Accounts receivable originates from the sales of goods and services provided by enterprises, which are closely related to supply chain relationship management, commodities, stocks, orders, contracts and so on; Analysis from the business relevance , transfer, decomposition, trading and clearing accounts receivable behavior involves many financial institutions, such as banks, regulators, factoring business, trust companies, brokerage, intermediary service institutions, etc.; Across multiple finance business branches, including related credit industries such as credit collection, factoring, offset loan, and related asset trading industries such as supply chain finance and asset securitization.
The block chain cross from the 1.0 era to 2.0 era, is a new stage to make the future rules, it is the complete programming language of Turing, which opens another wave of block chain. Smart contract is the core of block chain 2.0. Block chain 2.0 technology refers to BTC 2.0, BTC 2.0 agreement, smart contracts, smart assets, decentralized applications and decentralized autonomous enterprises.
Based on big data and artificial intelligence technology, intelligent credit investigation and approval management can be realized, which can greatly improve work efficiency.Acquire user’s multidimensional data through multiple channels, such as call records, cellphone message, purchasing history, and relevant keep information on social networks;Then, pick up a variety of features from the information to build the model, and then make multi-dimensional portrait of users.Finally, evaluate the user's personal credit according to the model score.
The financial industry and block chain have natural fusion, and the block chain has the characteristics of decentralization, trustworthiness, time stamp, asymmetric encryption and intelligent contract. Apply block chain technology in accounts receivable flow scenarios of financial industry ,and integrate many subjects in the same chain like financiers, investors, banks, credit agencies, sharing a distributed database.