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建行与IBM联合开发区块链银行保险平台,年底正式推出

全球市值排名第二的银行中国建设银行(CCB)正在与IBM合作为其香港零售和商业银行业务开发和推出一种区块链银行保险业务平台。

银行保险业务通常指通过银行与保险公司的合作关系来出售保险产品。这对于双方来说是一种双赢模式——银行能够通过出售保险产品赚取额外收入,而保险公司能够通过银行的渠道和客户群来扩大他们的消费者基础。然而,这种安排常常受到客户信息不完整和数据传输效率低下的困扰。

而如今,IBM正试图通过区块链这种去中心化技术来简化CCB(亚洲)的银行保险业务,实现实时共享的保险政策数据查看。未来,平台将不再需要进行那些延迟保险产品处理时间的状态检查。所有的数据都将被记录和共享在IBM的Blockchain Platform所创建的一种不可更改账本上。

这个区块链平台目前正处于CCB(亚洲)与其保险供应商之间的测试阶段,预计将会在2017年第三季度正式推出。

这个区块链解决方案的开发使用了超级账本Fabric 1.0,由超级账本项目发布的一种开源产品级区块链软件。

China Construction Bank, the world’s second-largest bank by market capitalization, is working with IBM to develop and launch a blockchain-enabled bancassurance platform for its retail and commercial banking arm in Hong Kong.

A ‘bancassurance’ endeavor typically sees sales of insurance products through banks following a partnership between a bank and an insurance company. It’s a profitable, win-win model for both entities as banks can earn additional revenue through selling insurance products while insurance companies expand their customer bases through the bank’s channels and client base. However, the arrangement is often plagued by incomplete customer information and inefficient data transmission.

With yet another blockchain-based solution for the financial industry, IBM is leveraging the decentralized technology to streamline CCB (Asia)’s bancassurance operations that will enable a shared view of insurance policy data in real-time. This would negate the need for status checks that would delay processing times for insurance products. All data will be recorded and shared on an immutable ledger build on IBM’s Blockchain Platform.

IBM Hong Kong general manager Francis Ngai stated:

Blockchain enables businesses to transact with less friction and more trust…In working with CCB (Asia) and the partner insurers, we have seen how the technology is disrupting traditional businesses processes. This work sets a standard for local banking and financial institutions in the future.

The blockchain platform is currently in its testing phase between China Construction Bank (Asia) and its insurance providers and their clients. The blockchain-enabled bancassurance solution is expected to launch in Q3 2017.

The blockchain solution was developed using Hyperledger Fabric 1.0, the open-source production-ready blockchain software released by the Hyperledger project, a cross-industry consortium which sees IBM as a founding member.

The blockchain-based solution is already proving successful, according to CCB deputy chief executive Guo Zhipeng.

“After the successful launch of this blockchain-enabled bancassurance project, we plan to extend our experience to other insurance partners in order to optimize our overall bancassurance business,” the banking executive stated.


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