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中銀香港(02388.HK)支持構建「商業數據通」 為首間全流程驗證貸款審批銀行
阿思達克 11-03 10:43
中銀香港(02388.HK)宣布,在金管局「商業數據通」項目第二階段的概念驗證研究及技術對接中,成為首間以全流程使用商業數據為中小企客戶完成貸款審批的本地銀行。整個過程涉及與數據提供方合作,並需要在客戶同意下,應用有關數據完成信貸評估、審批及貸款後的風險管理,有效提升審批效率,加大對中小企的支援。 中銀香港工商金融部總經理謝小玲表示,中銀香港積極支持金管局構建「商業數據通」項目。在獲取客戶同意下,該行通過「商業數據通」平台使用企業自身的商業數據進行貸款審批,有別以往以財務報表作分析的框架,一方面減少客戶所需提供的資料, 簡化了貸款申請程序,提升審批效率;同時在商業數據輔助下,可更實時了解中小 企客戶的業務狀況,準確分析其業務發展潛力。 該行指,將繼續積極研究,把商業數據更有效地運用在金融和信貸服務上,並計劃於短期內推出線上 企業貸款申請服務,為中小企提供更便捷的貸款申請渠道。
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