Method and system for financing account receivable pool based on block chain, equipment and storage medium

Abstract

The invention discloses a method and system for financing an account receivable pool based on a block chain, equipment and a storage medium, and the method makes full use of a distributed account book technology, an asymmetric encryption technology, an intelligent contract technology, a Hash algorithm, a digital signature and identity authentication technology and the like in the block chain, so that the financing process of the account receivable pool is more convenient and reliable, certificates such as contracts and transaction receipts generated in each financing process can be stored on the chain, each item is unique and accurate, and the problems of virtual transactions, virtual prices and the like do not exist. Many items in the process can be directly and automatically completed through the smart contract of the block chain, the offline confirmation cost is reduced, the business efficiency is improved, a financing bank does not need to carry out account receivable collection after the financing money is issued, the corresponding smart contract can be automatically triggered when a default situation occurs, and the management risk of financing bank nodes is reduced.

Description

technical field

[0001] The present invention relates to the technical field of block chains, in particular, to a method, system, equipment, and computer-readable storage medium for financing accounts receivable pools based on block chains. Background technique

[0002] Accounts receivable pool financing is that the bank combines the usual accounts receivable to form a relatively stable accounts receivable "pool" according to the fact that the borrower has many downstream enterprises and a large number of transactions. The party signs a contract, and according to the balance in the accounts receivable pool, financing is carried out in a certain proportion.

[0003] However, the current accounts receivable pool financing model has the following risks:

[0004] 1. There is a risk of fictitious transactions: in order to obtain financing, suppliers forge purchase and sales contracts, commercial invoices and documents, etc., thereby defrauding bank financing;

[0005] 2. There i...

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