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国际商会ICC贸易融资调查:84%的银行认为数字化,供应链金融是重中之重

2020-7-22 12:49

 

今天,国际商会(ICC)发布了其《2020年国际商会贸易融资全球调查》。一个重要的发现是,86%的受访者表示,供应链金融是当前或近期的首要任务。当涉及到电子产品时,84%的人给出了相同的答案。


在接受调查的近350家银行中,有145家是全球性银行。这些全球银行中有10%表示,它们通过区块链或数字生态系统进行了100 - 200亿美元的贸易融资。


在应对COVID-19方面,当被问及疫情是否推动了数字化解决方案的推出时,54%的全球银行表示有。令人惊讶的是,亚太地区的新增部署人数最少,只有38%,而其他地区的新增部署人数都在50%以上。不过,可以想象,亚洲已经更加数字化了。


这项调查是在今年2月至3月间进行的,这对COVID-19疫情的发展状况至关重要。在这一阶段,银行第一季度的贸易融资下降了0-10%,比最初预计的今年下降了20-30%。受访者偏爱亚太地区(30%)和西欧(32%),只有5%的总部设在北美。


在数字化方面,有一个基于规模的鸿沟。83%的全球银行有数字化战略,而46%的地区银行有。鉴于59%的全球银行认为数字化将降低成本,相比之下,本地银行和地区银行的这一比例分别为25%和32%,可以推断,实施技术的成本是一个重要因素。


该报告总结称,这种差异可能会推动该行业进一步整合。


数字贸易被视为解决所谓贸易融资缺口的关键因素,为较小的企业提供融资。向数字化转型也被认为是银行扩大贸易融资业务的首要因素(77%)。97%的银行计划在这一领域扩张。


在提供贸易融资的障碍方面,有五个突出的问题,主要是合规要求。84%的受访者提到的首要要求是反洗钱(AML)和了解客户(KYC)。紧随其后的是反恐和国际制裁。其次是交易成本高或费用收入低。我们还要注意到,这些交易成本在一定程度上是监管的结果。


第四个障碍是巴塞尔资本要求,第五个是保护主义和贸易限制。


该调查是与波士顿咨询集团(BCG)、TXF、SWIFT和亚洲开发银行(ADB)联合进行的。

 

Today the International Chamber of Commerce (ICC) released its 2020 ICC Global Survey on Trade Finance. A key finding is that 86% of respondents said supply chain finance is an immediate or near term priority. When it came to digital, 84% of replies had the same answer.

Of the almost 350 banks surveyed, 145 were global banks. 10% of these global banks said they transacted $10 – $20 billion of trade finance via blockchain or digital ecosystems.

In terms of responding to COVID-19, asked if the pandemic had spurred a rollout of digital solutions, 54% of global banks said it had. The big surprise is that Asia Pacific was the region with the lowest new deployments at 38%, with all other regions above 50%. However, it’s conceivable that Asia was already more digital.

Importantly for the COVID-19 state of play, the survey was conducted between February and March this year. At that stage, banks were experiencing declines in trade finance of 0-10% for Q1 with declines of 20-30% from original forecasts expected for the year. The respondents biased towards Asia Pacific (30%) and Western Europe (32%), with just 5% headquartered in North America.

With respect to digitization, there is a divide based on scale. 83% of global banks have a digital strategy compared to 46% of regional banks. It might be inferred that the cost of implementing technology is a significant factor, given that 59% of global banks believe digitization will reduce costs compared to 25% for local banks and 32% of regional banks.

The report concluded that this disparity could be a driver of further consolidation in the sector.

Digital trade is seen as a key enabler to address the so-called trade finance gap by providing financing for smaller business. Transitioning to digital was also mentioned as the number one (77%) enabler for banks to grow their trade finance business. And 97% of banks plan to expand in this area.

Five issues stand out in terms of obstacles to providing trade finance, dominated by compliance requirements. Top of the list is anti money laundering (AML) and know your customer (KYC) requirements cited by 84% of respondents. That is closely followed by 79% for counter-terrorism and international sanctions. Next was high transaction costs or low fee income. We’d add an observation that those transaction costs are partly a consequence of regulation.

The fourth barrier is Basel capital requirements, and the fifth is protectionism and trade restrictions.

The survey was produced in conjunction with Boston Consulting Group (BCG), TXF, SWIFT and the Asian Development Bank (ADB). 

 

来自: Ledger Insights