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传统金融的互联网化区块链国际资讯

BBVA成为全球首家使用区块链发行贷款的银行

西班牙对外银行(BBVA)成为第一家使用区块链技术发行贷款的全球性银行。

这家西班牙跨国银行表示,无论是条款协商还是签署,都可以使用成熟的分布式账本管理整个借贷过程,让银行和借款人了解贷款进展情况。

据报道,使用区块链可以将7500万欧元贷款的协商时间从“几天缩短到几小时”。 BBVA称这一过程是“分布式账本技术开发的重大进展”。

BBVA首席执行官Carlos Torres Vila说,该银行有很多交易都是即时进行的,该银行还将与西班牙电信公司Indra启动一个试点项目。Indra此前称自己是区块链应用的“先锋”。

区块链在企业和银团贷款领域具有很强的吸引力,因为企业和银团贷款比消费者贷款更为复杂; 记录必须允许更多人访问。

Carlos Torres Vila说:

“区块链可以为企业贷款市场的所有各方带来效率,透明度和安全性方面的明显优势……这是变革性技术用于增加金融服务价值的又一个好例子,也是我们的战略核心。”

BBVA的试点项目将使用私有链进行协商并完成贷款流程,之后将在以太坊公有链上注册完成。BBVA还正在开发用于国际贸易,国际贷款和外汇交易的区块链应用程序。

BBVA积极采用新技术和商业模式,已经投资了几家新公司,包括solarisBank,这家公司还帮助德国VPE银行开发了第一个加密交易平台。

Banco Bilbao Vizcaya Argentaria (BBVA) became the first global bank to issue a loan using Blockchain technology, FT reports April 25.

The Spanish multinational bank said it conducted the entire loan process, from the negotiation of terms to the signing, on a mutually distributed ledger that informed both the bank and the borrower of the loan’s progress.

Using Blockchain reportedly cut the negotiation time for the €75 mln loan from “days to hours”. BBVA called the process a “significant advance in the exploitation of [distributed ledger] technology”.

BBVA CEO Carlos Torres Vila said that the bank had “several more transactions in the immediate pipeline”, and that the bank would also be launching a pilot program with Spanish telecom corporation Indra. Indra has described itself as “at the vanguard” for Blockchain applications.

Blockchain has strong appeal in the sphere of corporate and syndicate loans, as corporate and syndicated lending is more complex than consumer lending; records must be accessed by a wider range of individuals. Torres Vila said:

“Blockchain can offer clear advantages for all sides in the corporate loan market in terms of efficiency, transparency, [and] security… It’s another strong example of how disruptive technology can be used to add value to financial services, something that is central to our strategy.”

BBVA’s pilot project will use a private Blockchain for negotiating and completing the loan process, after which it will be registered and completed on the Etheruem public Blockchain. BBVA is also developing Blockchain applications for international trade, international lending, and foreign exchange.

BBVA has enthusiastically adopted new technology and business models. It has invested in a several new ventures including solarisBank who, as Cointelegraph reported today, worked to develop the first crypto trading desk at VPE bank in Germany.


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