Credit granting and financing method and system based on historical and real-time transaction data of block chain

Abstract

The invention relates to the technical field of block chains, discloses a credit financing method and system based on historical and real-time transaction data of a block chain, and aims to solve the problems that an existing financing implementation method is tedious in process, poor in timeliness and weak in fund risk control capability. The scheme mainly comprises the following steps: uploading historical trade transaction data of a customer to a block chain for evidence storage; the customer selects a financing product provided by the bank mechanism through the financing platform, and initiates a corresponding credit granting request to the bank mechanism; the bank institution obtains historical trade transaction data corresponding to the customer information from the block chain, performs credit assessment by using an internal credit model, and feeds back a credit result to the financing platform; and the client uplinks the real-time transaction data to the block chain through the financing platform, the bank mechanism obtains the real-time transaction data from the block chain, approves a financing application based on a financing order and a credit granting result of the real-time transaction data, and determines whether to loan or not. The financing service efficiency and the fund risk control capability are improved.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology, and specifically to a credit financing method and system based on historical and real-time transaction data of blockchain. Background Art

[0002] In the modern wholesale and retail industry, supply chain financing plays an important role in promoting trade circulation. When a customer needs financing, he needs to first obtain credit. Credit refers to the maximum financing limit or risk limit that the bank is willing and able to bear for a specific customer. After the bank grants a certain credit line to the customer, the customer can apply for loans, guarantees and other on-balance sheet or off-balance sheet financing businesses within the credit line. In the credit business, credit is an important risk control strategy and a key link for financial institutions to conduct risk management and capital circulation. It aims to assess the credit status and repayment ability of the borrower and ensure the controllability of loan risks. The credit granting process usually includes credit assessment, limit determination, interest rate and conditions, monitoring and adjustment.

[0003] In the existing technology, supply chain financial services usually rely on offline manual interaction. Customers usually submit a series of paper materials to banking institutions offline, including business licenses, financial statements, tax certificates, contract orders, etc. In addition, banking institutions will also use external credit reporting systems to query customers' credit records and credit ratings, and may also entrust third-party institutions to conduct audits or assessments to obtain more objective data as the basis for the bank's credit decision. Under this conventional model, due to the lack of an effective credit assessment mechanism and transparent and reliable transaction history data, and the authenticity of paper materials is discounted, banking institutions are more cautious when making credit decisions, resulting in a slow and difficult credit granting process, accompanied by cumbersome processes, poor timeliness, and insufficient financial risk control capabilities, resulting in a poor user experience. Summary of the invention

[0004] This application aims to solve the problems of cumbersome process, poor timeliness and insufficient financial risk control capabilities in existing financing methods, and proposes a supply chain credit financing method and system based on historical and real-time transaction data of blockchain.

[0005] The technical solution adopted by this application to solve the above technical problems is:

[0006] In a first aspect, the present application provides a credit financing method based on historical and real-time transaction data of blockchain, the method comprising:

[0007] The financing platform obtains the customer's historical trade transaction data by connecting to the internal management system of the customer or the customer's upstream supplier, and uploads the customer's historical trade transaction data to the supply chain financing blockchain for evidence storage;

[0008] The customer selects a financing product provided by a banking institution through the financing platform and initiates a corresponding credit request to the banking institution, wherein the credit request includes customer information and financing product information;

[0009] After receiving the credit request, the bank institution obtains the historical trade transaction data corresponding to the customer information from the supply chain financing blockchain, performs a credit assessment based on the historical trade transaction data and the bank's internal credit model, and feeds back the credit result to the financing platform;

[0010] The customer selects an effective material trade order as a financing order through the financing platform, and uploads the financing order and the required financing application as real-time transaction data to the supply chain financing blockchain for evidence storage, and initiates a corresponding financing request to the banking institution;

[0011] After receiving the financing request, the banking institution obtains real-time transaction data from the supply chain financing blockchain, approves the financing application based on the financing order and credit result, and determines whether to grant the loan based on the approval result.

[0012] Furthermore, the historical trade transaction data includes one or more of historical order data, purchase contract data, and historical in-and-out warehouse scanning data.

[0013] Furthermore, the financing order of the real-time transaction data includes basic information of product materials, quantity, amount, and upstream supplier information, and the financing application of the real-time transaction data includes selected financing order information, customer basic information, bank financing product information, and bank account information of the financing received.

[0014] Furthermore, the customer information includes a customer name and a customer identity code, and the customer identity code is a social unified credit code, an organization code or a personal ID number.

[0015] Furthermore, the historical trade transaction data and the real-time transaction data are uploaded to the supply chain financing blockchain to form trusted digital asset data. The method for a banking institution to obtain trusted digital asset data from the supply chain financing blockchain includes:

[0016] Based on the credit request, the financing platform accesses the ledger data from the supply chain financing blockchain through the hash value returned after being uploaded to the chain, obtains the corresponding trusted digital asset data, and immediately sends the trusted digital asset data to the banking institution.

[0017] Furthermore, the historical trade transaction data and the real-time transaction data are uploaded to the supply chain financing blockchain to form trusted digital asset data, and the method for a banking institution to obtain trusted digital asset data from the supply chain financing blockchain also includes:

[0018] Through cross-chain interaction technology, trusted interactive communication is established between the banking institution’s own blockchain and the supply chain financing blockchain, and the trusted digital asset data is transmitted from the supply chain financing blockchain to the banking institution’s own blockchain. The banking institution accesses the ledger data from its own blockchain and obtains the corresponding trusted digital asset data.

[0019] Furthermore, the historical trade transaction data and the real-time transaction data are uploaded to the supply chain financing blockchain to form trusted digital asset data, and the method for a banking institution to obtain trusted digital asset data from the supply chain financing blockchain also includes:

[0020] Deploy blockchain network nodes in banking institutions and use them as sub-nodes of the supply chain financing blockchain. Use the sub-nodes and the supply chain financing blockchain to reach consensus and package transactions. Obtain the corresponding trusted digital asset data by accessing the ledger data of the sub-nodes.

[0021] In a second aspect, the present application provides a credit financing system based on historical and real-time transaction data of blockchain, the system comprising:

[0022] Supply chain financing blockchain is used to store historical trade transaction data and real-time transaction data of customers on the chain to form credible data asset data;

[0023] The financing platform is used to connect to the internal management system of the customer or the customer's upstream supplier, obtain the customer's historical trade transaction data, and upload the customer's historical trade transaction data to the supply chain financing blockchain; the customer selects the financing product provided by the banking institution and initiates a corresponding credit request to the banking institution, and the credit request includes customer information and financing product information; and the customer selects an effective material trade order as a financing order, and uploads the financing order and the required financing application as real-time transaction data to the supply chain financing blockchain, and initiates a corresponding financing request to the banking institution;

[0024] A banking institution is used to, after receiving a credit request, obtain historical trade transaction data corresponding to customer information from the supply chain financing blockchain, conduct a credit assessment based on the historical trade transaction data and the bank's internal credit model, and feed back the credit result to the financing platform; and after receiving a financing request, obtain real-time transaction data from the supply chain financing blockchain, approve the financing application based on the financing order and the credit result, and determine whether to grant the loan based on the approval result.

[0025] Furthermore, the historical trade transaction data includes one or more of historical order data, purchase contract data, and historical in-and-out warehouse scanning data.

[0026] Furthermore, the financing order of the real-time transaction data includes basic information of product materials, quantity, amount, and upstream supplier information, and the financing application of the real-time transaction data includes selected financing order information, customer basic information, bank financing product information, and bank account information of the financing received.

[0027] The beneficial effects of this application are: the credit financing method and system based on historical and real-time transaction data of blockchain provided by this application, based on blockchain technology, uses the decentralized, tamper-proof and consensus trust mechanism of blockchain to build a trusted asset chain system as the technical foundation of the platform's trusted online environment, and undertakes the capabilities of trusted data interaction and data chain storage. Achieving efficient and trusted interaction with the online environment of banking institutions not only improves the efficiency of financing services and the ability to control capital risks, but also provides financing customers with a better user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] Figure 1 A flowchart of a credit financing method based on historical and real-time transaction data of blockchain provided in an embodiment of the present application. DETAILED DESCRIPTION

[0029] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application.

[0030] The technical solution of the embodiment of the present application is applicable to the application scenario of supply chain financing. At present, when supply chain customers need financing, they usually need to submit relevant certification materials offline to banking institutions, such as business licenses, financial statements, tax certificates, contract orders, etc. This method is not only cumbersome and inefficient, but also difficult to ensure the authenticity of paper materials.

[0031] Based on this, the technical solution of the present application is proposed. In the embodiment of the present application, the financing platform obtains the customer's historical trade transaction data by connecting to the internal management system of the customer or the customer's upstream supplier, and uploads the customer's historical trade transaction data to the supply chain financing blockchain for evidence storage; before the customer needs financing, the customer selects a financing product provided by a banking institution through the financing platform, and initiates a corresponding credit request to the banking institution, wherein the credit request includes customer information and financing product information; after receiving the credit request, the banking institution obtains the historical trade transaction data corresponding to the customer information from the supply chain financing blockchain, performs a credit assessment based on the historical trade transaction data and using the bank's internal credit model, and feeds back the credit result to the financing platform and the customer side; when the customer needs financing, the financing platform can connect to the internal management system of the customer or the customer's upstream supplier to obtain a material trade order that has been issued and is effective, or the customer can create a new material trade order on the financing platform, and transmit the order to the internal management system of the customer or the customer's upstream supplier for approval, and return the effective status to the financing platform after the order takes effect. The customer selects an effective material trade order as a financing order through the financing platform, and uploads the financing order and the required financing application as real-time transaction data to the supply chain financing blockchain for evidence storage, and initiates a corresponding financing request to a banking institution; after receiving the financing request, the banking institution obtains real-time transaction data from the supply chain financing blockchain, namely the financing order and financing application data, and then approves the financing application based on the financing order and the credit result, and determines whether to grant the loan based on the approval result.

[0032] Specifically, this application is based on blockchain technology, and uses the decentralization, immutability, and consensus trust mechanism of blockchain to build a trusted asset chain system as the technical foundation of the platform's trusted online environment, and undertake capabilities such as trusted data interaction and data on-chain evidence storage. After the customer's historical and real-time transaction data is uploaded to the chain, it will be stored in the distributed ledger of each node of the blockchain through the consensus and packaged transactions of each node of the blockchain. Based on the decentralized distributed ledger and immutability of the blockchain, the historical and real-time transaction data of the chained customers will be formed into a trusted digital asset as the basis for credit financing. Realizing efficient and trusted interaction with the online environment of banking institutions not only improves the efficiency of financing services and the ability to control capital risks, but also provides financing customers with a better user experience.

[0033] The technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, rather than all the embodiments.

[0034] See also Figure 1 The credit financing method based on historical and real-time transaction data of blockchain provided in this application includes the following steps:

[0035] S1. The financing platform obtains the customer's historical trade transaction data by connecting to the internal management system of the customer or the customer's upstream supplier, and uploads the customer's historical trade transaction data to the supply chain financing blockchain for evidence storage;

[0036] In practical applications, a supply chain financing blockchain network is constructed, and blockchain technology is used to issue tokens to replace the value of traditional financial supply chain basic value objects. Data that can represent historical trade transactions will be uploaded to the supply chain financing blockchain for evidence storage to form credible data assets. Historical trade transaction data includes historical order data, procurement contract data, historical in-and-out warehouse scanning data, etc.

[0037] S2. The customer selects a financing product provided by a banking institution through the financing platform and initiates a corresponding credit request to the banking institution, wherein the credit request includes customer information and financing product information;

[0038] The financing platform is a system platform for supply chain financial services built on the advanced supply chain financing blockchain technology. It is responsible for reliable docking with the systems of various banking institutions and providing customers with unified supply chain financial services. It shoulders the important responsibility of connecting with the systems of various banking institutions in a safe, reliable and trustworthy manner, aiming to carefully provide comprehensive, unified, efficient and convenient supply chain financial services to our customers.

[0039] In actual applications, the financing platform connects with banking institutions and introduces financing products. Customers select financing products provided by banking institutions through the financing platform and initiate a credit request including customer information and financing product information. When the customer is an individual, the customer information includes the customer's name and the customer's ID number. When the customer is a company or other organization, the customer information is the customer's name and the customer's social unified credit code or organization code.

[0040] S3. After receiving the credit request, the bank institution obtains the historical trade transaction data corresponding to the customer information from the supply chain financing blockchain, performs a credit assessment based on the historical trade transaction data and the bank's internal credit model, and feeds back the credit result to the financing platform;

[0041] In the embodiment of the present application, banking institutions can obtain historical trade transaction data corresponding to customer information from the supply chain financing blockchain in three ways, which can be selected according to specific circumstances in actual applications.

[0042] The first is that the financing platform accesses the blockchain ledger data based on the customer information in the credit request and the hash value returned after the supply chain financing blockchain is uploaded to the chain, obtains the corresponding historical trade transaction data, and immediately sends the historical trade transaction data to the banking institution. In actual applications, the financing platform is responsible for obtaining the corresponding historical trade transaction data from the supply chain financing blockchain and passing the downloaded data to the banking institution system through the API interface. This method is simple to implement and can be quickly integrated into existing systems. It allows decoupling between the verified party and the verifier, allowing both parties to work independently, but the security depends on the security of the API.

[0043] The second is to establish trusted interactive communication between the bank's own blockchain and the supply chain financing blockchain through cross-chain interaction technology, and transmit historical trade transaction data from the supply chain financing blockchain to the bank's own blockchain. The bank accesses the ledger data from its own blockchain and obtains the historical trade transaction data corresponding to the customer information in the credit request. In practical applications, this method can achieve interoperability between different blockchain platforms, not limited to a single blockchain platform, and improve the transparency and traceability of the verification process. However, the implementation of cross-chain technology is relatively complex and requires dealing with compatibility issues between different blockchains. It may also introduce additional delays and costs, especially when multiple different blockchain platforms are involved.

[0044] The third method is to deploy blockchain network nodes in banking institutions and use them as sub-nodes of the supply chain financing blockchain. Consensus and package transactions are carried out through the sub-nodes and the supply chain financing blockchain. By accessing the ledger data of the sub-nodes, historical trade transaction data corresponding to the customer information in the credit request is obtained.

[0045] In actual applications, banking institutions deploy blockchain network nodes as sub-nodes of the supply chain financing blockchain, and complete data consensus and packaged transactions on the supply chain financing blockchain through this sub-node. This method allows the verifier to verify directly on the supply chain financing blockchain sub-node in the local network environment, reducing network latency, improving verification efficiency, and making it easier for the verifier to control the verification process in more detail. However, it is necessary to deploy and run a sub-node of the supply chain financing blockchain on the banking institution side, which increases maintenance costs and complexity.

[0046] After receiving the credit request, the banking institution obtains the current customer's historical trade transaction data from the supply chain financing blockchain through the three trusted interaction methods mentioned above, such as historical order data, historical sales contract data, historical inventory data, etc., and then uses its internal credit model to evaluate and complete the customer's financing credit process, and feeds back the credit results to the financing platform to complete the customer's financing credit.

[0047] Among them, the credit model is an important tool for financial institutions to make loan decisions. By comprehensively analyzing the credit status of borrowers, it helps banks accurately assess loan risks. With the help of big data and artificial intelligence technology, the credit model can improve credit approval efficiency, reduce non-performing loan rates, and promote the healthy development of the financial market.

[0048] S4. The customer selects an effective material trade order as a financing order through the financing platform, and uploads the financing order and the required financing application as real-time transaction data to the supply chain financing blockchain for evidence storage, and initiates a corresponding financing request to the banking institution;

[0049] In actual applications, after the customer's credit is successfully granted, the financing platform can connect to the internal management system of the customer or the customer's upstream supplier to obtain the issued and effective material trade order. The customer can also create a new material trade order on the financing platform and transmit the order to the internal management system of the customer or the customer's upstream supplier for approval. After the order takes effect, the effective status will be returned to the financing platform. The customer selects the issued and effective material trade order as the financing order on the financing platform, and uploads the financing order and the required financing application data as real-time transaction data to the supply chain financing blockchain. After the chain is successfully uploaded, the corresponding financing request is initiated to the banking institution.

[0050] Among them, the financing order includes the basic information of product materials, quantity, amount, and upstream supplier information; the financing application includes the financing order information, basic customer information, bank financing product information, bank account information where the financing is received, etc.

[0051] S5. After receiving the financing request, the banking institution obtains real-time transaction data from the supply chain financing blockchain, approves the financing application based on the financing order and credit result, and determines whether to grant the loan based on the approval result.

[0052] After receiving a financing request, the banking institution obtains real-time transaction data from the supply chain financing blockchain in the same way as obtaining historical trade transaction data corresponding to customer information from the supply chain financing blockchain. Both methods involve banking institutions obtaining trusted digital asset data from the supply chain financing blockchain. The following three methods can also be used, and can be selected according to specific circumstances in actual applications.

[0053] The first is the hash value returned by the financing platform after it is uploaded to the supply chain financing blockchain, accessing the blockchain ledger data, obtaining the corresponding financing order and financing application data, and immediately sending the financing order and financing application data to the banking institution.

[0054] The second is to establish trusted interactive communication between the bank’s own blockchain and the supply chain financing blockchain through cross-chain interaction technology, transmit the financing order and financing application data from the supply chain financing blockchain to the bank’s own blockchain, and the bank accesses the ledger data from its own blockchain to obtain the financing order and financing application data.

[0055] The third method is to deploy blockchain network nodes in banking institutions and use them as sub-nodes of the supply chain financing blockchain. Consensus and package transactions are carried out through the sub-nodes and the supply chain financing blockchain, and financing orders and financing application data are obtained by accessing the ledger data of the sub-nodes.

[0056] Specifically, after obtaining real-time transaction data, namely financing orders and financing applications, banking institutions will review and approve financing applications based on financing orders and credit results. After the internal approval process of the banking institution is completed, the financing loan funds will be released to the customer's bank account or entrusted to be paid to the upstream supplier to complete the loan.

[0057] In summary, the credit financing method based on historical and real-time transaction data of blockchain provided in the embodiment of the present application is based on blockchain technology, and utilizes the decentralization, immutability and consensus trust mechanism of blockchain to build a trusted asset chain system as the technical foundation of the platform's trusted online environment, and undertakes the capabilities of trusted data interaction, data on-chain evidence storage, etc. It avoids the existing slow and difficult credit lending process, which is accompanied by cumbersome processes, poor timeliness and insufficient financial risk control capabilities, and realizes efficient and trusted interaction with the online environment of banking institutions, which not only improves the efficiency of financing services and financial risk control capabilities, but also provides financing customers with a better user experience.

[0058] Based on the above technical solution, this embodiment also proposes a credit financing system based on historical and real-time transaction data of blockchain, the system comprising:

[0059] Supply chain financing blockchain is used to store historical trade transaction data and real-time transaction data of customers on the chain to form credible data asset data;

[0060] The financing platform is used to connect to the internal management system of the customer or the customer's upstream supplier, obtain the customer's historical trade transaction data, and upload the customer's historical trade transaction data to the supply chain financing blockchain; the customer selects the financing product provided by the banking institution and initiates a corresponding credit request to the banking institution, and the credit request includes customer information and financing product information; and the customer selects an effective material trade order as a financing order, and uploads the financing order and the required financing application as real-time transaction data to the supply chain financing blockchain, and initiates a corresponding financing request to the banking institution;

[0061] A banking institution is used to, after receiving a credit request, obtain historical trade transaction data corresponding to customer information from the supply chain financing blockchain, conduct a credit assessment based on the historical trade transaction data and the bank's internal credit model, and feed back the credit result to the financing platform; and after receiving a financing request, obtain real-time transaction data from the supply chain financing blockchain, approve the financing application based on the financing order and the credit result, and determine whether to grant the loan based on the approval result.

[0062] It can be understood that since the credit financing system based on historical and real-time transaction data of blockchain described in the embodiment of the present application is a system for implementing the credit financing method based on historical and real-time transaction data of blockchain described in the embodiment, for the system disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple. For relevant matters, please refer to the partial description of the method, which will not be repeated here.

Claims

1. A credit financing method based on historical and real-time transaction data of blockchain, characterized in that: The method comprises: The financing platform obtains the customer's historical trade transaction data by connecting to the internal management system of the customer or the customer's upstream supplier, and uploads the customer's historical trade transaction data to the supply chain financing blockchain for evidence storage; The customer selects a financing product provided by a banking institution through the financing platform and initiates a corresponding credit request to the banking institution, wherein the credit request includes customer information and financing product information; After receiving the credit request, the bank institution obtains the historical trade transaction data corresponding to the customer information from the supply chain financing blockchain, performs a credit assessment based on the historical trade transaction data and the bank's internal credit model, and feeds back the credit result to the financing platform; The customer selects an effective material trade order as a financing order through the financing platform, and uploads the financing order and the required financing application as real-time transaction data to the supply chain financing blockchain for evidence storage, and initiates a corresponding financing request to the banking institution; After receiving the financing request, the banking institution obtains real-time transaction data from the supply chain financing blockchain, approves the financing application based on the financing order and credit result, and determines whether to grant the loan based on the approval result.

2. The credit financing method based on historical and real-time transaction data of blockchain according to claim 1 is characterized in that: The historical trade transaction data includes one or more of historical order data, purchase contract data, and historical in-and-out warehouse scanning data.

3. The credit financing method based on historical and real-time transaction data of blockchain according to claim 1 is characterized in that: The financing order of the real-time transaction data includes basic information of product materials, quantity, amount, and upstream supplier information, and the financing application of the real-time transaction data includes selected financing order information, basic customer information, bank financing product information, and bank account information where the financing is received.

4. The credit financing method based on historical and real-time transaction data of blockchain according to claim 1 is characterized in that: The customer information includes the customer name and customer identity code, and the customer identity code is a social unified credit code, an organization code or a personal ID number.

5. The credit financing method based on historical and real-time transaction data of blockchain according to claim 1 is characterized in that: The historical trade transaction data and real-time transaction data are uploaded to the supply chain financing blockchain to form trusted digital asset data. The method for a banking institution to obtain trusted digital asset data from the supply chain financing blockchain includes: Based on the credit request, the financing platform accesses the ledger data from the supply chain financing blockchain through the hash value returned after being uploaded to the chain, obtains the corresponding trusted digital asset data, and immediately sends the trusted digital asset data to the banking institution.

6. The credit financing method based on historical and real-time transaction data of blockchain according to claim 1 is characterized in that: The historical trade transaction data and real-time transaction data are uploaded to the supply chain financing blockchain to form trusted digital asset data. The method for a banking institution to obtain trusted digital asset data from the supply chain financing blockchain also includes: Through cross-chain interaction technology, trusted interactive communication is established between the banking institution’s own blockchain and the supply chain financing blockchain, and the trusted digital asset data is transmitted from the supply chain financing blockchain to the banking institution’s own blockchain. The banking institution accesses the ledger data from its own blockchain and obtains the corresponding trusted digital asset data.

7. The credit financing method based on historical and real-time transaction data of blockchain according to claim 1 is characterized in that: The historical trade transaction data and real-time transaction data are uploaded to the supply chain financing blockchain to form trusted digital asset data. The method for a banking institution to obtain trusted digital asset data from the supply chain financing blockchain also includes: Deploy blockchain network nodes in banking institutions and use them as sub-nodes of the supply chain financing blockchain. Use the sub-nodes and the supply chain financing blockchain to reach consensus and package transactions. Obtain the corresponding trusted digital asset data by accessing the ledger data of the sub-nodes.

8. A credit financing system based on historical and real-time transaction data of blockchain, characterized by: The system comprises: Supply chain financing blockchain is used to store historical trade transaction data and real-time transaction data of customers on the chain to form credible data asset data; The financing platform is used to connect to the internal management system of the customer or the customer's upstream supplier, obtain the customer's historical trade transaction data, and upload the customer's historical trade transaction data to the supply chain financing blockchain; the customer selects the financing product provided by the banking institution and initiates a corresponding credit request to the banking institution, and the credit request includes customer information and financing product information; and the customer selects an effective material trade order as a financing order, and uploads the financing order and the required financing application as real-time transaction data to the supply chain financing blockchain, and initiates a corresponding financing request to the banking institution; A banking institution is used to, after receiving a credit request, obtain historical trade transaction data corresponding to customer information from the supply chain financing blockchain, conduct a credit assessment based on the historical trade transaction data and the bank's internal credit model, and feed back the credit result to the financing platform; and after receiving a financing request, obtain real-time transaction data from the supply chain financing blockchain, approve the financing application based on the financing order and the credit result, and determine whether to grant the loan based on the approval result.

9. The credit financing system based on historical and real-time transaction data of blockchain according to claim 8 is characterized in that: The historical trade transaction data includes one or more of historical order data, purchase contract data, and historical in-and-out warehouse scanning data.

10. The credit financing system based on historical and real-time transaction data of blockchain according to claim 8 is characterized in that: The financing order of the real-time transaction data includes basic information of product materials, quantity, amount, and upstream supplier information, and the financing application of the real-time transaction data includes selected financing order information, basic customer information, bank financing product information, and bank account information where the financing is received.

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