Financial Product Issuance Review Method, System and Device Based on Consortium Blockchain

Abstract

The present invention discloses a financial product issuance review method based on a consortium blockchain: the issuance review consortium blockchain obtains a project establishment request application, triggers a smart contract to pre-review the project, uploads the opinion of agreeing to project establishment, and at the same time triggers the smart contract on the issuance review consortium blockchain to forward the notice of agreeing to project establishment by the consensus nodes to various other backup nodes participating in due diligence and the backup nodes assign backup nodes to provide due diligence materials; the issuance review consortium blockchain triggers the consensus nodes to conduct a review and provide a preliminary due diligence opinion to the issuance review consortium blockchain; the issuance review consortium blockchain notifies the consensus nodes to provide review opinions and finally provides a decision-making opinion to the issuance review consortium blockchain and notifies the consensus nodes of the final issuance review result to issue a notice to execute the project issuance. The present invention realizes the transparency and controllability of the entire process of issuance review in a multi-center manner based on the consortium blockchain, provides a simpler and more efficient consensus service, shortens the time for financial product issuance and review processing, reduces the cost of remote reading and writing, and ensures security.

Description

Technical Field

[0001] The present invention belongs to the technical field of blockchain, and particularly relates to a financial product issuance and review method, system and device based on a consortium blockchain. Technical Background

[0002] Compared with the mature financial services in foreign markets, the financial services of domestic banks are still relatively blank. From the perspectives of business and data, there are many pain points. For example, due to the high cost factor in the financial product issuance and review process, when traditional financial products perform the issuance and review function, there are usually problems such as difficult capital-side docking and low data transfer efficiency, which cannot meet the efficient issuance and review of financial products. The application of blockchain technology in the financial field and its impact on fintech are increasing. Using blockchain technology can reduce the cost of financial product issuance and review and improve the efficiency of financial product issuance and review.

[0003] Blockchain is essentially a collective term for several technical solutions, including peer-to-peer network transmission protocols, encryption algorithms, distributed consensus mechanisms, and smart contracts. In commercial applications, the most prominent blockchain is the consortium blockchain. The consortium blockchain refers to a blockchain established by the participation of specific organizations or individuals, with multiple nodes commonly permitted within the group as bookkeepers, and consensus rules are formulated to complete block generation. Other access nodes can send transactions and can only perform limited queries and do not participate in the consensus process. The consortium blockchain adopts a multi-center approach, sets permissions and controls, and provides a more simple and efficient consensus service.

[0004] Generally, in the process of the consortium blockchain executing transactions, for example, its transaction processing process is as follows: After the consortium blockchain is normally started, the user generates legal identity certificates, signature private keys and other files from the authentication node or through tools based on the user (client / mobile) node, obtains a legal node identity, and enters the network after authentication. In this way, the user can normally send transactions to the network for request processing. (1) The user node sends a signed proposal message to the endorsement node for request processing; (2) The endorsement node simulates the execution of the transaction proposal and signs the endorsement; (3) The endorsement node returns a proposal response message to the client and distributes the clear text of the private data; (4) The user node processes the proposal response message; (5) Sends the transaction data to the ordering node for request sorting; (6) The ordering node sorts the transactions and constructs a new block; (7) The master node requests the ordering node to send the channel ledger block; (8) The bookkeeping node verifies the transaction and submits the ledger; (9) The master node distributes the data and synchronizes the status; (10) The bookkeeping node verifies the transaction and submits the ledger. Summary of the Invention

[0005] Based on the above background and the problems existing in the prior art, the present invention intends to design a financial product issuance and review method based on a consortium blockchain, which can solve the problems of data sharing and flexible transfer and improve the efficiency of the financial product project establishment and issuance and review links.

[0006] To achieve these objects and other advantages of the present invention, a financial product issuance review method based on a consortium blockchain is provided, including the following steps:

[0007] The issuance review consortium blockchain obtains a project approval request from the first backup node and obtains the reading permission of the project approval information, and sends the project approval information to the first consensus node and triggers the first issuance review smart contract to conduct a preliminary review of the project approval;

[0008] Obtain the notice from the first issuance review smart contract that the first consensus node agrees to the project approval, and trigger the second issuance review smart contract to forward the notice to various other backup nodes and the second backup node participating in the due diligence;

[0009] The issuance review consortium blockchain obtains the due diligence materials provided by the third backup node assigned by various other backup nodes and the second backup node participating in the due diligence and sends them to the first consensus node, and notifies the fourth consensus node to conduct a review and provide a preliminary due diligence opinion;

[0010] The issuance review consortium blockchain notifies the first consensus node and the second consensus node to conduct a preliminary review of the preliminary due diligence opinion, and obtains the comprehensive preliminary review opinion provided by the first consensus node and the second consensus node. The issuance review consortium blockchain notifies the fourth consensus node to provide a review opinion again and provide a final decision opinion to form the final issuance review result of the project;

[0011] The issuance review consortium blockchain notifies the third consensus node of the final issuance review result of the project and executes the project issuance.

[0012] As an implementable manner, it further includes a pre-review step, specifically:

[0013] The issuance review consortium blockchain obtains the project approval application request initiated by the first backup node and the provided project approval application information;

[0014] The issuance review consortium blockchain obtains the project approval application request and the project approval application information of the first backup node, and verifies the identity information of the first backup node. After passing the verification, the project approval application request and the project approval application information are sent to the first consensus node and the second consensus node for review;

[0015] If the review result is obtained, the project approval application request and the identity information of the first backup node are verified through the fourth consensus node and then packaged and chained to the issuance review consortium blockchain.

[0016] As an implementable manner, it further includes the steps of the first consensus node and the second consensus node conducting a review, specifically:

[0017] The first consensus node verifies the relevant information of the opposing item application request and generates a verification result, where the relevant information includes at least cooperation intention, project source, node identity status, and project data;

[0018] The first consensus node generates a project approval report and opinions on project approval conditions based on the verification result;

[0019] Based on the project approval report and opinions on project approval conditions, the fourth consensus node triggers the third backup node to start the due diligence task;

[0020] The third backup node completes the due diligence task and submits the preliminary due diligence draft. The first consensus node and other backup nodes review and submit review opinions to the fourth consensus node;

[0021] The fourth consensus node conducts consensus verification. After passing the verification, it generates a block and submits the ledger to the issuance review alliance chain.

[0022] As an implementable manner, it further includes the review of the standard contract, including the following steps:

[0023] The second backup node triggers the first issuance review smart contract and starts the first consensus node to fill in the standard contract, and submits the standard contract review process to the third consensus node;

[0024] The third consensus node conducts preliminary review, recheck, and consensus verification on the standard contract. After passing the verification, it sends a confirmation notice to the first backup node, the third backup node, and other backup nodes;

[0025] The first backup node, the third backup node, and other backup nodes confirm the standard contract;

[0026] After the standard contract is confirmed, the issuance review alliance chain triggers the generation of the contract file storage process and stores it in the database.

[0027] As an implementable manner, it further includes the following steps:

[0028] After the issuance review alliance chain receives the initialization start of the project approval application, it installs the chain code that implements the smart contract;

[0029] Call the relevant chain code functions for instantiation. After completing the chain code deployment, call the chain code that implements the smart contract according to the actual scenario of the first backup node's project approval. After determining that the chain code is running normally by querying the chain code information, complete the deployment of the smart contract of the alliance chain. During the deployment process, it includes the formulation of endorsement policies, instantiation policies, and channel management policies.

[0030] As an implementable manner, it further includes a step of checking and executing. When there is a legal privacy data read / write set, the privacy data is dispersed, and the privacy data is distributed to the authorized fourth consensus node, third backup node, and third consensus node in the channel. At the same time, the projects that have passed the project establishment application are saved to the cached privacy database. In the case of the existence of a legal privacy data read / write set, the message module is called to disperse the privacy data, and the privacy data is distributed to the authorized fourth consensus node, third backup node, and third consensus node in the channel. At the same time, the projects that have passed the project establishment application are saved to the cached privacy database. Among them, the financial product issuance review system of the present invention is implemented as follows: after the initialization and startup of the consortium blockchain, the chain code for implementing the smart contract is installed, and then the relevant chain code functions are called for instantiation. After the chain code deployment is completed, the chain code for implementing the smart contract is called according to the actual scenario, and after querying the chain code information and determining that the chain code is running normally, the smart contract deployment of the consortium blockchain is completed; in the process of deploying the smart contract, the endorsement policy, instantiation policy, and channel management policy are formulated.

[0031] As an implementable manner, the first backup node provides project establishment application information by touching the visualization interface of the mobile terminal, triggering a button, a sensor, or a transducer on the visualization interface; the project establishment process includes: agreeing to establish a project, verifying the project establishment, and replying with the project establishment result.

[0032] A financial product issuance review system based on a consortium blockchain includes a pre-review acquisition module, a forwarding acquisition module, a notification acquisition module, a second notification module, and a notification execution module;

[0033] The pre-review acquisition module is configured to: the issuance review consortium blockchain acquires the project establishment request of the first backup node and acquires the reading permission of the project establishment information, and sends the project establishment information to the first consensus node and triggers the first issuance review smart contract to conduct a pre-review of the project establishment;

[0034] The forwarding acquisition module is configured to: acquire the notice from the first issuance review smart contract that the first consensus node agrees to establish a project, and trigger the second issuance review smart contract to forward the notice to various other backup nodes and the second backup node participating in the due diligence;

[0035] The notification acquisition module is configured to: the issuance review consortium blockchain acquires the due diligence materials provided by the third backup node assigned by various other backup nodes and the second backup node participating in the due diligence and sends them to the first consensus node, and notifies the fourth consensus node to conduct a review and provide a preliminary due diligence opinion;

[0036] The second notification module is configured to: the issuance review consortium chain notifies the first consensus node and the second consensus node to conduct a preliminary review of the due diligence preliminary review opinions, and obtains the comprehensive preliminary review opinions provided by the first consensus node and the second consensus node; the issuance review consortium chain notifies the fourth consensus node to provide a retrial opinion and provide a final decision opinion to form the final issuance review result of the project;

[0037] The notification execution module is configured to: the issuance review consortium chain notifies the third consensus node of the final issuance review result of the project and executes the project issuance.

[0038] A computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the following method steps are implemented:

[0039] The issuance review consortium chain obtains the project establishment request of the first backup node, obtains the reading permission of the project establishment information, sends the project establishment information to the first consensus node, and triggers the first issuance review smart contract to conduct a preliminary review of the project establishment;

[0040] Obtain the notice from the first issuance review smart contract that the first consensus node agrees to the project establishment, and trigger the second issuance review smart contract to forward the notice to various other backup nodes and the second backup node participating in the due diligence;

[0041] The issuance review consortium chain obtains the due diligence materials provided by the third backup node assigned by various other backup nodes and the second backup node participating in the due diligence and sends them to the first consensus node, notifies the fourth consensus node to conduct a review and provide due diligence preliminary review opinions;

[0042] The issuance review consortium chain notifies the first consensus node and the second consensus node to conduct a preliminary review of the due diligence preliminary review opinions, and obtains the comprehensive preliminary review opinions provided by the first consensus node and the second consensus node; the issuance review consortium chain notifies the fourth consensus node to provide a retrial opinion and provide a final decision opinion to form the final issuance review result of the project;

[0043] The issuance review consortium chain notifies the third consensus node of the final issuance review result of the project and executes the project issuance.

[0044] A financial product issuance review device based on a consortium chain includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the following method steps are implemented:

[0045] The issuance review consortium chain obtains the project establishment request of the first backup node, obtains the reading permission of the project establishment information, sends the project establishment information to the first consensus node, and triggers the first issuance review smart contract to conduct a preliminary review of the project establishment;

[0046] The first issuance review smart contract obtains the notice that the first consensus node agrees to the project establishment, and triggers the second issuance review smart contract to forward the notice to various other backup nodes and the second backup node participating in the due diligence;

[0047] The issuance review consortium chain obtains the due diligence materials provided by the third backup node assigned by various other backup nodes and the second backup node participating in the due diligence and sends them to the first consensus node, and notifies the fourth consensus node to conduct a review and provide a preliminary due diligence opinion;

[0048] The issuance review consortium chain notifies the first consensus node and the second consensus node to conduct a preliminary review of the preliminary due diligence opinion, and obtains the comprehensive preliminary review opinion provided by the first consensus node and the second consensus node. The issuance review consortium chain notifies the fourth consensus node to provide a re-review opinion and provide a final decision opinion to form the final issuance review result of the project;

[0049] The issuance review consortium chain notifies the third consensus node of the final issuance review result of the project and executes the project issuance.

[0050] Based on the above, the digitalization of the financial product issuance review mechanism implemented by using the consortium chain technology has at least the following beneficial effects:

[0051] 1. Utilize the advantages of the decentralized consortium chain to increase the transparency of the financial product issuance review process;

[0052] 2. Utilize the consensus verification link, anti-tampering structure and distributed technology of the consortium chain to effectively share data among all parties participating in the financial product issuance review link, realize traceability throughout the process, ensure the reliability of the financial product release execution, improve the efficiency of data flow, reduce costs, and ensure security;

[0053] 3. Based on the consortium blockchain, deploy the smart contract technology related to the present invention to improve the efficiency of issuance review and shorten the processing time. BRIEF DESCRIPTION OF THE DRAWINGS

[0054] Figure 1 It is a schematic diagram of the financial product issuance review process based on the consortium chain;

[0055] Figure 2 It is a schematic diagram of the financial product issuance review architecture based on the consortium chain. DETAILED DESCRIPTION OF THE INVENTION

[0056] In order to clearly illustrate the present invention and make the objectives, technical solutions and advantages of the embodiments of the present invention clearer, the following combines the drawings in the embodiments of the present invention and describes the technical solutions in the embodiments of the present invention clearly and completely, so that those skilled in the art can implement according to the description in the specification. The following will describe the technology of the present invention in detail in combination with the specific embodiments with reference to the drawings.

[0057] Figure 1 Shows an implementation form according to the present invention, and shows a schematic flow chart of the issuance and review of financial products based on the consortium blockchain, specifically including:

[0058] (1) Construct a financial product issuance review system based on the consortium blockchain, that is, the issuance review consortium blockchain, which is used to organize and plan the issuance review of projects. It can be described as a system of transactions implemented through the consortium blockchain. Based on this system, after receiving the project establishment notice from the first backup node (operator, mobile terminal / issuer, etc.), the issuance review consortium blockchain applies for the reading permission of the project establishment materials and adds tags according to the project level submitted by the first backup node, and sends the electronic version of the project establishment materials to the first consensus node (risk management department, risk control system, etc., risk management or control institutions) to trigger the first issuance review smart contract to pre-review the project;

[0059] Among them, the material upload by the first backup node also includes a mobile terminal visualization interface, including buttons, sensors or sensors for triggering the start of uploading project establishment review materials; the project establishment process includes: agreeing to project establishment, verifying project establishment, and replying to the project establishment result.

[0060] (2) The first issuance review smart contract uploads the opinions of the first consensus node agreeing to project establishment to the issuance review consortium blockchain, and at the same time triggers the second issuance review smart contract on the issuance review consortium blockchain to forward the notice of the first consensus node agreeing to project establishment to various other backup nodes (such as accounting firms, law firms, rating agencies, etc., compliance institutions) and the second backup node (business department or business institution) participating in the due diligence; it realizes deploying the issuance review consortium blockchain contract and formulating relevant strategies according to the financial product issuance review system, deploying the process of financial product issuance and review based on the consortium blockchain, which is used for the interface implementation of the financial product issuance review system in the consortium blockchain, and determining the docking of tasks and functions among different institutions. It can be described as realizing transactions through adjusting the corresponding interfaces through the consortium blockchain;

[0061] (3) Each type of other backup node and the second backup node (business department) participating in the due diligence assign the third backup node (third-party institution) to provide due diligence materials;

[0062] (4) The issuance review consortium blockchain recovers the due diligence materials and returns a notice to the first consensus node, notifies the fourth consensus node (issuance review committee, core system) to conduct a review and provides a preliminary due diligence opinion to the issuance review consortium blockchain; The first backup node needs to be pre-reviewed by the first consensus node and the fourth consensus node before project establishment. The specific implementation steps include:

[0063] (4.1) The first backup node initiates a project establishment application and uploads attachment materials;

[0064] (4.2) The issuance review consortium chain obtains the project application and annex materials of the first backup node, verifies the identity information of the first backup node, and sends the project application request to the first consensus node for review if the verification is passed;

[0065] (4.3) If the first consensus node approves the review, it will package and block the project application and the first backup node information to the issuance review consortium chain after verification by the fourth consensus node.

[0066] In the actual financial product issuance review process, the issuance review committee, as the fourth consensus node, agrees to initiate a project and sends an assignment to a third-party institution as the second backup node to simulate the execution of the proposal message, requests an endorsement of the signature of the simulation execution result, etc., and provides the due diligence preliminary review opinion to the risk management institution as the first consensus node. The risk management institution conducts comprehensive collation, provides a comprehensive preliminary review opinion, and returns the request message to the issuance review committee. After issuing a project review notice, compliance institutions such as law, accounting, and rating act as other backup nodes for review, the risk management institution and the registration and clearing institution act as the second consensus node for the issuance joint signature review, the risk management institution ranks the project initiation, the registration and clearing institution packages and blocks the project initiation, and then submits it to the risk supervision institution for verification as the third consensus node and submits the ledger.

[0067] (5) The issuance review consortium chain notifies the first consensus node to review the due diligence preliminary review opinion. The first consensus node provides a comprehensive preliminary review opinion and uploads it to the issuance review consortium chain. The issuance review consortium chain notifies the fourth consensus node to provide a review opinion and finally provides a decision-making opinion to the issuance review consortium chain; The specific implementation steps include:

[0068] (5.1) The first consensus node verifies the project application request information of the first backup node, including cooperation intention, project source, node identity situation, and project data;

[0069] (5.2) The first consensus node generates a project initiation report and project initiation condition opinions based on the verification results;

[0070] (5.3) After the project initiation is approved, the fourth consensus node triggers the third backup node to start the due diligence task;

[0071] (5.4) The third backup node completes the due diligence task, submits the due diligence preliminary draft, and the first consensus node and other backup nodes review and submit review opinions to the fourth consensus node;

[0072] (5.5) The fourth consensus node conducts consensus verification, and after passing, blocks and submits the ledger to the issuance review consortium chain;

[0073] (5.6) The issuance review consortium chain publishes the issuance review notice to all network nodes.

[0074] Among them, the review also includes: (5.7) Review of the standard contract, and the specific implementation steps include:

[0075] (5.7.1) The second backup node triggers the first review smart contract to start the first consensus node to fill in the standard contract and submit the standard contract review process;

[0076] (5.7.2) The third consensus node conducts a preliminary review and recheck of the standard contract, performs consensus verification, and sends the contract confirmation notice after passing the verification to the first backup node, the third backup node, and other backup nodes;

[0077] (5.7.3) Each node on the review alliance chain previews and confirms the standard contract through the mobile terminal;

[0078] (5.7.4) After the standard contract is confirmed, the review alliance chain triggers the generation of a contract file and stores it in the database.

[0079] After the fourth consensus node executes the review, it also includes checking the execution result. In the case of a legal privacy data read-write set, the message module is called to disperse the privacy data, and the privacy data is distributed to the authorized fourth consensus node, the third backup node, and the third consensus node in the channel. At the same time, the projects with approved project applications are saved to the cached privacy database.

[0080] (6) The review alliance chain notifies the third consensus node of the final project issuance review result to notify the execution of project issuance. The implementation of the alliance chain interface for the issuance review of financial products determines the docking of tasks and functions among different institutions through smart contracts. The specific implementation steps include:

[0081] (6.1) After the review alliance chain receives the initialization start of the project application, it installs the chain code that implements the smart contract;

[0082] (6.2) Then call the relevant chain code function for instantiation. After the chain code deployment is completed, call the chain code that implements the smart contract according to the actual scenario of the project application by the first backup node. After querying the chain code information and determining that the chain code is running normally, complete the deployment of the smart contract of the alliance chain;

[0083] (6.3) The formulation of endorsement policies, instantiation policies, and channel management policies is included in the process of deploying the smart contract.

[0084] Among them, a consensus algorithm between nodes is designed, which is used to reach a consensus on work permissions on the alliance chain to ensure the normal progress of data writing and work flow. In the system, the consensus algorithm is adopted between nodes to spread messages; the messages are encrypted and protected during the communication process between the above nodes.

[0085] Among them, the financial product issuance review method based on the consortium blockchain is implemented in a multi-center manner through the consortium blockchain. The participating nodes are set in advance and completed by the smart contract and relevant strategies. It is confirmed through the consensus mechanism and the security of project establishment among the consortia is ensured through encryption.

[0086] In some feasible embodiments, after the consortium blockchain is initialized and started, the chain code for implementing the smart contract is installed, and then the relevant chain code functions are called for instantiation. After the chain code deployment is completed, the chain code for implementing the smart contract is called according to the actual scenario. After querying the chain code information and determining that the chain code is running normally, the smart contract deployment of the consortium blockchain is completed; the formulation of endorsement strategies, instantiation strategies, and channel management strategies is included in the process of deploying the smart contract.

[0087] In the actual issuance review scenario, as Figure 2 shown, it shows the schematic diagram of the financial product issuance review architecture based on the consortium blockchain of the present invention. Adopting this solution has the advantage of effectively docking with the corresponding interfaces of the consortium blockchain. And this way is only an illustration of a preferred example, but not limited to this. When implementing the present invention, the implementation aspects of different scenarios can be processed according to the needs of users. The architecture for implementing the financial product issuance review process of the present invention can be specifically deployed mainly through the following embodiments:

[0088] The first backup node: the operator / mobile terminal / client, which is used to discover, create, and report projects, and also has the function of executing sales and issuance;

[0089] The second backup node: the business institution or business division, which is used to perform pricing, scheduling, product preview, listing and issuance, and sales after receiving the notice allowing the project to be issued, and send the sales notice to the registration and settlement institution;

[0090] The first consensus node: the risk management institution / risk control system, which is used to provide a comprehensive preliminary review opinion to the issuance review committee based on comprehensive analysis after obtaining the due diligence and preliminary review opinions of the third-party institution, and the issuance review committee conducts a review resolution on the criteria for entering the review and issues a project review notice;

[0091] The second consensus node: the registration and settlement institution, which is used to jointly conduct signature review for issuance with the risk management institution and transfer funds after listing and issuance;

[0092] The third consensus node: the risk supervision institution, which is used to review the signature review for issuance, obtain the project issuance review result, and return the notice allowing the project to be issued;

[0093] The fourth consensus node: the issuance review committee / core system, which is used to decide on project establishment and issue an assignment after obtaining the project that has been initially agreed to be established;

[0094] The third backup node: a third-party institution, which is used to receive the assignment of the issuance review committee and provide due diligence preliminary review opinions;

[0095] Other backup nodes: legal compliance institutions, which are used to provide format and non-format text contract reviews according to project review notices.

[0096] Among them, for the process of handling affairs corresponding to the consortium blockchain, the client and the business institution discover, create and report project requests for processing; the issuance review committee, the third-party institution and the risk supervision institution conduct endorsement, review and accounting for on-chain project establishment; the risk management institution, the legal compliance institution and the registration and liquidation institution conduct sorting, consensus, transactions and block production for on-chain project establishment.

[0097] The node operations are restricted by the role control and permission control information on the consortium blockchain. The relevant nodes can read the role control and permission control information to ensure the legality of the node's work. When the node's work is completed, the transfer information is written, and the entire consortium blockchain conducts role control and permission control authentication. The project establishment process includes: agreeing to project establishment, verifying project establishment, and replying with the project establishment result; the issuance review of the financial product of the present invention is completed by the consortium blockchain architecture. Each department / institution is an organization / node on the consortium blockchain, that is, the issuance review consortium blockchain.

[0098] The applications, modifications and changes to the issuance review of the financial product based on the consortium blockchain of the present invention are obvious to those skilled in the art.

[0099] As described above, according to the present invention, due to the effective mechanism of the consortium blockchain, the issuance review of the financial product of the present invention has effects such as high data transfer efficiency and high transparency.

[0100] The above description of the embodiments is for the convenience of those of ordinary skill in the art to understand and apply the present invention. It is obvious that those skilled in the art can easily make various modifications to the above embodiments and apply the general principles described herein to other embodiments without creative labor. Therefore, the present invention is not limited to the above embodiments, and the improvements and modifications made by those skilled in the art to the present invention according to the disclosure of the present invention should be within the protection scope of the present invention.

Claims

1. A financial product issuance review method based on a consortium blockchain, characterized in that, it includes the following steps: The issuance review consortium blockchain obtains a project approval request from the first backup node and obtains the reading permission for the project approval information, and sends the project approval information to the first consensus node and triggers the first issuance review smart contract to conduct a preliminary review of the project approval; Obtain the notice from the first issuance review smart contract that the first consensus node agrees to the project approval, and trigger the second issuance review smart contract to forward the notice to various other backup nodes and the second backup node participating in the due diligence; The issuance review consortium blockchain obtains the due diligence materials provided by the third backup node assigned by various other backup nodes and the second backup node participating in the due diligence and sends them to the first consensus node, and notifies the fourth consensus node to conduct a review and provide a preliminary due diligence opinion; The issuance review consortium blockchain notifies the first consensus node and the second consensus node to conduct a preliminary review of the preliminary due diligence opinion, and obtains the comprehensive preliminary review opinion provided by the first consensus node and the second consensus node. The issuance review consortium blockchain notifies the fourth consensus node to provide a review opinion again and provide a final decision opinion to form the final issuance review result of the project; The issuance review consortium blockchain notifies the third consensus node of the final issuance review result of the project and executes the project issuance; Among them, it also includes the steps of pre-review, specifically: The issuance review consortium blockchain obtains the project approval request initiated by the first backup node and the provided project approval information; The issuance review consortium blockchain obtains the project approval request and the project approval information of the first backup node, and verifies the identity information of the first backup node. After passing the verification, it sends the project approval request and the project approval information to the first consensus node and the second consensus node for review; Obtain the review result, and then package and block the project approval request and the identity information of the first backup node through the verification of the fourth consensus node to the issuance review consortium blockchain; Among them, it also includes the steps of the first consensus node and the second consensus node conducting a review, specifically: The first consensus node verifies the relevant information of the project approval request and generates a verification result. Among them, the relevant information includes at least the cooperation intention, project source, node identity situation, and project data; The first consensus node generates a project approval report and project approval condition opinions based on the verification result; Based on the project approval report and project approval condition opinions, the fourth consensus node triggers the third backup node to start the due diligence task; The third backup node completes the due diligence task and submits the preliminary due diligence draft. The first consensus node and other backup nodes review and submit review opinions to the fourth consensus node; The fourth consensus node conducts a consensus verification. After passing the verification, it blocks and submits the ledger to the issuance review consortium blockchain.

2. The financial product issuance review method based on a consortium blockchain according to claim 1, characterized in that, it also includes the review of the standard contract, including the following steps: The second backup node triggers the first issuance review smart contract and starts the first consensus node to fill in the standard contract, and submits the standard contract review process to the third consensus node; The third consensus node conducts a preliminary review, a review, and a consensus verification on the standard contract. After the verification passes, a confirmation notice is sent to the first backup node, the third backup node, and other backup nodes; The first backup node, the third backup node, and other backup nodes confirm the standard contract; After the standard contract is confirmed, the issuance review alliance chain triggers the generation of a contract file storage process and stores it in the database.

3. The method for issuing and reviewing financial products based on an alliance chain according to claim 1, wherein, it further includes the following steps: After the issuance review alliance chain receives the initialization start of the project establishment application, it installs the chain code for implementing the smart contract; Call relevant chain code functions for instantiation. After the chain code deployment is completed, call the chain code for implementing the smart contract according to the actual scenario of the project establishment of the first backup node. After determining that the chain code is running normally by querying the chain code information, complete the deployment of the smart contract of the alliance chain. Among them, the deployment process includes formulating endorsement strategies, instantiation strategies, and channel management strategies.

4. The method for issuing and reviewing financial products based on an alliance chain according to claim 1, wherein, it further includes an inspection and execution step. When there is a legal privacy data read-write set, the privacy data is decentralized and distributed to the fourth consensus node, the third backup node, and the third consensus node authorized within the channel. At the same time, the projects that pass the project establishment application are saved to the cached privacy database.

5. The method for issuing and reviewing financial products based on an alliance chain according to claim 1, wherein, The first backup node provides project establishment application information by touching the visual interface of the mobile terminal, triggering a button, a sensor, or a transducer on the visual interface; The project establishment process includes: agreeing to the project establishment, verifying the project establishment, and replying with the project establishment result.

6. A system for issuing and reviewing financial products based on an alliance chain, wherein, it includes an obtaining pre-review module, an obtaining forwarding module, an obtaining notice module, a second notice module, and a notice execution module; The obtaining pre-review module is configured to: the issuance review alliance chain obtains the project establishment request of the first backup node and obtains the reading permission of the project establishment information, and sends the project establishment information to the first consensus node and triggers the first issuance review smart contract to conduct a pre-review on the project establishment; The obtaining forwarding module is configured to: obtain the notice from the first issuance review smart contract that the first consensus node agrees to the project establishment, and trigger the second issuance review smart contract to forward the notice to various other backup nodes and the second backup node participating in the due diligence; The obtaining notice module is configured to: the issuance review alliance chain obtains the due diligence materials provided by the third backup node assigned by various other backup nodes and the second backup node participating in the due diligence and sends them to the first consensus node, and notifies the fourth consensus node to conduct a review and provide a preliminary due diligence opinion; The second notification module is configured to: the issuance review consortium chain notifies the first consensus node and the second consensus node to conduct a preliminary review of the due diligence preliminary review opinions, and obtains the comprehensive preliminary review opinions provided by the first consensus node and the second consensus node; the issuance review consortium chain notifies the fourth consensus node to provide a retrial opinion and provide a final decision opinion to form the final issuance review result of the project; The notification execution module is configured to: the issuance review consortium chain notifies the third consensus node of the final issuance review result of the project and executes the project issuance; Among them, it also includes a pre-review step, specifically: The issuance review consortium chain obtains the project establishment application request initiated by the first backup node and the provided project establishment application information; The issuance review consortium chain obtains the project establishment application request and project establishment application information of the first backup node, verifies the identity information of the first backup node, and after passing the verification, sends the project establishment application request and project establishment application information to the first consensus node and the second consensus node for review; If the review result is obtained, the project establishment application request and the identity information of the first backup node are verified through the fourth consensus node and then packaged and blocked to the issuance review consortium chain; Among them, it also includes the steps of the first consensus node and the second consensus node conducting a review, specifically: The first consensus node verifies the relevant information of the project establishment application request and generates a verification result, where the relevant information at least includes the cooperation intention, project source, node identity situation, and project data; The first consensus node generates a project establishment report and project establishment condition opinions based on the verification result; Based on the project establishment report and project establishment condition opinions, the fourth consensus node triggers the third backup node to start the due diligence task; The third backup node completes the due diligence task, submits the due diligence preliminary draft, and the first consensus node and other backup nodes review and submit review opinions to the fourth consensus node; The fourth consensus node conducts a consensus verification, and after passing the verification, blocks and submits the ledger to the issuance review consortium chain.

7. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by a processor, it implements the method steps described in any one of claims 1 to 5.

8. A financial product issuance review device based on a consortium chain, including a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the method steps described in any one of claims 1 to 5.

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