CN111539804A

CN111539804A - Application of network credit system database

Info

Publication number: CN111539804A
Application number: CN202010269473.7A
Authority: CN
Inventors: 肖子龙; 王萌
Original assignee: Suzhou Menglongbang Technology Co ltd
Current assignee: Suzhou Menglongbang Technology Co ltd
Priority date: 2020-04-08
Filing date: 2020-04-08
Publication date: 2020-08-14

Abstract

The invention discloses an application of a network credit system database, which is characterized by comprising the following steps: the system comprises a certificate storage and data sharing module, an intelligent contract automatic execution module, an asset registration transaction module and other modules; the certificate storing and data sharing module comprises a trusted digital policy database, a supply chain trade authenticity investigation unit, a credit data sharing storage unit and a digital bill transparent circulation unit; the intelligent contract automatic execution module comprises a supply chain money return execution automation unit, a policy automatic settlement unit, a policy chain automatic pledge single jade ring and a credit data automatic operation unit; the asset registration transaction module comprises a digital legal high-efficiency payment unit, a digital bill splitting unit, an innovative supply chain settlement tool unit and a data assets-making unit.

Description

Application of network credit system database

Technical Field

The invention relates to the technical field of big data systems, in particular to application of a network credit system database.

Background

The modern financial business pattern of China is gradually formed after the reform is opened. The system makes a breakthrough by advancing shares by banks in four countries, realizes rapid development of the Chinese financial industry, and plays an important role in promoting the high-speed development of the economy of China. But the development of the financial industry in China also has the problem of being not suitable for the development of the times.

First, the convergence industry is under pressure to survive. Traditional finance is intensively served in traditional industry, adopts traditional mode, relies on traditional channel, traditional product, can not adapt to the needs of innovative economic development, and in the face of the new technology development of finance, especially under the impact of internet finance, traditional finance faces the biggest challenge, even faces the pressure of survival in a certain sense.

Secondly, in the process of the deep and extensive development of the financial industry in China, the shortage of credit becomes an important restriction factor. With the deep development of the financial market, the continuous promotion of financial innovation and the further improvement of the financial system, the restriction is more prominent. The financing of medium and small enterprises is a typical example, and the medium and small enterprises are difficult to finance and expensive due to a plurality of complex factors. In which, due to the imperfect development of credit system, financial institution can not identify proper service object, or can not correctly price service and product, thereby resulting in service loss, or need to rely on higher pricing to realize compensation for risk.

Under the conditions of the problems, currently, the entity economy has few credit loans, most of the credit loans need to mortgage assets, the borne risk is large, and the relative borne risk in the financial field is small. The enterprise credit problem is a crucial problem for most enterprises, and new changes in the financial field are brought if the problem is solved.

At present, a credit investigation system is applied to various links of loan acceptance examination, approval, issuing, post-loan management, asset security and the like of small and medium-sized enterprises by financial institutions.

The loan acceptance and verification comprises the steps that an enterprise credit investigation system collects basic enterprise information and credit information from national and local financial institutions in a general-to-general manner, and collects non-bank information such as environmental protection, social insurance payment information, delinquent wages, permission, qualification authentication information and the like from other departments, so that the credit condition of the enterprise can be reflected relatively comprehensively, the pre-loan investigation workload of a bank can be reduced by people, the loan investigation period is shortened, the credit decision efficiency is improved, information reference is provided for commercial banks, the risk identification is facilitated, and the good credit is allowed to pass.

And (II) loan evaluation and approval, namely, the financial institution crediting and approving personnel fully utilizes the information provided by the credit investigation system to accurately evaluate and scientifically measure the risk of the client, carry out rigid constraint on the risky client, strictly approve the credit approval system, effectively control and prevent the newly increased credit risk, reasonably formulate the credit policy according to the current situation of the business affairs and credit business of the enterprise, bring more personal income for the commercial bank while effectively preventing the risk, and provide a decision basis for providing an important reference basis for reasonably crediting and writing a credit business evaluation report of the commercial bank.

And (III) post-loan management, namely, the enterprise credit investigation system can quickly reflect the change conditions of the basic information, credit information and non-bank information of the enterprise. In the post-loan check stage, financial institution credit personnel can find risks in time by inquiring the enterprise credit investigation system to know the latest information, make early warning information in advance, take risk control measures in time, help commercial banks to carry out risk early warning, take effective measures and timely solve credit risks.

And (IV) asset preservation, namely, the financial institution can inquire the repayment and return information, the asset mortgage, the loan guarantor condition of the enterprise and the credit information of other banks through the system, and better analyze the repayment capability and the repayment willingness of the enterprise.

The current enterprise credit investigation system organization mode is as follows:

1. a government mode of operation. This model refers to a way to build credit bureaus from a central government funding group and conduct direct business management on them. This pattern is only available in individual countries or in certain countries that are in the transition.

The method has the advantages that under the condition that public data are scattered or lack, governments coordinate all aspects of society, local main bodies are forced to contribute various data, and various forces are concentrated in a short time to quickly establish a credit investigation database covering the whole country.

The disadvantage is that the government is not the business entity in the market economy, and the purpose of establishing the database is not profit, but directly producing credit investigation products and participating in market competition, which inevitably consumes huge investment, has higher maintenance cost and has smaller business utilization value.

2. And (4) an enterprise free operation mode. The mode refers to that all credit investigation enterprises or companies can freely pass through credit investigation and credit management services according to law, the government does not directly participate in the operation, the credit investigation system managed by the government through legislation, and the united states is a typical credit investigation country adopting the mode and is a pure market mode.

The method has the advantages that a practitioner can build a database and provide service according to market needs, and the expansion of credit investigation service range and the improvement of service quality are promoted through a competition mechanism, so that the localization of products and services is facilitated.

The method has the disadvantages that the total investment scale is small in the starting stage, the credit investigation industry develops slowly, the professional level of credit management practitioners is uneven, and the quality of products and services cannot be guaranteed in a long time. If the government does not actively take measures to effectively protect the domestic enterprise, the large foreign credit investigation institution will easily occupy a large percentage of the credit investigation market share. It is not beneficial to protect the national confidentiality.

3. A government franchise mode. The government franchise mode refers to that a credit investigation database is established by the government and then commercialized by a designated credit investigation institution. The mode still has many characteristics under the government operation mode, and is mainly characterized in that credit investigation data are collected by credit investigation institutions which are designated by the government and have corresponding qualifications, and on the basis, the credit investigation institutions independently carry out commercial operation. In the franchise mode, businesses engaged in credit insurance, credit guarantee, credit management inquiry, market credit investigation, credit management education or training may release the business.

The blockchain is not a new technology, but a new application mode based on computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and the like. Unlike most innovations in the scientific history, it is not a production force promotion but a change in production relationship. Therefore, the method has rich application scenes and wide imagination space in various industries such as currency finance, law, real estate and the like.

In the credit investigation industry, the blockchain is particularly suitable for establishing a safe data collection and sharing platform in a alliance chain form due to the characteristics of decentralization, anonymity, non-tampering and the like. For example, an enterprise default may be established in the form of a federation chain.

Disclosure of Invention

In order to overcome the problems, the invention provides an application of a network credit system database.

The technical scheme of the invention is to provide an application of a network credit system database, which is characterized by comprising the following steps:

the system comprises a certificate storage and data sharing module, an intelligent contract automatic execution module, an asset registration transaction module and other modules;

the certificate storing and data sharing module comprises a trusted digital policy database, a supply chain trade authenticity investigation unit, a credit data sharing storage unit and a digital bill transparent circulation unit;

the intelligent contract automatic execution module comprises a supply chain money return execution automation unit, a policy automatic settlement unit, a policy chain automatic pledge single jade ring and a credit data automatic operation unit;

the asset registration transaction module comprises a digital legal high-efficiency payment unit, a digital bill splitting unit, an innovative supply chain settlement tool unit and a data assets-making unit.

Furthermore, the certificate storing and data sharing module further comprises a credit transfer unit.

Further, the intelligent contract automatic execution module also comprises a credit report generation unit.

Further, the asset register transaction module further comprises a data asset trusted transaction unit.

The invention has the beneficial effects that: the application of the network credit system database of the invention carries out series technical development in the enterprise security field through big data and block chain technology. The item is that a unique address is distributed to each enterprise on a block chain, enterprise operation data are registered on the block chain in a data log key value pair mode, the data come from enterprise bank records, company operation contracts, credit records, fixed asset records, industrial and commercial public information, enterprise customer evaluations, enterprise employee evaluations, third party data and the like, the data are distributed block chain data of Nosql, and the distributed block chain data have the characteristics of decentralization, data non-falsification, efficient retrieval, expandability, authorization verification, data safety and the like. Data are read for various terminal authorization modes in the form of API, and different channels expand the capacity through data models. The method can help governments, banks, public security, clients and the like to quickly know the problems of enterprise operation risks, financial risks and the like.

Drawings

Fig. 1 is a schematic diagram of an application of a network credit hierarchy database of the present invention.

Detailed Description

In order to make the technical means, the creation characteristics, the achievement purposes and the effects of the invention easy to understand, the invention is further described with the specific embodiments.

As shown in fig. 1, the application of the network credit system database of the present invention is characterized in that it includes:

In a preferred embodiment of the present invention, the certificate storing and data sharing module further includes a credit transfer unit.

In a preferred embodiment of the present invention, the intelligent contract automatic execution module further comprises a credit report generation unit.

In a preferred embodiment of the invention, the asset registration transaction module further comprises a data asset trusted transaction unit.

The application of the network credit system database of the invention carries out series technical development in the enterprise security field through big data and block chain technology. The item is that a unique address is distributed to each enterprise on a block chain, enterprise operation data are registered on the block chain in a data log key value pair mode, the data come from enterprise bank records, company operation contracts, credit records, fixed asset records, industrial and commercial public information, enterprise customer evaluations, enterprise employee evaluations, third party data and the like, the data are distributed block chain data of Nosql, and the distributed block chain data have the characteristics of decentralization, data non-falsification, efficient retrieval, expandability, authorization verification, data safety and the like. Data are read for various terminal authorization modes in the form of API, and different channels expand the capacity through data models. The method can help governments, banks, public security, clients and the like to quickly know the problems of enterprise operation risks, financial risks and the like.

The above embodiment is only one embodiment of the present invention, and the description thereof is specific and detailed, but not construed as limiting the scope of the present invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the inventive concept, which falls within the scope of the present invention. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. An application of a network credit hierarchy database, comprising:

2. The use of a network credit architecture database as claimed in claim 1, wherein: the certificate storing and data sharing module further comprises a credit certificate circulation unit.

3. The use of a network credit architecture database as claimed in claim 1, wherein: the intelligent contract automatic execution module also comprises a credit report generation unit.

4. The use of a network credit architecture database as claimed in claim 1, wherein: the asset registration transaction module further comprises a data asset trusted transaction unit.