Dynamic mortgage loan supervision method and system based on blockchain, equipment and storage medium

A blockchain, dynamic technology, applied in the field of blockchain to achieve the effect of realizing information, enhancing financial attributes, and reducing risks

Pending Publication Date: 2021-11-19
HUNAN UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] The present invention provides a block chain-based dynamic mortgage loan supervision method, system, equipment, and computer-readable storage medium to solve the above-mentioned shortcomings of the existing dynamic mortgage loan supervision methods

Method used

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  • Dynamic mortgage loan supervision method and system based on blockchain, equipment and storage medium
  • Dynamic mortgage loan supervision method and system based on blockchain, equipment and storage medium
  • Dynamic mortgage loan supervision method and system based on blockchain, equipment and storage medium

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Embodiment Construction

[0077] The embodiments of the present invention will be described in detail below with reference to the accompanying drawings, but the present invention can be implemented in many different ways as defined and covered below.

[0078] like figure 1 As shown, the preferred embodiment of the present invention provides a blockchain-based dynamic mortgage loan supervision method, including the following:

[0079] Step S1: The loan enterprise node and the financing bank node sign the dynamic mortgage loan contract on the blockchain. At the same time, the financial warehousing node evaluates the credit status of the loan enterprise node. After the evaluation is passed, the dynamic mortgage loan contract is signed and endorsed and uploaded to on the blockchain;

[0080] Step S2: The loan enterprise node evaluates the credit status of the credit insurance company node, and after the evaluation passes, insures the credit insurance company node based on the collateral and applies for th...

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Abstract

The invention discloses a dynamic mortgage loan supervision method and system based on a blockchain, equipment and a storage medium, and the method achieves the non-tampering and non-forgery of transaction data through the block chain technology, guarantees the authenticity and integrity of all data in a dynamic mortgage process, enables all transaction data to be traceable and queried, and financing banks and loan enterprises can comprehensively and truly master the data value of the stored goods. Besides, a distributed account book technology is utilized, and people keep bills and guarantee that people acquire complete information, so that information transparency, information sharing and tampering resistance are realized, and the situation that the mortgage value is lower than the value guaranteed in advance in the dynamic mortgage process due to the fact that loan enterprises tamper data is fundamentally avoided. Moreover, the dynamic mortgage loan is endorsed by a financial storage node, the financial attribute is enhanced, the goods are underwritten by an insurance company, and the risk of a financing bank is reduced.

Description

technical field [0001] The present invention relates to the field of blockchain technology, and in particular, to a blockchain-based dynamic mortgage loan supervision method and system, equipment, and computer-readable storage medium. Background technique [0002] Dynamic mortgage loan supervision is to first determine the minimum required value of the pledged commodities. During the pledge period, the part exceeding the minimum required value can be freely deposited or withdrawn. A type of multiple bills of lading in batches. Among them, dynamic mortgage is a kind of credit business for movable property and cargo right pledge. It refers to the credit business in which enterprises (or individual industrial and commercial households) pledge their own or legally owned chattels by a third party. It is also called the approved inventory model. A minimum limit is set for the goods pledged by the enterprise, and the goods above the limit are allowed to be shipped out of the wareh...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/08G06F16/27G06F21/64G06Q20/38
CPCG06Q40/08G06F16/27G06F21/64G06Q20/3825G06Q20/3829G06Q20/3827G06Q40/03
Inventor 马超群苏丽周中定李信儒万丽
Owner HUNAN UNIV
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