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专栏区块链国际资讯

欧洲银行选择IBM区块链进行小企业贸易融资

由欧洲七大银行结盟而成的小组正在与IBM合作,致力于为中小型企业打造一个新的基于区块链的贸易融资平台。

IBM将为数字贸易链协会(包括德意志银行、汇丰银行、比利时联合银行、法国外贸银行、荷兰银行、法国兴业银行和意大利联合信贷银行等七家银行组成)建立和主办平台,目的是促进国内和跨国界的更加透明的,小型企业的边境贸易。

该平台将基于Linux超级账本的Fabric区块链而搭建 ,并将在IBM 的云系统上运行。

Keith Bear,IBM公司全球金融服务副总裁,告诉CoinDesk“我们将建立的是一个用户界面,银行将通过它们的环境为最终的中小企业客户提供服务,并且为购买中小企业和出售中小企业提供服务。银行将负责入职,并且充分了解客户,所有这些方面都与客户存在关联。”

他补充说:

“银行将在业务网络中运行节点,其中大多数将由我们的云环境促成。”

即将推出的区块链解决方案旨在降低交易成本,提高中小企业的透明度。 Bear先生援引世界银行的数据说,将会有高达50%的中小型企业将不需要通过正式的信贷渠道来获得贷款。

就这一点而言,区块链解决方案将是解决小企业融资缺口的第一步。

“这是一个份额很大而重要的市场,但它并没有被有贸易融资能力的机构服务好,”Bear说。 “这显然是阻碍他们在国际和国内交易的能力。”

解决方案目前正在开发中,计划到2017年底实施。

A group of seven major European banks is working with IBM to build a new blockchain-based trade finance platform for small- and medium-sized enterprises.

IBM will build and host the platform for the Digital Trade Chain Consortium (made up of seven banks including Deutsche Bank, HSBC, KBC, Natixis, Rabobank, Societe General and Unicredit), with the goal of facilitating easier and more transparent domestic and cross-border trade for smaller businesses.

The platform will be built on the Linux Foundation's Hyperledger Fabric blockchain and will run on the IBM Cloud.

"What we'll be building is a user interface that the banks will make available through their environment to the end SME clients, for the buying SME and the selling SME. The bank will be responsible for onboarding, KYC, all those aspects associated with the client relationship," Keith Bear, VP of global financial services at IBM, told CoinDesk.

He added:

"The bank will then be running nodes within the business network, which for most of them will be facilitated by our cloud environment."

The forthcoming blockchain solution is being designed to reduce transaction costs and increase transparency for SMEs. Citing figures from the World Bank, Bear said that up to 50% of SMEs don’t have to access formal credit channels.

In this light, the blockchain solution will be the first step in addressing this financing gap for small businesses.

"It's a large and important marketplace, but it's not really well served by trade finance capabilities," said Bear. "That could clearly be an inhibitor to them being able to trade internationally and potentially domestically as well."

The solution is currently in development with a plan to go into implementation by the end of 2017.

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