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债券发行是区块链技术的又一重要应用场景

2020-7-27 13:39

 

在病毒肆虐期间,各公司竞相筹集资金以维持运营。然而,发行过程仍然缓慢、成本高昂,并受到遗留系统的拖累。技术可以帮助改革这一过程,并为企业提供它们急需的资金。


据彭博社(Bloomberg)报道,全球公司债券发行有望在2020年达到历史新高,今年6月的总融资规模接近6.4万亿美元,已经达到2019年总资本的71%。


但发行债券的过程令人难以置信地缓慢,而且基本上是人工操作。它平均需要30个阶段,每个阶段都需要人工干预,包括实际的文书工作以及多方和中介之间的联系。


事实上,在正常的市场条件下,这么多的过程仍然是多步骤的、使用人和纸张的,是过时的和低效的。


在禁闭期间,看起来像是石器时代。此外,还有数据泄漏和安全性的风险,这些风险被现有流程严重削弱。两年前,我去了瑞士信贷(Credit Suisse)位于麦迪逊大道(Madison Avenue)的办公室,那里的人告诉我,他们每天要发送2万至3万份传真,进行一些很容易实现自动化和数字化的活动:从数据安全的角度来看,这是一个可怕的想法。


奇怪的是,在一个我们习惯于通过点击一个按钮就能安全地获取个人财务信息的世界里,商业金融却不能如此。


这是一个庞大的、流动性强的市场。它需要现代化。此外,随着危机的冲击,企业努力筹集营运资本,业务量也急剧膨胀。这个过程应该完全数字化并加快速度。


毫无疑问,技术是关键。有数字化整个过程的解决方案,让企业大大减少他们的市场时间,他们的银行为他们的企业客户提供一个极大改善的服务。


当正常的工作方式被打乱时,就会暴露出文档工作流的低效率,这每年会让企业因欺诈而损失数千美元,更不用说因流程过时而造成的其他成本了。


现在有机会吸取这次大流行的教训,并将显示需要的进程数字化。公司有义务探索和应用更好、更快、更安全的方法来做事情。在人们身体距离较远的具有挑战性的环境中,这一点更适用。

 

The pandemic has seen companies race to raise money to stay afloat during the virus. Yet, the issuance process remains slow, costly and encumbered by legacy systems. Technology can help reform the process and give companies the funds they so badly need. 

According to Bloomberg, global corporate bond issuance is on track to reach a historical high in 2020, as total capital raised neared $6.4 trillion (June)— already 71% of 2019’s total.

But the process of issuing bonds is unbelievably slow and largely manual. It takes an average of 30 stages with human intervention at each point, including physical paperwork and contact between multiple parties and intermediaries. 

The fact that so many of these processes are still multi-step and using people and paper is archaic and inefficient in normal market conditions. 

During the lockdown, it looks positively stone-age. And then there is the risk of data leakage and security, which are horribly compromised by existing processes. Two years ago, I visited Credit Suisse’s office on Madison Avenue where they told me that they send 20,000 to 30,000 faxes a day to carry out activities that could be very easily automated and digitized: a scary thought from a data security perspective. 

It seems odd that in a world where we are used to securely accessing our personal finances at the click of a button, the same cannot be true for business finance. 

This is a massive, liquid market. It needs modernizing. Add to that the fact that volumes have ballooned as crisis hit firms work to raise working capital. That process should be entirely digitized and speeded up.

There is no question that technology is the key here. There are solutions to digitize the entire process, allowing businesses to greatly reduce their time to market and their banks to provide a vastly improved service to their corporate customers. 

 When normal ways of working are disrupted, it brings to light the inefficiencies in document workflows that cost businesses thousands of dollars in fraud each year, not to mention the other cost of lagging behind due to outdated processes.

There is now an opportunity to take the lessons learned from the pandemic and digitize processes that have shown they need it. Companies owe it to the parties they do business with to explore and apply ways to do things better, faster and more securely. That applies even more so in challenging conditions where people are physically distanced.

 

来自: Ledger Insights