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澳大利亚联邦银行财富管理主管:区块链可以大幅度降低银行财富管理成
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Topic: 澳大利亚联邦银行财富管理主管:区块链可以大幅度降低银行财富管理成 (Read 89 times)
djt272
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澳大利亚联邦银行财富管理主管:区块链可以大幅度降低银行财富管理成
January 12, 2018, 05:49:31 PM
#1
康联首域集团(CFS)正在重构2.2万亿美元基金管理市场的产品购买流程,声称这将大幅度降低银行在财富管理运营中必须持有的资本数额。澳大利亚联邦银行财富管理主管Annable Spring澳大利亚联邦银行新兴技术团队和惠普拆分公司Hewlett Packard Enterprise最近通过使用R3区块链联盟的Corda分布式账本技术进行了一项试验,这项试验允许CFS消除基金管理以及为期三天的产品交付过程中的繁琐纸质应用流程。R3银行区块链联盟正在开发的Corda可以通过允许资产交换和交易进行即时结算,从而消除了中介机构带来的对手方风险。同时还能跨地域地看清每一个对手方的状况。通过消除发行方违约或者投资者未能结算的风险,银行将可以降低覆盖这些风险所需要的监管资本数额。澳大利亚联邦银行财富管理部门主管Annable Spring在上周举办的悉尼APAC区块链会议上表示说:“如果区块链能够获得局部、区域或全球的采用,那么财富管理行业需要保管的资本数量就能大幅度降低。”“对于我们行业来说,我们可以具有更加高效的资金流动,通过消除风险来释放资本要求,为监管机构提供最新的市场看法,降低对手方风险。如果区块链获得广泛应用,那么将会降低整体金融经济体系风险。”她还表示:“如果金融机构可以提供实时的基金购买流程,这意味着可以大幅度降低用于覆盖每日结算的支付所需的资金数量。”减少管理资本可以增加股本回报率——这是一个推动银行股票价格的关键因素。为了推动通过手机购买或出售产品的试验,澳大利亚联邦银行已经创建了一种数字货币(目前尚未公开上线)。Spring表示监管机构最终必须决定是否发行数字版本的澳元来推动现实交易,但是要想达到行业级别,普遍认为特定的区块链用例最好能够与一种在区块链上进行结算的数字化价值产品相结合。?区块链的下一目标——财富管理行业的复杂性?澳大利亚联邦银行正在实验其他的区块链用例,包括全球贸易金融供应链以及为昆士兰财政部发行半政府证券,不过Spring表示这些都是一些相对简单的交易。该银行还正在使用瑞波区块链探索处理跨国支付。Spring说:“尽管该项目还正在继续,区块链的支付应用相当好理解。”“对我而言,全球财富管理行业的复杂性就是是区块链技术下一步要解决的领域。这种技术可能会可能会改变全球财富管理行业。”区块链在财富管理行业的潜力已经显现,因为目前的用户基金买卖体验非常复杂和繁琐。Spring说:“尤其是,区块链技术可以在后台流程中发挥全部的潜力。目前来说,尽管力求精简,但流程众多,有很多的对手方通过该系统多次移动资金,进行多次对账,同时还要保护客户隐私。”康联首域集团(CFS)每天要估价超过20000种金融市场资产,每月记录和协调超过100000笔来自各种经理的交易。CFS每天都要接到大约4000次客户来电以及超过1000封来信。从体而言,该企业每月处理超过50万笔交易,每天通过金融系统转移超过5亿美元。基金购买的初始流程可能会需要3天时间才能完成,用户需要通过金融顾问填写数十份纸质文件,然后发送给CFS,再交给数个小组进行文件核查。这都极大地增加了该流程的成本。此外,客户委托购买资产涉及到资金和数据通过金融顾问流入到CFS,一旦获得确认,基金经理然后就会购买资产,一般通过经纪商。所有的交易都会被各种注册商,托管商,经纪商和中央清算中心所记录。这些流程可能需要几天的时间才能获得确认。Spring表示CFS希望为客户创建一种“T+0”体验。“我不认为我们客户想要等待T+2或者T+3。”澳大利亚联邦银行对Corda的安全协议很有信心,因为全球数十家银行都参与了Corda的设计。据Strategic Insight表示,全球管理基金市场价值2.2万亿美元。CFS管理着1630亿美元,约占7.4%。
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Re: 澳大利亚联邦银行财富管理主管:区块链可以大幅度降低银行财富管理
January 13, 2018, 04:46:31 PM
#2
说的很好
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