CN107194801A - The financial block chain application process of supply chain based on block chain with sovereign right - Google Patents

Abstract

The invention discloses a kind of method of the financial block chain application of supply chain based on block chain technology with sovereign right, the present invention relates to block chain block chain field particularly with sovereign right, solution Supply chain financing rate is low, supply chain can not efficiently play the problem of effect of its credit, supply chain financial eco-environment circle cooperative development are by restricting.The application is based on block chain technology with sovereign right, build the block chain application platform suitable for China's supply chain finance, lift security, the trackability of supply chain financial application, build up mutual trust, reduce transaction cost, each node production capacity of whole piece supply chain and fund utilization rate are lifted, and supervisory node is provided for regulator, the financial whole process link of supply chain is exercised supervision.

Description

Supply chain financial blockchain application method based on sovereign blockchain

technical field

The invention relates to the technical field of block chain finance, in particular to a supply chain financial block chain application method based on a sovereign block chain.

Background technique

Supply Chain Finance (SCF) is a professional field of commercial bank credit business (bank level), and also a financing channel for enterprises, especially small and medium-sized enterprises (enterprise level). It refers to enterprises at the core of the industrial chain, relying on their high credit advantages to open up channels to obtain cheap funds, provide financing services to upstream and downstream customers in the industrial chain, obtain new profit growth points, and build a closer industrial chain ecosystem.

In the existing supply chain finance, credit sales have become the mainstream method of transactions. It is difficult for suppliers in the upper and middle reaches of the supply chain to obtain financial support from banks through "traditional" credit methods, and the shortage of funds will directly lead to stagnation in subsequent links , or even "broken link".

Existing supply chain financing is inefficient. The supply chain financial chain is long, involves many enterprises, the data is scattered, and the information transparency is low. It is difficult to establish an efficient and perfect dynamic data management model required by small and medium-sized enterprises, which restricts the timeliness of financing.

It is difficult for the existing supply chain finance to play its credit role efficiently. At present, there is no effective credit investigation system and perfect risk prevention measures, and it is difficult to eradicate the problem of counterfeit and shoddy products in the supply chain and the credit risks caused by it under the background of economic globalization.

The coordinated development of the existing supply chain financial ecosystem is restricted. Under the model where core enterprises occupy absolute control of funds in the supply chain, the capital flow ecology presents centralization, lacks detailed financial support, lacks the ability to tap the financial innovation potential of some logistics links, and fails to effectively integrate bank capital advantages for coordinated development.

Contents of the invention

In view of the above-mentioned prior art, the purpose of the present invention is to provide a supply chain financial blockchain application method based on the sovereign blockchain to solve the problem of low supply chain financing rate and inefficient supply chain in the prior art due to the limitations of supply chain data comprehensive capabilities. It plays its credit role, and at the same time, it also restricts technical issues such as the coordinated development of the supply chain financial ecosystem.

In order to achieve the above object, the technical scheme adopted in the present invention is as follows:

The supply chain financial blockchain application method based on the sovereign blockchain includes the following steps:

Step 1. Collect and integrate upstream and downstream enterprise information and trade information in the supply chain to obtain industrial data;

Step 2. Combining the big data model and the risk control analysis model, operate and process the industrial data, obtain the accounting record data as accounts, establish each sub-block chain record from the accounting record data and store each sub-block chain record to the corresponding block In , all blocks are used as the ledger of the blockchain accounting system;

Step 3. The supervisor supervises the industrial data input and the operation processing performed by the blockchain accounting system in steps 1 and 2 through the sovereign blockchain supervisory node.

In the above method, the step 1 also includes constructing a sovereign blockchain by conducting audit and management led by a state power entity to the nodes connected to the blockchain.

In the above-mentioned method, in step 2, operations are performed, including operations such as credit management, financing services, deposit and loan management, fund management and/or transaction management.

In the above method, in step 2, the industrial data is operated and processed by using the financial institution or the regulator as the billing party in combination with the big data model and the risk control analysis model.

In the above method, in step 2, after adding time stamps to the consensus accounts through the hash algorithm combined with the public-private key signature authentication method, each sub-block chain record is established.

In the above method, the step 2 also includes broadcasting the initial data and changed data of each block to all nodes in the blockchain in the blockchain accounting system, and this operation includes the following steps:

Step 1. A node in the blockchain puts the received data into a new block;

Step ②, the node continuously generates a random string to calculate the answer of the random number;

Step 3. When the answer obtained by the node's calculation matches the random number, broadcast its block to all nodes;

Step ④, other nodes verify the answer, and after the verification is passed, the block is judged to be valid and the block is received;

Step ⑤ When a new block is generated, the corresponding node adds the hash of the block it just received, and jumps to step ②.

In the above method, any one of steps 1 to 3 is carried out under a financial standard system with unified standards for data sharing and credit exchange.

In the above method, in step 1, the credit flow and capital flow in the supply chain are constructed through the shoulder pole model to create an interactive mechanism.

Compared with prior art, the beneficial effect of the present invention:

The first point is the integration of supply chain data, including the data of relevant parties in the entire supply chain, data of third-party financial institutions and data of regulators;

The second point is to carry out credit management, financing services, deposit and loan management, fund management, and transaction management for the entire industrial chain of the supply chain. Financial institutions combine big data and risk control analysis models to create a full-process blockchain accounting system to ensure transactions. Safe and transparent, realize the closed loop of capital flow;

Based on the second point, the data information of the whole process of supply chain finance and transaction information of related parties recorded in the blockchain ledger is a credible, reliable and non-tamperable distributed ledger system, which consists of timestamp, hash algorithm, key, The consensus algorithm ensures that it is traceable and cannot be tampered with;

The third point is to realize transaction records, evidence and accountability through the time stamp feature, build an effective credit investigation model, improve financing efficiency, inject credit guarantees for each node, and promote automatic ratings, automatic credit granting, and quick loans for high-quality customers in the supply chain ;Integrate bank credit into upstream and downstream enterprises, improve the security audit and industry supervision efficiency of supply chain financial behavior, and reduce supervision costs;

To sum up, the value of the blockchain application method for supply chain finance based on the sovereign blockchain in this application lies in the establishment of a blockchain application platform suitable for my country's supply chain finance, which connects the relevant parties in the entire supply chain, the first Three-party financial institutions and regulators improve the security and traceability of supply chain financial applications, establish mutual trust, reduce transaction costs, improve risk control and supervision capabilities, improve the production capacity and capital utilization of each node in the entire chain, and create overall value. .

Description of drawings

Fig. 1 is a schematic structural diagram of a supply chain financial block chain application method according to an embodiment of the present invention;

Fig. 2 is a schematic structural diagram of the application mode of the supply chain financial block chain application method according to the embodiment of the present invention.

detailed description

All features disclosed in this specification, or steps in all methods or processes disclosed, may be combined in any manner, except for mutually exclusive features and/or steps.

The present invention will be further described below in conjunction with accompanying drawing:

Example 1

The supply chain financial blockchain application method based on the sovereign blockchain includes the following steps:

Step 1, integrate the real background information data and trade information data of upstream and downstream enterprises in the supply chain;

Step 2. Combining big data and risk control analysis models, establish blockchain records for each branch through data, establish a full-process blockchain accounting system on the block, and perform credit management, financing services, deposit and loan for the entire industrial chain of the supply chain management, fund management, transaction management;

Step 3, through the data information of the whole process of supply chain finance and transaction information of related parties recorded in the blockchain ledger, the regulatory agency can obtain the supervisory node to supervise the whole process of supply chain finance.

The above-mentioned supply chain financial blockchain application method based on the sovereign blockchain, the sovereign blockchain embodies the national sovereignty framework, realizes the mutual recognition of different participants, and then forms the delivery, circulation, sharing and value-added of economic and social value blockchain.

The supply chain financial blockchain application method based on the sovereign blockchain connects the relevant party data of the entire supply chain, third-party financial institution data and regulator data into a blockchain platform to improve the security of supply chain financial applications , plasticity, establish mutual trust, reduce transaction costs, improve risk control and supervision capabilities, improve the production capacity and capital utilization of each node in the entire chain, and create overall value.

According to the blockchain application method of supply chain finance based on the sovereign blockchain, financial institutions combine big data and risk control analysis models to create a full-process blockchain accounting system to ensure transaction safety and transparency, and realize the closed loop of capital flow. Blockchain-based supply chain financial blockchain application platform.

According to the blockchain application method of supply chain finance based on the sovereign blockchain, the data information of the whole process of supply chain finance and the transaction information of related parties recorded in the blockchain ledger are credible, reliable and non-tamperable distributed ledgers. The system is traceable and cannot be tampered with by timestamps, hash algorithms, keys, and consensus algorithms. Realize transaction record, proof and accountability through the time stamp feature, build an effective credit investigation model, improve financing efficiency, inject credit guarantees for each node, promote automatic rating of supply chain enterprises, automatic credit granting, and quick loans to high-quality customers, and bank credit Integrate upstream and downstream enterprises, improve the efficiency of security audit and industry supervision of supply chain financial behavior, and reduce supervision costs.

In the supply chain financial block chain application method based on the sovereign block chain, the initial and change data of each block in the supply chain is broadcast to all nodes in the block chain; each node collects data into a block; Each node starts to continuously generate random strings and calculate the random number answer; when the answer obtained by a node matches the random number, it broadcasts the block it generates to all nodes; the node verifies the data, when the block When valid, all nodes accept the block; nodes start creating new blocks and add the hash of the block they just accepted to it.

The blockchain application method of supply chain finance based on the sovereign blockchain, through the construction of the blockchain supply chain financial standard system, constructs open data sharing and credit exchange standards, and improves the efficiency of credit investigation. Through the blockchain credit sharing mechanism, the supply chain ecosystem will be broadened, and the interconnection between different supply chain financial blockchains will be promoted.

The above-mentioned blockchain application method for supply chain finance based on the sovereign blockchain, constructs a blockchain supply chain financial technology standard system, and builds a unified process data exchange and sharing standard for the upstream and downstream links of the financial chain finance, so that based on the district The data information integrity and granularity of the supply chain financial management platform of the block chain are guaranteed.

The above-mentioned supply chain financial blockchain application method based on the sovereign blockchain constructs the interaction mechanism of "credit flow" and "capital flow" in supply chain finance, applies the "carrying pole model", and creates a sovereign block through blockchain technology Chain open shared supply chain financial system.

The "carrying pole model" mentioned above is a model about the structural relationship of blockchain technology (T), blockchain application (A), and digital finance (F), also known as the TAF model. Among them, the application of blockchain is the support pole, which supports the development of the two hot fields of blockchain technology and digital finance.

The above is only a specific embodiment of the present invention, but the scope of protection of the present invention is not limited thereto, any changes or substitutions that can be easily imagined by those skilled in the art within the technical scope disclosed in the present invention, All should be covered within the protection scope of the present invention.

Claims (8)

1. The blockchain application method of supply chain finance based on the sovereign blockchain, characterized in that it comprises the following steps: Step 1. Collect and integrate upstream and downstream enterprise information and trade information in the supply chain to obtain industrial data; Step 2. Combining the big data model and the risk control analysis model, operate and process the industrial data, obtain the accounting record data as accounts, establish each sub-block chain record from the accounting record data and store each sub-block chain record to the corresponding block In , all blocks are used as the ledger of the blockchain accounting system; Step 3. The supervisor supervises the industrial data input and the operation processing performed by the blockchain accounting system in steps 1 and 2 through the sovereign blockchain supervisory node. 2. The blockchain application method of supply chain finance based on the sovereign blockchain according to claim 1, characterized in that, the step 1 further includes the state power entity through the node that accesses the blockchain. Leading audit and management builds a sovereign blockchain. 3. The supply chain financial blockchain application method based on the sovereign blockchain according to claim 1, characterized in that, in the step 2, the operation processing includes credit management, financing services, deposit and loan management , money management and/or trade management operations. 4. The blockchain application method for supply chain finance based on the sovereign blockchain according to claim 1, characterized in that in step 2, wherein, by using a financial institution or a regulator as an accounting party in combination with big data The model and risk control analysis model operate and process industrial data. 5. The blockchain application method for supply chain finance based on the sovereign blockchain according to claim 1, characterized in that, in step 2, the consensus account is reached through a hash algorithm combined with a public-private key signature authentication method After adding the timestamp, each sub-block chain record is established. 6. The supply chain financial block chain application method based on the sovereign block chain according to claim 1, characterized in that, the step 2 also includes initial data of each block in the block chain accounting system and the changed data are broadcast to all nodes in the blockchain. This operation includes the following steps: Step 1. A node in the blockchain puts the received data into a new block; Step ②, the node continuously generates a random string to calculate the answer of the random number; Step 3. When the answer obtained by the node's calculation matches the random number, broadcast its block to all nodes; Step ④, other nodes verify the answer, and after the verification is passed, the block is judged to be valid and the block is received; Step ⑤ When a new block is generated, the corresponding node adds the hash of the block it just received, and jumps to step ②. 7. The blockchain application method of supply chain finance based on the sovereign blockchain according to claim 1, characterized in that, any one of the steps in the step 1-step 3 has a unified standard for data sharing and credit exchange Under the financial standard system. 8. The blockchain application method for supply chain finance based on the sovereign blockchain according to claim 7, characterized in that in step 1, the credit flow and capital flow in the supply chain are constructed through the shoulder pole model to create an interactive mechanism.