匯豐完成CargoX試行交易 推動中小企融資創新發展
匯豐表示,透過多元化的嶄新方案,提升數據應用,建立新一代貿易融資和商業貸款的信貸審核模式,推動香港中小企融資創新發展。
作為業界先驅,匯豐成為首批完成CargoX試行交易的銀行之一。CargoX由金管局牽頭,屬為期數年的公私營合作項目,旨在以「商業數據通」為基礎,充分利用數據及數碼方案,提升中型及小型企業獲取貿易融資的機會。
作為CargoX專家小組成員,匯豐使用港口社區系統上的貨運及交付紀錄,協助本地貨運及供應鏈服務供應商Cargoholic International Limited獲取一筆營運資金貸款。匯豐透過港口社區系統的數據,確認物流情況,從而優化貿易融資的提取流程,展現出物流數據的潛力。匯豐亦在試行交易中深入了解港口社區系統所提供的數據,有助進一步探討未來的數據連接。
匯豐亦為參與「商業信貸資料庫2.0」概念驗證項目的試點銀行之一。
匯豐香港區行政總裁林慧虹稱,匯豐最近的Global Trade Pulse貿易調查報告顯示,四成香港企業希望透過更簡易的方式獲取量身定制的貿易融資,以應對複雜多變的全球貿易環境。該行利用數據輔助信貸審核,針對中型及小型企業在貿易融資中常見的問題,解決貿易平台高度分散所帶來的挑戰,幫助他們克服獲取足夠文件和可靠證明的困難。數據應用為貿易融資開啟新篇章,有助推動香港成為數碼貿易樞紐,並幫助企業把握增長機遇。
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