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IBM区块链融资解决方案即将落户多家欧洲银行

为解决贸易融资部门面临的难题,近日技术巨头IBM与经济学人智库合作进行调查,并最终确定利用区块链技术帮助中小企业简化银行融资业务流程。

有消息称,包括德意志银行(Deutsche Bank)、比利时联合银行(KBC)和汇丰银行(HSBC)在内的七家银行都将使用IBM的区块链解决方案。在一份声明中,比利时联合银行的贸易融资总经理表示:

“这个平台可以让买家和卖家结合在一起,使得从发出采购订单到付款之前的交易过程变得非常透明…该项目提供的第一个服务是融资和风险抛补,还将包括跟踪交易系统,以便买卖双方可以跟踪货物的实际转移。”

分布式账本解决方案将允许所有参与方跟踪单据,而在验证过程中无需任何第三方参与。通过消除纸质单据,贸易融资的全过程可以即时完成,而现在需要长达一个月的完成时间。

一旦开发完成,基于区块链的贸易融资平台可以为欧洲大陆的2000多万中小企业所使用。虽然不会立即在整个市场得到应用,但它必然是个开端,许多机构会逐渐开始利用这些服务来确保融资顺利。

该平台预计将在2017年底投入运营。参与的银行还包括的法国兴业银行(Société General),法国外贸银行(Natixis),荷兰合作银行(Rabobank)和联合信贷银行(Unicredit)等——这些都是数字贸易链协会的成员。

 

The banking industry’s infatuation with blockchain technology is well known. In the forefront of the development of distributed ledger solutions for the industry is the tech giant IBM which is currently working on a trade finance solution for leading European banking institutions.

IBM identified the project addressing the present challenges faced by the trade finance segment following a survey conducted in collaboration with the Economist Intelligence Unit. Through this project, the company will be aiming to simplify the trade finance transactions for small and medium-sized businesses, states a recent report on one of the financial news publications.

Seven banks including Deutsche Bank, KBC, and HSBC will use the IBM’s blockchain solution. In a statement, the general manager of trade finance at KBC said,

“What we will have is a platform to bring buyers and sellers together and to make trade transactions very transparent… from the moment that a purchase order is issued up until payment… The first service that will be available for buyers and sellers is financing and risk coverage, and it will also include a track-and-trade system so that buyers and sellers can follow the physical transfer of the goods.”

The distributed ledger solution will allow all the parties to track documentation, without involving any third party in the verification process. By eliminating the paper trail, the whole process of trade financing can be completed in no time, as compared to the existing process that takes as long as a month for completion.

Once completed, the blockchain based trade financing platform can potentially cater to over 20 million SMEs in the European continent. While the adoption across the segment is not going to happen right away, it will definitely start the process, where organizations gradually start making use of the services to ensure smooth operations.

The platform is expected to be operational by the end of 2017. Other participating banks include Société General, Natixis, Rabobank, and Unicredit — all part of the Digital Trade Chain Consortium.


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