東亞銀行(00023.HK)與平安金融壹賬通征信合作 為貿易商中小企作信貸評估
東亞銀行(00023.HK)宣布與平安金融壹賬通征信,利用香港金融管理局的數據基建「商業數據通」,協助從事貿易業務的中小企客戶進行信貸評估。
銀行解釋,相關流程利用客戶透過「貿易通」向香港政府遞交的進出口報關數據作為為替代數據。銀行在獲得貸款申請客戶的授權下,透過「商業數據通」,讓壹賬通征信於「貿易通」收集以上數據,作為其中一項主要貸款審批基礎。以上流程能提升獲取貿易相關數據的速度、簡化融資評估及批核流程、使中小企可以更快獲批貸款、靈活解決資金周轉需求。
東亞銀行集團資訊總監、總經理兼科技及生產力促進處主管梁兆恩表示,「商業數據通」促進數據共享,讓本港銀行可以更安全快捷地取得準確商業數據,甚至利用數據基建的可擴展性以豐富銀行數據來源,從而開發更多創新用例。
平安金融壹賬通征信行政總裁賈國慶亦表示,通過「商業數據通」向銀行提供新型征信服務,便利銀行實現對更大範圍的中小企業金融支援,符合監管及業界對香港金融市場發展的要求和導向。(js/cy)
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