A kind of shared debt system based on block chain technologyTechnical field
The present invention relates to debt fields, and in particular to a kind of shared debt system based on block chain technology.
Background technique
Currently, the abuse that credits are subject to is universal, Lao Lai phenomenon is serious, by utilizing worldwide block chain technologyPush the shared shared condominium of credits.Using the strength and wisdom of the people, realize that the whole people are shared, whole people's right-safeguarding, Quan MincanIt is benefited with, the whole people.Expanding economy is protected, the formation of harmonious society is promoted, Lao Lai phenomenon is reduced, than previous credits way of bailmentMore transparent, efficient, interconnection networking.
Summary of the invention
In order to solve the above technical problems, the present invention provides a kind of shared debt system based on block chain technology, packetInclude multiple loaning bill systems, debt information announcement systems and and debt risk system,
The loaning bill system includes refund loaning bill unit, refund unit, risk accommodation unit and storage unit,
The debt information announcement systems include announcement systems and distribution system,
The debt risk system includes promise breaking computing system and risk removal system.
A kind of shared debt method based on block chain technology is further provided, using above-mentioned based on block chain technologyShared debt system, include the following steps
S1. loaning bill information is filled in by the loaning bill unit of loaning bill system, loaning bill information includes borrower, borrower's personal creditSituation, amount issued, interest rate, borrowing time and refund date,
S2. loaning bill information is sent to debt information announcement systems by loaning bill unit, and announcement systems announce debt information,And allow the storage unit of loaning bill system to be stored by distribution system, then loaning bill unit obtains fund,
S3. it after the borrowing time expires, is refunded by refund unit, if you have questions, is announced by debt information announcement systems,Confirm that certain loaning bill unit is not refunded, start debt risk system,
S4. it is calculated by promise breaking computing system and is lost caused by promise breaking first, and announced by debt information announcement systems,The risk accommodation unit for system of such as borrowing money receives notice information, and fetches corresponding debt, and debt information announcement systems are announced to itIt is announced, and pays corresponding reward, and be stored in storage unit；Such as the risk accommodation unit without loaning bill system receives bulletinInformation, the corresponding promise breaking amount of money of promise breaking computing system calculating is shared by all loaning bill units to be undertaken, and is announced and deposited accordinglyStorage, and start risk removal system,
S5. the risk removal system system shuts down the loaning bill system of right-safeguarding client, and debt is transferred to thirdSquare debt treatment deducts third party's cost and is included in, believe into refunding after third party's debt treatment fetches all or part of debtBreath, and refund is shared in all loaning bill systems.
The invention has the following beneficial effects:
The form of reason borrower inter-guarantee of the present invention by with the risk of debt again platform to each borrower, andAnd delinquent party is pressed for payment of using the strength of all borrowers.
Specific embodiment
Below in conjunction with the embodiment of the present invention, the technical scheme in the embodiment of the invention is clearly and completely described,Obviously, the embodiment described is the embodiment of part of representative of the invention, rather than whole embodiments, this field are generalOther all embodiments obtained belong to protection of the invention to logical technical staff without making creative workRange.
Embodiment discloses a kind of shared debt system based on block chain technology, including multiple loaning bill systems, debt informationAnnouncement systems and and debt risk system, the loaning bill system include refund loaning bill unit, refund unit, risk accept it is singleMember and storage unit, the debt information announcement systems include announcement systems and distribution system, the debt risk systemIncluding promise breaking computing system and risk removal system.
Include the following steps
S1. loaning bill information is filled in by the loaning bill unit of loaning bill system, loaning bill information includes borrower, borrower's personal creditSituation, amount issued, interest rate, borrowing time and refund date,
S2. loaning bill information is sent to debt information announcement systems by loaning bill unit, and announcement systems announce debt information,And allow the storage unit of loaning bill system to be stored by distribution system, then loaning bill unit obtains fund,
S3. it after the borrowing time expires, is refunded by refund unit, if you have questions, is announced by debt information announcement systems,Confirm that certain loaning bill unit is not refunded, start debt risk system,
S4. it is calculated by promise breaking computing system and is lost caused by promise breaking first, and announced by debt information announcement systems,The risk accommodation unit for system of such as borrowing money receives notice information, and fetches corresponding debt, and debt information announcement systems are announced to itIt is announced, and pays corresponding reward, and be stored in storage unit；Such as the risk accommodation unit without loaning bill system receives bulletinInformation, the corresponding promise breaking amount of money of promise breaking computing system calculating is shared by all loaning bill units to be undertaken, and is announced and deposited accordinglyStorage, and start risk removal system,
S5. the risk removal system system shuts down the loaning bill system of right-safeguarding client, and debt is transferred to thirdSquare debt treatment deducts third party's cost and is included in, believe into refunding after third party's debt treatment fetches all or part of debtBreath, and refund is shared in all loaning bill systems.
Those skilled in the art is not under conditions of departing from the spirit and scope of the present invention that claims determine, alsoVarious modifications can be carried out to the above content.Therefore the scope of the present invention is not limited in above explanation, but byThe range of claims determines.