香港金管局宣布推出区块链贸易融资平台,21家银行参与 - 互联网金融门户 未央网

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香港金管局宣布推出区块链贸易融资平台,21家银行参与

区块链国际资讯

香港金管局宣布推出区块链贸易融资平台,21家银行参与

香港金融管理局(金管局)已经与中国平安集团达成合作推出一个基于区块链的贸易融资平台。预计这项联合行动将加快这一进程,防止欺诈行为。

CCN在3月30日首次报道了香港金管局的倡议。当时,该机构推出了一个为贸易融资打造的概念验证(PoC)区块链平台。

从6个参与银行到超过21个

这项事业最初包括中国银行(香港)、德勤、汇丰、东亚银行、恒生银行和渣打(香港)等参与者。《金融时报》目前报道称,该项目目前总共有至少21家银行参与,每家银行都将在该平台上拥有所有权。

尽管该平台的试点工作始于去年12月,但在3月下旬才正式宣布了这一消息,但直到现在,香港金管局才准备好于下个月启动该平台。平安集团的金融技术公司OneConnect负责设计该平台,这将标志着第一个此种类型的政府系统。

一旦到位,预计该平台将减少减少执行每日供应链融资和贸易融资交易所需的时间——其中一些将在24小时内处理,而不是传统的10个工作日。

由于使用了分布式账本技术,该系统将自动检查所有交易的有效性以及所有相关方——所需的文书工作数量将大幅减少。

这个贸易平台将使小企业重新回到游戏中来

平安集团副首席执行官Jessica Tan对香港金管局努力向前迈出的努力表示赞赏,说:

“不同于单个银行孤军奋战,香港金管局尝试联合各大银行。”

Tan认为,这个平台也将使小型企业受益,因为这些公司经常难以获得与大型机构相同的银行服务,因为它们的尽职调查成本很高。有了新系统,银行就可以在一小段时间内轻松提取和评估客户的数据。

由于其区块链性质,该平台将远不像传统的数据共享平台那样容易受到黑客攻击,这标志着这是贸易融资行业向前迈出的一大步。除了降低整个流程的总体成本和处理时间外,该系统还有望减少欺诈活动。贸易融资的特点是,公司要求的资金比必要的多——通过区块链支持的系统,所有贸易和交易都被记录下来,让所有人都能看到,确保完全透明。

The Hong Kong Monetary Authority (HKMA) has partnered with Chinese Ping An to release a blockchain-based trade finance platform. The joint effort is expected to speed-up the process and prevent fraud.

CCN first reported the Hong Kong’s de facto central bank’s initiative back on March 30. At the time, the bank unveiled a proof-of-concept (PoC) blockchain platform built for trade finance.

Initiative Went from 6 Participant Banks to More Than 21

The enterprise initially included participants such as Bank of China (Hong Kong), Deloitte, HSBC, the Bank of East Asia, Hang Seng Bank, and Standard Chartered (Hong Kong). The Financial Times now reports there are a total of at least 21 banks involved in the enterprise, and each of them will share ownership in the platform.

Although trials for the platform began in December and the announcement happened in late March, only now is the HKMA ready to finally launch it, which will occur next month. Ping Ang Group’s financial technology company, OneConnect, was responsible for designing the platform, which will mark the first governmental system of the sort.

Once in place, the platform is expected to reduce the amount of time needed to perform daily supply-chain finance and trade finance transactions — some will now be processed in 24 hours, as opposed to the traditional 10 business days.

Due to the distributed ledger technology, the system will automatically check the validity of all transactions, as well as all parties involved — the amount of paperwork required will drastically decrease.

The Trade Platform Will Bring Small Businesses Back to the Game

Ping An’s deputy chief executive, Jessica Tan, applauded the central bank’s efforts to take a step forward, saying:

“Instead of individual banks trying to do this you have the regulator trying to bring the banks together.”

Tan believes the platform will also benefit small businesses, as these firms oftentimes struggle to have access to the same banking services as bigger institutions because of high due diligence costs. With the new system, banks would be able to easily extract and evaluate clients’ data in a fraction of the time.

Thanks to its blockchain nature, the platform will be far less susceptible to hacks than conventional data-sharing platforms, marking this as a big step forward for the trade finance industry. Other than reducing the overall cost and processing time of the whole process, this system is also expected to diminish fraudulent activities. Trade finance is characterized by companies asking for a lot more funds than the necessary — with the blockchain-backed system, all trades and transactions are recorded for everyone to see, ensuring complete transparency.


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