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区块链国际资讯

穆迪:区块链技术能让美国抵押贷款行业成本每年减少8.4-17亿美元

根据知名评级公司穆迪发布的一份最新报告显示,区块链技术能够解决抵押贷款过程中的成本和冗员问题。

在一份最新深度报告中,穆迪公司谈到了区块链技术前景,并分析了该技术对美国抵押贷款行业的影响。研究人员写道,自从金融危机以来的这些年,很多行业都进行了技术创新,唯独抵押贷款行业仍然没有太多变化。

但现在,区块链技术提供了一个巨大机遇,能够简化关键抵押贷款流程,同时解决高成本和冗员问题。研究人员认为,区块链技术可以用于监控贷款业绩,同时提升整个抵押贷款生命周期的透明度,从而允许抵押贷款保险公司将分散的抵押贷款信用风险转移给再保险公司和其他替代资本提供者,进一步提升抵押贷款成本效益。

此外,区块链技术也能节约人力成本,佣金支出也会大幅减少。穆迪公司在该分析报告中估计,区块链技术能够让抵押贷款行业成本减少10-20%,每年可以节省8.4-17亿美元。

该报告还指出,有些区块链抵押贷款项目已经在美国部分州开始实施了,比如伊利诺伊州库克县和佛蒙特州南伯灵顿市的房地产官员正在尝试将区块链技术纳入到房屋所有权注册登记流程中。

不过,穆迪公司的研究人员还表示,现有区块链网络在特定时间的数据处理能力存在一定局限性,因此受限制的区块大小可能会带来一些成本问题。虽然有人提议使用比特币这样的公有区块链,但这种想法在短时间内似乎不太可能被采用。

最后,穆迪公司还提到监管问题,他们认为监管机构希望确保这些解决方案不会为个别公司或行业创造出新的风险。

Blockchain could help cut costs and redundancies in the mortgage process, according to a new report from Moody's.

The firm touched on the technology's promise in a new in-depth report that analyzes the impact of new technologies on the U.S. housing sector. While innovation in the years since the financial crisis has transformed a range of industries, the researchers wrote, housing has been mostly untouched.

That suggests a sizeable opportunity for blockchain applications to "streamline key mortgage processes, eliminate redundancies and reduce costs," the report's authors wrote.

For example, the tech could improve the monitoring of loan performance, the authors argued, while boosting the degree of transparency throughout a mortgage's lifecycle, allowing "mortgage insurers to transfer discrete mortgage credit risks to reinsurers and other alternative capital providers on a cost-effective basis."

Some of the most outsized benefits would come in the area of title transactions, according to the report, since blockchain platforms could reduce the number of necessary personnel and cut spending on commissions. A 10-20 percent cut in these expenses, the report estimates, would amount to $840 million-$1.7 billion in annual savings.

The report notes that some projects are underway to incorporate blockchain technology into the housing sector. It also references title registry trials undertaken by officials in Cook County, Illinois, and the city of South Burlington, Vermont.

The Moody's researchers do sound a note of caution, however, about the amount of data that can be processed at a given time through today's existing networks.

"One of blockchain's current limitations is the small number of transactions that can be processed within a period of time," they write, "based on the restricted size of the blocks and the high costs of using the technology."

The reference to block sizes appears to indicate the authors have public networks like bitcoin in mind. These are unlikely to be adopted in the near term, however, not just because of scalability, but because of regulatory concerns, which the Moody's report also highlights.

Regulatory agencies, it says, "want to ensure that those solutions do not create new risks for individual firms or the industry."


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