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日本九州电力将向Chikuho银行提供区块链平台,帮助其为低收入家庭实现“优质代金券” ...

2020-6-23 12:30

 

日本九州电力公司宣布,将向位于福冈的地区银行Chikuho银行提供区块链平台,帮助其为低收入家庭实现“优质代金券”的数字化。Chikuho银行将与Ukiha市商会合作,在日本的Ukiha小城发放代金券。此前,印度国家银行帮助Chikuho银行发行了一种本地数字货币“Changwa”,该货币也被用于该应用。


“保费代金券”于2019年10月引入日本,以保护低收入家庭和有孩子的家庭免受消费税上调的影响。这种代金券价值2.5万日元(234美元),这些家庭花2万日元(187美元)就能买到限量版,其余费用由政府支付。


代金券的两个问题导致了数字化。首先,据估计,政府的实物凭证的“印刷和分发成本”可能非常昂贵,高达300亿日元(2.81亿美元)。更紧迫的是,冠状病毒危机让物资配送变得更加困难,而且存在潜在危险,人们普遍担心配送点会出现拥堵。


九州在声明中强调,使用DLT将代金券数字化将使分发过程更加简单和“精简”。与此同时,隶属于Chikuho集团的SBI控股公司大肆宣扬新系统对日常生活的“便利性”,以及在“后corona社会”中对安全的重要性。


尽管这一发展只影响到少数接受“额外购物券”的家庭,九州表示,它计划继续与政府和金融机构合作,以实现购物券的进一步数字化。


就区块链而言,SBI是日本最活跃的公司之一。该公司与35家银行合作推出了支付应用软件Money Tap。它与Ripple和R3都有合资企业,并与众多区块链投资,包括保险财团B3i和数字资产平台证券化。

 

The Japanese firm Kyushu Electric Power has announced that it will provide a blockchain platform to the Fukuoka-based regional bank Chikuho Bank to help it digitize the “premium vouchers” for low-income families. Chikuho Bank will, in turn, work with the Ukiha City Chamber of Commerce to distribute the vouchers in the small Japanese city Ukiha. Previously, SBI helped Chikuho Bank to issue a local digital currency, “Changwa” which is being used in the app.

“Premium vouchers” were introduced to Japan in October 2019 to protect low-income families and families with children from the effects of a consumption tax hike. The vouchers are worth 25,000 yen ($234) and limited numbers can be bought by these families for 20,000 yen ($187), with the government covering the rest of the cost.

Two issues with the vouchers have led to a move to digitization. First, estimates say the “printing and distribution costs” of physical vouchers for the government could be very expensive and reach up to 30 billion yen ($281 million). More urgently, the coronavirus crisis has made physical distribution far more difficult and potentially dangerous, with widespread concerns over congestion at distribution points.

In the announcement, Kyushu emphasized that digitization of the vouchers using DLT will make the process of distribution far simpler and more “streamlined”. SBI Holdings, who are affiliated with Chikuho Group, have meanwhile played up the “convenience” of the new system for everyday people and its importance for safety in a “post-corona society”.

Although this development only impacts a few of the families who receive “premium vouchers”, Kyushu says it plans to continue working with governmental and financial institutions to achieve further digitization of the vouchers.

SBI is one of the most active companies in Japan when it comes to blockchain. It launched Money Tap, the Ripple powered payments app with 35 banks. It has joint ventures with both Ripple and R3 and numerous blockchain investments, including in insurance consortium B3i and digital assets platform Securitize

 

来自: Ledger Insights