找回密码
 立即注册
首页 区块链新闻 查看内容
  • QQ空间

中国光大银行采用蚂蚁区块链进行供应链金融

2020-3-18 15:59

 

据《上海证券报》报道,中国光大银行(CEB)宣布推出供应链金融区块链。本项目采用Ant区块链Duo供应链解决方案。“duo”指的是供应链与区块链的交集。


虽然CEB没有中国四大国有银行那么大,但它仍然非常庞大,2019年6月总资产为6620亿美元。该公司部分归国家所有,在2019年福布斯2000年最大公司排行榜上排名151位。


该报告称,自2019年下半年开始与蚂蚁金服合作以来,CEB是首家部署Duo连锁解决方案的中资银行。蚂蚁去年公布了这项技术解决方案,并与一家汽车制造商进行了初步测试。


与所有的供应链金融解决方案一样,起点是一家大公司欠其供应商的应付账款。考虑到银行可以接触到细节,而且知道发票来自信誉较好的大公司,它更有信心贷款给这些较小的供应商。


否则,这些中小企业可能没有资格获得贸易信贷,因为他们的业务缺乏可核实的信息。即使中小企业符合条件,在供应链金融之外,成本也会更高,因为银行会认为风险更高,需要小企业做更多的工作。


CEB解决方案将几个移动部分组合在一起。它通过CEB的现有平台使用身份和身份验证。其他整合包括内部和外部数据、信用报告和银行账户系统。


在当前的流行中,一个关键的好处是解决方案完全是在线的。


这并不是CEB首次涉足区块链贸易融资。它是中国银行业协会发起的一项倡议的参与者。其香港分行参与了对等高线信用证区块链(前称Voltron)的试用。

 

China Everbright Bank (CEB) announced that it has launched a supply chain finance blockchain, according to Shanghai Securities News. The project uses the Ant Blockchain Duo Chain solution for supply chain. The “duo” refers to the intersection between supply chain and blockchain.

While CEB isn’t as large as the big four Chinese state owned banks, it’s nonetheless very substantial with total assets of $662 billion in June 2019. It’s partly owned by the state and ranked as 151 on the Forbes 2000 list of largest companies in 2019.

The report claims that CEB is the first Chinese bank to deploy the Duo Chain solution after it started to work with Ant Financial during the second half of 2019. Ant unveiled the technology solution last year and initially tested it with an automobile manufacturer.

As with all supply chain finance solutions, the starting point is the accounts payable owed by a large company to its suppliers. Given the bank has access to details and knows the invoices come from the larger creditworthy company, it’s more confident to lend to these smaller suppliers. 

Otherwise, these SMEs might not qualify for trade credit because there’s a lack of verifiable information about their business. And even if the SME did qualify, outside of supply chain finance, it would be more expensive because the bank would perceive a higher risk, and it would require more work from the small business.

The CEB solution brings together several moving parts. It uses identity and authentication via CEB’s existing platforms. And other integrations involve internal and external data, credit reporting and bank account systems.

In the current epidemic, a key benefit is the solution is entirely online.

This isn’t CEB’s first foray into blockchain trade finance. Its a participant in an initiative from the China Banking Association. And its Hong Kong branch took part in a trial of the Contour Letter of Credit blockchain (formerly called Voltron).

 

来自: Ledger Insights