of the structure of a transaction matching device for syndicated loans provided by an eighth embodiment of the present invention. Figure 8 As shown, based on the above embodiments, further, the broadcast module 704 includes a first broadcast unit 7041 and a determination unit 7042, wherein:

[0118] The first broadcast unit 7041 is used to broadcast the signed transaction group to the main chain network so that other institutional nodes corresponding to the signed transaction group can reach a consensus on the signed transaction group; wherein, the other institutional nodes corresponding to the signed transaction group are institutional nodes in the main chain network other than the institutional nodes corresponding to the signed transaction group; the determination unit 7042 is used to determine that the signed transaction group has passed the transaction consensus after it is determined that the number of transaction consensus results including transaction verification passed returned by the other institutional nodes corresponding to the signed transaction group is greater than a preset number.

[0119] Fig. 9 is a schematic diagram of the structure of a transaction matching device for syndicated loans provided by a ninth embodiment of the present invention. Fig. 9 As shown, based on the above embodiments, further, the transaction confirmation module 705 includes a setting unit 7051, a push unit 7052 and a receiving unit 7053, wherein:

[0120] The setting unit 7051 is used to set a negotiation time for the signature transaction group after learning that the signature transaction group has passed the transaction consensus; the pushing unit 7052 is used to push the signature transaction group and the negotiation time of the signature transaction group to the corresponding institutional node, so that the institutional node corresponding to the signature transaction group confirms the transaction; the receiving unit 7053 is used to determine that the signature transaction group has passed the transaction confirmation after not receiving any transaction order modification information returned by any institutional node corresponding to the signature transaction group within the negotiation time and not receiving any transaction matching rejection information returned by any institutional node corresponding to the signature transaction group.

[0121] Fig.10 is a schematic diagram of the structure of a transaction matching device for syndicated loans provided by the tenth embodiment of the present invention. Fig.10 As shown, based on the above embodiments, further, the transaction storage module 706 includes a second broadcast unit 7061 and a judgment unit 7062, wherein:

[0122] The second broadcast unit 7061 is used to broadcast the signed transaction group to the main chain network to perform storage consensus on the signed transaction group after learning that the signed transaction group has passed the transaction confirmation; the judgment unit 7062 is used to determine that the signed transaction group has passed the storage consensus after learning that the number of consensus results agreed to be stored sent by the received institutional nodes is greater than the set number.

[0123] On the basis of the above embodiments, further, the transaction matching rules include:

[0124] The demand types of the two orders are opposite and the trading time ranges of the two orders match.

[0125] Fig.11 is a schematic diagram of the structure of a transaction matching device for syndicated loans provided by the eleventh embodiment of the present invention. Fig.11 As shown, on the basis of the above embodiments, further, the transaction order includes the demander's credit limit or the supplier's credit limit; accordingly, the transaction matching device for syndicated loans provided in the embodiment of the present invention further includes a comparison module 707, a first judgment module 708 and a second judgment module 709, wherein:

[0126] The comparison module 707 is used to compare the demand side quota included in the first transaction order and the supply side quota included in the second transaction order after the first transaction order and the second transaction order are formed into the initial transaction group; the first judgment module 708 is used to generate a first new transaction order based on the first transaction order after judging that the demand side quota included in the first transaction order is greater than the supply side quota included in the second transaction order, and the demand side quota included in the first new transaction order is equal to the demand side quota included in the first transaction order minus the supply side quota included in the second transaction order; the second judgment module 709 is used to generate a second new transaction order based on the second transaction order after judging that the demand side quota included in the first transaction order is less than the supply side quota included in the second transaction order, and the supply side quota included in the second new transaction order is equal to the supply side quota included in the second transaction order minus the demand side quota included in the first transaction order.

[0127] Fig.12 is a schematic diagram of the structure of a transaction matching device for syndicated loans provided by the twelfth embodiment of the present invention, such as Fig.12 As shown, based on the above embodiments, the transaction matching device for syndicated loans provided in the embodiment of the present invention further includes a signature storage module 710, wherein:

[0128] The signature storage module 710 is used to store the signed transaction group that has passed the transaction consensus on the main chain.

[0129] The embodiments of the apparatus provided in the embodiments of the present invention can be specifically used to execute the processing flow of the above-mentioned method embodiments, and its functions are not described in detail here, and reference can be made to the detailed description of the above-mentioned method embodiments.

[0130] Fig.13 is a schematic diagram of the physical structure of an electronic device provided by an embodiment of the present invention, such as Fig.13As shown, the electronic device may include: a processor (processor) 1301, a communication interface (Communications Interface) 1302, a memory (memory) 1303 and a communication bus 1304, wherein the processor 1301, the communication interface 1302, and the memory 1303 communicate with each other through the communication bus 1304. The processor 1301 can call the logic instructions in the memory 1303 to execute the following method: obtain the transaction order issued by each institution node, the transaction order includes an institution identifier, a demand type and a transaction time range; wherein the institution identifier corresponds to the institution node one by one; traverse each transaction order, and obtain at least one initial transaction group according to the demand type, the transaction time range and the transaction pairing rule; wherein the initial transaction group includes a demand transaction order and a supply transaction order; the transaction pairing rule is preset; according to the institution identifier included in each initial transaction group, push each initial transaction group to the corresponding institution node and receive the signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group; broadcast each signed transaction group to the main chain network to perform transaction consensus on each signed transaction group, and obtain a signed transaction group that passes the transaction consensus; wherein the signed transaction group includes the signature information of the initial transaction group; perform transaction confirmation on the signed transaction group that passes the transaction consensus, and obtain a signed transaction group that passes the transaction confirmation; store the signed transaction group that passes the transaction confirmation on the main chain.

[0131] In addition, the logic instructions in the above-mentioned memory 1303 can be implemented in the form of software functional units and can be stored in a computer-readable storage medium when sold or used as an independent product. Based on such an understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art or the part of the technical solution, can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program codes.

[0132] The present embodiment discloses a computer program product, which includes a computer program stored on a non-transitory computer-readable storage medium, and the computer program includes program instructions. When the program instructions are executed by a computer, the computer can execute the methods provided by the above-mentioned method embodiments, for example, including: obtaining a transaction order issued by each institution node, the transaction order including an institution identifier, a demand type, and a transaction time range; wherein the institution identifier corresponds to the institution node one by one; traversing each transaction order, and obtaining at least one initial transaction group according to the demand type, the transaction time range, and the transaction pairing rule; wherein the initial transaction group It includes a demand transaction order and a supply transaction order; the transaction pairing rule is preset; according to the institution identification included in each initial transaction group, each initial transaction group is pushed to the corresponding institution node and the signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group is received; each signed transaction group is broadcast to the main chain network to conduct a transaction consensus on each signed transaction group, and a signed transaction group that passes the transaction consensus is obtained; wherein the signed transaction group includes the signature information of the initial transaction group; the signed transaction group that passes the transaction consensus is confirmed, and a signed transaction group that passes the transaction confirmation is obtained; the signed transaction group that passes the transaction confirmation is stored on the main chain.

[0133] The present embodiment provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, wherein the computer program enables the computer to execute the methods provided by the above-mentioned method embodiments, for example, including: obtaining a transaction order issued by each institution node, wherein the transaction order includes an institution identifier, a demand type, and a transaction time range; wherein the institution identifier corresponds to the institution node one by one; traversing each transaction order, and obtaining at least one initial transaction group according to the demand type, the transaction time range, and a transaction pairing rule; wherein the initial transaction group includes a demand transaction order and a supply transaction order; wherein the transaction pairing rule is preset; according to the institution identifier included in each initial transaction group, pushing each initial transaction group to the corresponding institution node and receiving the signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group; broadcasting each signed transaction group to the main chain network to perform transaction consensus on each signed transaction group, and obtaining a signed transaction group that passes the transaction consensus; wherein the signed transaction group includes the signature information of the initial transaction group; performing transaction confirmation on the signed transaction group that passes the transaction consensus, and obtaining a signed transaction group that passes the transaction confirmation; and storing the signed transaction group that passes the transaction confirmation on the main chain.

[0134] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0135] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0136] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0137] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

Claims

1. A transaction matching method for syndicated loans. It is characterized in that include: Obtaining the transaction order issued by each institution node, wherein the transaction order includes an institution identifier, a demand type, and a transaction time range; wherein the institution identifier corresponds to the institution node one by one; Traversing each transaction order, obtaining at least one initial transaction group according to the demand type, the transaction time range and the transaction matching rule; wherein the initial transaction group includes a demand transaction order and a supply transaction order; and the transaction matching rule is preset; According to the institution identification included in each initial transaction group, each initial transaction group is pushed to the corresponding institution node and the signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group is received; Broadcast each signed transaction group to the main chain network to reach a transaction consensus for each signed transaction group, obtain the signed transaction group that has passed the transaction consensus, set the execution status of the signed transaction group to matching, and synchronize the execution status of the signed transaction group to the transaction order of each institution node; wherein the signed transaction group includes the signature information of the initial transaction group; Confirm the transaction of the signed transaction group that has passed the transaction consensus, obtain the signed transaction group that has passed the transaction confirmation, set the execution status of the signed transaction group to matching completion, and synchronize the execution status of the signed transaction group to the transaction order of each institution node; Store the signed transaction group confirmed by the transaction on the main chain; The step of broadcasting each signed transaction group to the main chain network to reach a transaction consensus on each signed transaction group, and obtaining a signed transaction group that passes the transaction consensus includes: Broadcasting the signed transaction group to the main chain network so that other institutional nodes corresponding to the signed transaction group reach a consensus on the signed transaction group; wherein the other institutional nodes corresponding to the signed transaction group are institutional nodes in the main chain network other than the institutional nodes corresponding to the signed transaction group; If it is determined that the number of transaction consensus results including transaction verification passed returned by other institution nodes corresponding to the received signed transaction group is greater than a preset number, it is determined that the signed transaction group passes the transaction consensus; The step of storing the signed transaction group confirmed by the transaction on the main chain includes: If it is known that the signed transaction group has passed the transaction confirmation, the signed transaction group is broadcasted to the main chain network to perform storage consensus on the signed transaction group; If it is determined that the number of consensus results agreed to be stored sent by the received institutional nodes is greater than the set number, it is determined that the signature transaction group has passed the storage consensus.

2. The method according to claim 1, It is characterized in that The step of performing transaction confirmation on the signed transaction group that has passed the transaction consensus and obtaining the signed transaction group that has passed the transaction confirmation includes: If it is learned that the signed transaction group has passed the transaction consensus, setting a negotiation time for the signed transaction group; Pushing the signed transaction group and the negotiation time of the signed transaction group to the corresponding institutional node, so that the institutional node corresponding to the signed transaction group performs transaction confirmation; If no transaction order modification information is returned from any institutional node corresponding to the signature transaction group within the negotiation time, and no transaction matching rejection information is returned from any institutional node corresponding to the signature transaction group, it is determined that the signature transaction group has passed the transaction confirmation.

3. The method according to claim 1, It is characterized in that The transaction matching rules include: The demand types of the two orders are opposite and the trading time ranges of the two orders match.

4. The method according to claim 1, It is characterized in that The transaction order includes a demander's quota or a supplier's quota; accordingly, the method further includes: If the first transaction order and the second transaction order form the initial transaction group, then compare the demand side quota included in the first transaction order with the supply side quota included in the second transaction order; If it is determined that the demander's credit limit included in the first transaction order is greater than the supplier's credit limit included in the second transaction order, a first new transaction order is generated based on the first transaction order, and the demander's credit limit included in the first new transaction order is equal to the demander's credit limit included in the first transaction order minus the supplier's credit limit included in the second transaction order; If it is determined that the demand side quota included in the first transaction order is less than the supply side quota included in the second transaction order, a second new transaction order is generated based on the second transaction order, and the supply side quota included in the second new transaction order is equal to the supply side quota included in the second transaction order minus the demand side quota included in the first transaction order.

5. The method according to any one of claims 1 to 4, It is characterized in that Also includes: The signed transaction group that has passed the transaction consensus is stored on the main chain.

6. A transaction matching device for syndicated loans, It is characterized in that include: An acquisition module, used to acquire the transaction order issued by each institution node, wherein the transaction order includes an institution identifier, a demand type, and a transaction time range; wherein the institution identifier corresponds to the institution node one by one; A traversal module, used to traverse each transaction order, and obtain at least one initial transaction group according to the demand type, the transaction time range and the transaction matching rule; wherein the initial transaction group includes a demand transaction order and a supply transaction order; and the transaction matching rule is preset; A push module, used to push each initial transaction group to a corresponding institution node according to the institution identifier included in each initial transaction group and receive signature information of the initial transaction group returned by the institution node corresponding to each initial transaction group; A broadcast module is used to broadcast each signed transaction group to the main chain network to reach a transaction consensus for each signed transaction group, obtain the signed transaction group that has passed the transaction consensus, set the execution status of the signed transaction group to matching, and synchronize the execution status of the signed transaction group to the transaction order of each institution node; wherein the signed transaction group includes the signature information of the initial transaction group; The transaction confirmation module is used to confirm the signed transaction group that has passed the transaction consensus, obtain the signed transaction group that has passed the transaction confirmation, set the execution status of the signed transaction group to matching completion, and synchronize the execution status of the signed transaction group to the transaction order of each institution node; The transaction storage module is used to store the signed transaction group confirmed by the transaction on the main chain; The broadcast module includes a first broadcast unit and a determination unit, wherein the first broadcast unit is used to broadcast the signature transaction group to the main chain network so that other institutional nodes corresponding to the signature transaction group reach a consensus on the signature transaction group; wherein the other institutional nodes corresponding to the signature transaction group are institutional nodes in the main chain network other than the institutional nodes corresponding to the signature transaction group; the determination unit is used to determine that the signature transaction group passes the transaction consensus after determining that the number of transaction consensus results including transaction verification passed returned by other institutional nodes corresponding to the signature transaction group is greater than a preset number; Among them, the transaction storage module includes a second broadcast unit and a judgment unit. The second broadcast unit is used to broadcast the signed transaction group to the main chain network after learning that the signed transaction group has passed the transaction confirmation to perform storage consensus on the signed transaction group; the judgment unit is used to determine that the signed transaction group has passed the storage consensus after learning that the number of consensus results agreed to be stored sent by the received institutional nodes is greater than the set number.

7. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, It is characterized in that When the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 are implemented.

8. A computer-readable storage medium having a computer program stored thereon, It is characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

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