Method and device for generating pledge list

Abstract

The invention provides a pledge list generation method and device which are applied to a service system. The business system is accessed to a block chain; the service system maintains a pledge asset pool of the user; wherein the pledge asset pool comprises a plurality of assets used as pledges; the method comprises the following steps: receiving a pledge request initiated by a user for a target asset to be pledged; performing pledge verification on the target asset according to a preset pledge verification rule; if the pledge verification of the target assets is passed, adding the target assets to a pledge asset pool of the user, and generating a pledge list corresponding to the target assets; and storing the association relationship between the generated pledge list and the pledge asset pool of the user, and storing the pledge list in the block chain.

Description

technical field [0001] This application relates to the technical field of blockchain, and in particular to a method and device for generating a pledge note. Background technique [0002] The traditional mortgage loan method has high requirements on the main credit of the borrower, inflexible identification standards for effective assets, and low credit line. However, small and medium-sized enterprises such as dealers, wholesalers, and retailers in the supply chain usually have low credit ratings. Most of the assets owned are inventory current assets whose actual value is difficult to determine, such as: raw materials, work in progress, finished products, etc. As a result, such enterprises often face the problem of capital turnover difficulties. [0003] In the scenario of supply chain financing, since the above-mentioned current assets may be involved in the production process, in order to avoid affecting production, a dynamic pledge method can be adopted. The dynamic pledg...

AI Technical Summary

Problems solved by technology

[0002] The traditional mortgage loan method has high requirements on the main credit of the borrower, inflexible identification standards for effective assets, and low credit line, while small and medium-sized enterprises such as distributors, wholesalers, and retailers in the supply chain usually have low credit ratings. High, most of the assets owned are inventory current assets whose actual value is difficult to determine, such as: raw materials, work in progress, finished products, etc., causing such enterprises often face the problem of capital turnover difficulties

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