Block chain-based pre-loan diliary investigation data management system and method

Abstract

The invention discloses a pre-loan diligence survey data management system and method based on a block chain, and belongs to the technical field of advertisement data processing. A three-layer system of a project layer, a sharing layer and an auditing layer is established based on a block chain, the project layer opens financial projects and manages and analyzes project data templates, the auditing layer establishes a financial data auditing network based on a block chain network, the sharing layer is a public chain, and the sharing layer stores financial project sharing information and verification ciphertexts; the financial project auditing method guarantees that the financial project auditing process is open and transparent, the basic survey data are screened out, repeated survey of the basic survey data with high stability is avoided, the period of applying for the financial project by a user is shortened, the resource utilization rate is greatly improved, meanwhile, the application situation of the financial project is shared to the maximum extent through the sharing layer, and the user experience is improved. And the data cannot be tampered in the storage process through the Hash algorithm, so that the privacy security of the user and the investor is ensured while the data sharing is realized.

Description

technical field [0001] The invention relates to the technical field of advertising data processing, in particular to a blockchain-based pre-loan due diligence data management system and method. Background technique [0002] Pre-loan due diligence, also known as prudence investigation, refers to a series of activities in which the investor conducts on-site investigation and data analysis on all matters related to the investment in the target company after reaching a preliminary cooperation intention with the target company and through consensus; At present, there is no proprietary management platform for pre-loan due diligence based on traditional technology. Various intermediaries and investors use traditional Excel, Word and other electronic document tools to manage the data related to the due diligence work of investment companies. Some pre-loan due diligence methods lead to information asymmetry, low information confidentiality, and low information security among particip...

AI Technical Summary

Problems solved by technology

[0002] Pre-loan due diligence, also known as prudent investigation, refers to a series of activities in which investors conduct on-site investigations and data analysis of all matters related to this investment in the target company after reaching a preliminary cooperation intention with the target company; At present, there is no proprietary management platform for pre-loan due diligence based on traditional technology. Various intermediary agencies and investors use traditional electronic document tools such as Excel and Word to manage data related to due diligence of investment companies. Now Some pre-loan due diligence methods lead to information asymmetry, low information confidentiality, and low information security among participating institutions; at the same time, it is difficult to verify whether there are errors or tampering in the due diligence data, and the data review process is not open, making it difficult to obtain third-party Trust, it is difficult to verify the authenticity of due diligence;

[0003] The systems of different institutions are independent of each other. When there is business cooperation between institutions, it is difficult to ensure the privacy and security of users and investors while sharing data; Carrying out a new round of due diligence on the underlying assets, repeated basic data will cause a waste of labor, but the existing pre-loan due diligence method is difficult to ensure that the reused basic data has not been tampered with, and the existing pre-loan due diligence method has many hidden dangers. Many, urgently need to be resolved

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