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渣打银行和星展银行领导基于区块链的新加坡贸易融资解决方案平台

2020-10-7 14:20

 

今天渣打银行和星展银行宣布了一项成功的区块链概念证明了新加坡贸易融资注册表(总生育率)银行业的支持下,旨在应对欺诈。


其目的是防止显示货物所有权的同一文件被多次用于贸易融资。


为加快平台的建设和运行,新加坡政府机构企业发起了这一倡议,并指定了拥有一个成功的贸易融资解决方案的dltledgers来实施这一平台。共有14家银行与新加坡银行协会(ABS)一起参与。


动机是明确而紧迫的,因此,开发和测试在短短三个月内就完成了。


新加坡企业集团(Enterprise Singapore)助理首席执行官萨特温德•辛格(Satvinder Singh)表示:“通过与一家专注于区块链技术的本地公司dltledgers合作,行业工作组能够加快开发一个中立、安全的平台,以简化银行之间的信息流动,防止重复融资。”


仅在今年,就有三名知名的大宗商品交易员在新加坡破产,在这三起案件中,银行都声称在贸易融资方面存在欺诈行为。


Hin Leong Trading崩溃,负债385万美元。其创始人被指控“唆使”某人伪造一份文件,称其转让了105万桶汽油,而这份文件被用于5600万美元的贸易融资。


Agritrade倒塌与15亿美元的债务。荷兰国际集团声称,Agritrade为同一货物多次签发了“重叠”提单,以确保贸易融资。据称,德国商业银行认为它资助的煤炭运输实际上并不存在。


在规模较小、倒闭的能源交易商ZenRock的案例中,汇丰指控ZenRock为同一批石油货物发行了重复的商业发票。


“贸易融资注册标志着一个重要一步通过合作促进更大的透明度和加强贷款行为在新加坡银行业同时确保一个安全的操作环境的行业进展日益数字化的贸易的未来,”他Muthukrishnan说,全球贸易产品管理主管,星展银行。


测试完成后,星展银行(DBS)和渣打银行(Standard Chartered)将与银行协会(Association of Banks)合作,创建一个行业公用事业。一旦这些措施到位,其目标是在全球推广。


虽然它可能很快进入市场,但它并不是唯一具有相同目标的解决方案。两年前,在印度央行(Reserve Bank of India)和SWIFT India的支持下,货币基金组织创建了一个具有类似目标的平台,并已在印度推出。许多贸易融资区块链也旨在提供反欺诈解决方案,但问题是每个网络只有一个银行子集。因此,行骗者仍然可以找到漏洞,以筹集重复的资金。


就其工作方式而言,每个银行在dltledgers平台上都有自己的区块链节点,该平台使用企业区块链超账本结构。区块链上不保存交易细节,但存储了某些文件的哈希值或指纹。最初的单据类型包括提单(BL)、保函(LOI)和租船合同提单(CPBL)。


文档的散列存储在银行自己的节点上。尽管数据从未离开银行节点,但它用于验证。如果向银行提交了一份文件,它可以确认该工具是否得到了融资,是否被银行接受以进行处理,或者是否得到了融资。警钟也可以相应地敲响。


其他参与的银行包括荷兰银行(ABN AMRO)、澳新银行(ANZ)、联昌国际银行(CIMB)、德意志银行(Deutsche Bank)、印度工业信贷投资银行(ICICI)、劳埃德银行(Lloyds)、马来西亚央行(Maybank)、法国外贸银行(Natixis)、华侨银行(OCBC)、荷兰合作银行(Rabobank)、SMBC和大华银行(UOB)。

 

Today Standard Chartered and DBS Bank announced a successful blockchain proof of concept for a Singapore Trade Finance Registry (TFR) supported by the banking industry, aimed at tackling fraud. 

The goal is to prevent the same document that shows title to goods, being used for trade finance more than once. 

To get the platform up and running quickly, government body Enterprise Singapore sponsored the initiative and appointed dltledgers, which has a successful trade finance solution, to implement the platform. In total 14 banks are involved together with the Association Banks of Singapore (ABS).

The motivation is clear and urgent, and as a result, the development and testing was completed in just three months. 

“By working with dltledgers, a local company specialising in blockchain technology, the industry workgroup was able to accelerate the development of a neutral and secure platform to ease the flow of information between banks and prevent duplicate financing,” said Satvinder Singh, Assistant CEO, Enterprise Singapore. 

This year alone, three high profile commodities traders have failed in Singapore, and in all three cases, banks have alleged fraud in connection with trade finance. 

Hin Leong Trading collapsed with $3.85 million in debt. Its founder has been charged with “instigating” someone to forge a document saying it transferred 1.05 million barrels of gasoil, and the paper was used for a $56 million trade financing.

Agritrade collapsed with $1.5 billion in debt. ING has alleged that Agritrade issued “overlapping” bills of lading to secure trade finance multiple times for the same goods. And allegedly, Commerzbank believes that shipments of coal it financed don’t actually exist.

In the case of the smaller collapsed energy trader ZenRock, HSBC has alleged ZenRock issued duplicate commercial invoices to raise finance for the same oil cargo.

“The Trade Finance Registry marks an important step towards fostering greater transparency through collaboration and strengthening lending practices in Singapore’s banking sector while ensuring a secure operating environment for the industry as we progress towards an increasingly digital trade future,” said Sriram Muthukrishnan, Global Head of Trade Product Management, DBS Bank.

After the testing is complete, DBS and Standard Chartered will work with the Association of Banks to create an industry utility. Once that’s in place the aim is to roll it out globally.

While it may be quick to market, it isn’t the only solution with the same aim. Two years ago, Monetago created a platform with similar goals that has been rolled out in India with the support of the Reserve Bank of India and SWIFT India. Many of the trade finance blockchains also aim to provide anti-fraud solutions, but the problem is that each network only has a subset of banks. So a fraudster can still find gaps where they can raise duplicate finance.

In terms of how it works, each bank has its own blockchain node on the dltledgers platform, which uses enterprise blockchain Hyperledger Fabric. Details of the trade are not kept on the blockchain, but hashes or fingerprints of certain documents are stored. The initial types of documents include Bills of Lading (BL), Letters of Indemnity (LOI), and Charter Party Bills of Lading (CPBL).

The hashes of the documents are stored on the bank’s own node. Although the data never leaves the bank’s node, it is used for validation. If a document is submitted to a bank it can validate whether the instrument has been financed, accepted by a bank for processing, or not financed. And alarm bells can be raised accordingly.

The other participating banks are ABN AMRO, ANZ, CIMB, Deutsche Bank, ICICI, Lloyds, Maybank, Natixis, OCBC, Rabobank, SMBC and UOB. 

 

来自: Ledger Insights