Security Alert
Amid the rising concern over fraud attempts through impersonation of reputable institutions, Hong Kong Interbank Clearing Limited (HKICL) and HKICL Services Limited (HSL) would like to remind you to stay alert of any suspicious correspondence appears to be issued by HKICL and/or HSL. In principle, HKICL and/or HSL will only request payments from business partners to whom it has business relationship. HKICL and/or HSL will NOT claim to have statutory/regulatory power to request payments from others. You are advised to contact HKICL and/or HSL upon notice of any suspicious communication.
News in 2022
金管局歡迎信貸資料平台開始運作
香港金融管理局(金管局)歡迎香港銀行公會、香港有限制牌照銀行及接受存款公司公會和香港持牌放債人公會(統稱「行業公會」)今日(11月28日)有關信貸資料平台開始運作的聯合公告。
金管局一直與行業公會緊密合作，透過信貸資料平台引入多於一家個人信貸資料服務機構，以提升香港個人信貸資料服務機構的服務水平，並減低現時因市場只有一家商業營運的服務提供者而衍生的營運風險，特別是單點失誤的風險。
作爲「金融科技2025」策略下發揮數據基建潛能和推動香港金融科技發展的一項重要舉措，多家個人信貸資料服務機構模式的發展獲金管局的全力支持。金管局衷心感謝行業公會、平台營運機構、平台服務支援方及其他持份者為推出信貸資料平台和落實多家個人信貸資料服務機構模式付出巨大的努力。
信貸資料平台於今日開始運作後，參與平台的信貸提供者會陸續將個人信貸資料上載到信貸資料平台。其後，獲選信貸資料服務機構會從信貸資料平台下載這些資料以準備提供個人信貸資料服務。
請按此閱讀香港金融管理局的新聞稿。
金管局正式推出「商業數據通」
香港金融管理局（金管局）今日（10月24日）宣布正式推出「商業數據通」。「商業數據通」是金管局「金融科技2025」策略的重點舉措之一，旨在提升香港的數據基建，並締造可安全及順暢地互換數據的生態圈。
「商業數據通」作為一項以數據擁有人授權為本的數據基建，旨在便利金融機構從公私營數據提供方提取企業（尤其是中小型企業）的商業數據，促進數據共享。隨着「商業數據通」正式投入運作，金融機構可採納更多創新應用，以數碼化和簡化「認識你的客戶」、信貸評估、貸款批核及風險管理等一連串融資流程。
「商業數據通」試行期間，參與銀行合共批出了逾16億港元的中小企貸款，體現了替代數據可帶來的效用，並成功吸引23家積極從事中小企業務的銀行（詳見附件）及10間數據提供方參與。當中，六間擁有大量中小企數據的主要數據提供方已率先加入「商業數據通」，將會讓銀行在企業同意下通過「商業數據通」獲取數據。現階段涉及的商業數據涵蓋電子貿易報關、電子商貿、供應鏈、支付及信貸紀錄等資料。
為確保所有參與「商業數據通」的機構均遵守同一套規則，進行適切、公平及安全的商業數據互換，金管局今日亦公布了《商業數據通管治框架》，詳細列明管治模式及架構。
金管局鼓勵中小企聯絡參與銀行，以進一步了解銀行透過「商業數據通」提供的嶄新金融服務。詳情亦可參閱「商業數據通」網頁。
展望未來，金管局會繼續研究如何擴闊「商業數據通」的數據範圍，包括加入政府部門及分析服務供應商的數據，以發展出更多與「商業數據通」相關的新商業用例。
金管局副總裁李達志表示：「有賴銀行及不同界別的數據提供方的全力支持，『商業數據通』歷經兩年發展里程，從構思演化為試行項目，最終蛻變成投入運作的基建，為此我們深感喜悅。今日『商業數據通』正式推出，邁進數據共享的新紀元。我們深信『商業數據通』將發揮關鍵作用，推動銀行與數據提供方的多邊數據共享，促進金融創新。」
請按此閱讀香港金融管理局的新聞稿。
News in 2021
Delivery versus Payment (DvP) Linkage with Bank of Japan
A new DvP link initiated by the HKMA and Bank of Japan for cross-currency securities transactions between the HKD payment system (CHATS) and the Bank of Japan Financial Network System for Japanese Government Bond (BOJ-NET JGB) Services was launched on 1 April 2021. This new link facilitates DvP settlement of the HKD sale and repurchase (repo) transactions using Japanese Government Bonds (JGB) as collateral and helps eliminate settlement risk by ensuring simultaneous delivery of HK dollars in Hong Kong and JGBs in Japan.
News in 2020
貿易金融區塊鏈平台和香港貿易聯動平台跨境合作第一期項目開啟試運行新聞稿
11月3日，中國人民銀行數字貨幣研究所下屬機構深圳金融科技研究院與香港銀行同業結算有限公司旗下香港貿易融資平台有限公司聯合宣佈，貿易金融區塊鏈平台（以下簡稱貿金平台）和香港貿易聯動平台（eTradeConnect）已完成第一期對接項目，正式進入試運行階段。
2019年，深圳金融科技研究院與香港貿易融資平台有限公司簽署了合作備忘錄。在雙方共同努力下，已完成平台第一期對接項目。該項目旨在結合雙方在應用金融科技方面的優勢及資源，提高跨境貿易融資的互信及效率，從而降低中小企業對外貿易融資成本，協助企業“走出去”。該項目亦將切實解決現存貿易金融的痛點、難處，不單有利兩地貿易融資業務，更可進一步推動兩地金融科技合作的持續發展，打造開放、包容、共建的金融生態。
此次試運行項目獲內地中國工商銀行、中國銀行、交通銀行和香港中國銀行（香港）有限公司、中國工商銀行（亞洲）有限公司、交通銀行（香港）有限公司 、渣打銀行（香港）有限公司的支持。
深圳金融科技研究院與香港貿易融資平台有限公司同意繼續深化對接雙方平台，推動跨境貿易和創新相關貿易融資，以協助粵港澳大灣區共創雙贏發展。
關於貿易金融區塊鏈平台
為貫徹落實習近平總書記“深化金融改革開放，增強金融服務實體經濟能力，推動我國金融業健康發展”的要求，中國人民銀行數字貨幣研究所於2018年9月推出貿易金融區塊鏈平台，為中小企業提供金融、稅務、監管等多維度的服務，以共建、共有、共享模式打造一個集開放貿易金融生態、可穿透式監管、公信力於一體的金融基礎設施。除了與香港貿易聯動平台的對接，貿易金融區塊鏈平台亦會與其他境外同類平台合作，建設一個全球生態系統。
關於貿易聯動平台
貿易聯動於2018年9月正式啟用，是香港首個大型的跨銀行區塊鏈項目。此貿易融資平台最初由七家銀行發起建設，包括澳新銀行集團有限公司、中國銀行（香港）有限公司、東亞銀行有限公司、星展銀行（香港）有限公司、恒生銀行有限公司、香港上海滙豐銀行有限公司和渣打銀行（香港）有限公司；其後再有五家銀行加入，形成一個有十二間參與銀行的財團。貿易聯動由香港銀行同業結算有限公司屬下的香港貿易融資平台有限公司管理。
借助區塊鏈技術的獨有功能，貿易聯動透過數碼化貿易文件及自動化貿易流程，以增進貿易參與者之間的信任，提高貿易融資的效率及降低相關風險。有關貿易聯動的更多資訊，請參閱： https://www.etradeconnect.net
News in 2019
積金局與香港銀行同業結算有限公司合作研究積金易平台電子結算和支付系統
積金局與香港銀行同業結算有限公司（結算公司）於今天（12月10日）簽訂合作協議，共同探討適用於積金易平台的電子結算和支付系統。
在積金局機構事務總監及執行董事鄭恩賜先生、積金局營運總監及執行董事朱擎知先生、香港金融管理局（金管局）高級助理總裁劉應彬先生及金管局助理總裁（金融基建）鮑克運先生的見證下，積金局執行董事（成員）許慧儀女士和結算公司行政總裁鄧月容女士代表雙方簽署了諒解備忘錄。
朱擎知先生表示：「構建積金易平台的其中一個目的，是提高僱主和計劃成員管理強積金的效率及用家經驗，而無縫、安全可靠的電子支付系統，將會是積金易平台不可缺少的部份。」
許慧儀女士表示：「結算公司成功開發轉數快、電子支票、強積金轉移電子化支付等電子支付系統。憑藉結算公司豐富經驗和知識，將有助我們為積金易平台開發適合而高效的電子結算和支付系統，以處理將來積金易平台龐大的強積金供款和交易。」
劉應彬先生表示：「是次簽訂合作協議，標誌著雙方同意共同推動香港金融基建的發展，以進一步提升處理支付交易的效能。我很高興轉數快在推出短短一年時間已經被廣泛使用，並由個人對個人支付逐步發展至企業支付。憑藉我們開發這個高效且穩健的電子支付平台的經驗，我相信這將有助於推動積金易平台的發展，並為有關平台提供多元化及創新的支付方案。金管局會繼續致力探討更多轉數快的應用場景，進一步促進香港電子支付生態的發展。」
鄧月容女士表示：「轉數快與積金易平台皆致力為市民大眾提供高效及可靠的24x7電子服務。憑藉開發轉數快及其他電子系統的成功經驗，結算公司有信心其安全可靠的支付技術有助積金局發展一個不單以用家為本、更可為香港金融基建發展作出供獻的積金易平台。」
在積金局機構事務總監及執行董事鄭恩賜（左二）、積金局營運總監及執行董事朱擎知（左一）、金管局高級助理總裁劉應彬（右二）及金管局助理總裁（金融基建）鮑克運（右一）的見證下，積金局執行董事（成員）許慧儀（左三）和結算公司行政總裁鄧月容（右三）代表雙方簽署了諒解備忘錄，共同探討適用於積金易平台的電子結算和支付系統。
與中國人民銀行數字貨幣研究所下屬機構展開區塊鏈方面的合作
11月6日，在中國人民銀行數字貨幣研究所所長穆長春和香港金融管理局助理總裁鮑克運的見證下，中國人民銀行數字貨幣研究所副所長兼深圳金融科技研究院院長狄剛與香港貿易融資平台有限公司總裁鄧月容代表雙方在香港簽署《關於兩地貿易金融平台合作備忘錄》。
雙方這次簽訂合作備忘錄，啟動中國人民銀行貿易金融平台（PBCTFP）和香港貿易聯動平台（eTradeConnect）的互聯互通工作，為不同經濟體的貿易主體架設數字化貿易融資橋樑，助推“一帶一路”經貿往來，有利於提高跨境貿易融資互信與便利化水平，擴大我國際經貿朋友圈，助力企業“走出去”，服務實體經濟，降低中小企業對外貿易融資成本。
照片說明：簽訂備忘錄現場圖片
深圳金融科技研究院是中國人民銀行數字貨幣研究所、深圳市人民政府金融發展服務辦公室、福田區人民政府共同舉辦的事業單位，主要從事金融科技的研究開發、標準制定、認證檢測等工作，開展金融科技相關交流合作，建設國際一流的金融科技與數字貨幣高端科技研發中心、科技成果孵化中心、科技交流合作中心、金融科技人才培養中心。
香港貿易融資平台有限公司成立於2018年2月，是香港銀行同業結算有限公司的附屬公司，致力以區塊鏈技術為本地及海外參與者提供數字化的貿易或貿易融資平台。
中國人民銀行貿易金融平台於2018年9月4日在深圳成功試點上線。該平台基於中國人民銀行數字貨幣研究所自主研發的區塊鏈底層技術，實現跨境貿易主體之間的信息可穿透、信任可傳遞和信用可共享，培育包容性對接、對等性互聯、可控性共享的應用生態，為進出口企業和金融機構營造互信、便利的國際貿易融資環境。截至2019年10月末，參與推廣應用的銀行達29家、網點485家，發生業務的企業1898家，實現業務上鍊3萬餘筆，業務發生筆數5千餘筆，業務量約合750億元。
香港貿易聯動平台於2018年9月正式啟用，是香港首個大型的跨銀行區塊鏈項目，最初由七家香港銀行發起建設，目前有十二家銀行參與共建。香港貿易聯動平台借助區塊鏈技術的獨特功能，通過貿易文件的數字化和貿易流程的自動化來增進貿易參與者之間的信任，以提高效率、降低風險並促進貿易融資。
貿易聯動與貨訊通及羅兵咸永道合作，促進全球貿易和貿易融資
香港 - 2019年11月5日 - 貿易聯動 (eTradeConnect) 今天宣布了兩項概念驗證，以強化該平台的連接能力。該兩項概念驗證的目的是把傳統的繁重工序及以紙張為主的貿易融資流程數碼化，讓企業客戶能通過安全、高效率及數碼化的貿易融資流程簡便地交換他們的貿易、融資申請和貨運信息。
銀行與全球運輸網絡的連繫
貿易聯動已與貨訊通及由航運業參與者建議籌組的全球運輸業務網絡(GSBN)展開討論，探討銀行及航運業如何攜手合作為其共同客戶創造價值。
概念驗證的目的是驗證海運承運商和碼頭營運商的實時貨運信息（如提單）對銀行及其貿易融資客戶在資訊透明度、可追溯性和效率所帶來的益處。此外，此項概念驗證亦評估無紙化的貿易融資流程對降低融資風險、促進產品創新和提升效率所帶來的幫助。
貿易聯動和貨訊通在項目經理羅兵咸永道的推動下與各銀行，包括中國銀行（香港）有限公司、東亞銀行有限公司、香港上海滙豐銀行有限公司和渣打銀行（香港）有限公司，及包括中遠航運及東方海外的海運承運商完成該項概念驗證。各方在“按需知密”的原則下，交換在融資和付運過程中的數據，並以客戶體驗、營運和技術層面探討其潛在影響。
通過ERP.Connect整合客戶採購系統
貿易聯動也完成另一個通過ERP.Connect整合企業客戶採購系統的概念驗證。＂ERP.Connect＂是由羅兵咸永道根據概念驗證而設計的系統，該系統可以通過以無縫連接方式讓企業客戶提交如企業採購，訂單管理和財務管理等與貿易融資相關的數碼化信息和文件。
在過去的數個月，貿易聯動和羅兵咸永道一直緊密合作，探討和驗證貿易聯動平台與＂ERP.Connect＂的整合方案。
此外，在如何通過優化客戶體驗，達致＂端到端數碼化＂的願景方面，貿易聯動的參與銀行，包括星展銀行（香港）有限公司、香港上海滙豐銀行有限公司和渣打銀行（香港）有限公司也分享了他們理念。
ERP.Connect讓企業的財務管理人員可以通過現有的ERP系統獲得即時的融資產品選項，因而能更具體地了解其企業的財務狀況，並提升營運資金的管理能力。
中國銀行（香港）交易銀行部總經理滕琳惠女士表示：「中銀香港一直積極探索運用創新科技，提升金融服務能力，今年率先完成應用程式介面（API）開發，成為首家以系統直聯『貿易聯動』的銀行。今次『貿易聯動』平台以概念驗證引入航運行業的參與及接入企業採購系統，實現多方資訊共用，提升運營效率及透明度，讓客戶有更佳的服務體驗。我們將繼續積極於相關領域投入資源，推動數碼化貿易生態圈發展，並與各方合作夥伴攜手推動『貿易聯動』平台的發展。」
東亞銀行聯席行政總裁李民橋先生表示：「區塊鏈技術令銀行可以實時與物流服務供應商交換資訊。區塊鏈發展將有助簡化貿易融資流程, 降低風險, 便利中小企業獲取貿易融資服務。」
星展銀行(香港)環球金融交易服務總監潘利明（Nimish Panchmatia）先生表示：「貿易聯動的ERP連接器所獨特之處,在於無縫連接起企業ERP系統與參與銀行，提供一站式的貿易執行平台。我們的客戶能夠利用資源整合和系統連接的優勢，顯著提高營運效益。」
潘利明先生又認為：「數碼化可為企業營造獨特優勢，透過這種輕鬆無礙的融資體驗，客戶可以實時監察其貸款申請，從而提高服務的透明度，並降低企業的管理成本。eTradeConnect的目標是通過此合作以建立一個數碼化的生態系統，加強環球貿易系統中各持份者之間的聯繫，促進經濟合作，並推廣香港為主要的區域貿易中心。」
滙豐環球貿易及融資業務部港澳地區主管葉鳳珍女士表示：「滙豐致力支持貿易轉型及數碼化，令貿易過程變得更快捷、安全及有效率。作為『貿易聯動』的出資創辦銀行之一，我們很高興有份參與該兩項概念驗證，幫助建立環球貿易生態系統，進一步簡化客戶交易流程。根據我們處理於『貿易聯動』平台所進行的交易經驗，客戶需要一個可以促進跨境貿易的單一服務平台，以減省重複的步驟，令整體交易體驗更流暢。『貿易聯動』可為所有國際貿易的參與者帶來更大的便利。」
渣打香港交易銀行部主管安必杰（Biswajyoti Upadhyay）先生 表示：「在現今複雜的貿易環境中，客戶需要更高效及可靠的貿易流程和信息流。通過貿易聯動與建議籌組的GSBN和客戶ERP系統的連接，數碼貿易和貨運信息能實時交換，進一步實現無紙貿易，更重要的是讓客戶與貿易生態內的各個交易對手連接起來，令整個流程更具透明度，同時提高供應鏈效率。數碼化為渣打銀行的核心目標。作為貿易聯動的創始銀行，我們很高興參與了兩個概念驗證項目，旨在共同改善貿易環境並協助客戶在瞬息萬變的市場中競爭。」
羅兵咸永道全球諮詢主管穆罕默德·坎德（Mohamed Kande）先生表示：「我們很高興能促進銀行業與航運業/物流業的合作及國際貿易的數碼化，並建立一個一體化的貿易生態系統。這與羅兵咸永道建立社會信任的核心宗旨相符合，展示了我們對亞洲市場及新興技術的致力投入；通過創新和技術的使用，ERP.Connect的概念驗證體現了我們共同創造價值的數碼戰略。我們為能參與這一數碼化轉型之旅感到榮幸。」
通過這兩個合作，eTradeConnect的目標是建立一個數碼生態系統，加強全球貿易系統中各持份者之間的聯繫，加強經濟合作並促進香港成為主要的區域貿易樞紐。
關於貿易聯動
貿易聯動於2018年9月正式啟用，是香港首個大型的跨銀行區塊鏈項目。此貿易融資平台最初由七家銀行發起建設，包括澳新銀行集團有限公司、中國銀行（香港）有限公司、東亞銀行有限公司、星展銀行（香港）有限公司、恒生銀行有限公司、香港上海滙豐銀行有限公司和渣打銀行（香港）有限公司；其後另有五家銀行加入，使貿易聯動現有十二間參與銀行。貿易聯動由香港貿易融資平台有限公司管理，其為香港銀行同業結算有限公司的附屬公司。
借助區塊鏈技術的獨特功能，貿易聯動旨在通過貿易文件的數碼化和貿易流程的自動化來增進貿易參與者之間的信任，以提高效率、降低風險並促進貿易融資。
有關貿易聯動的更多資訊，請參閱：https://www.etradeconnect.net
關於貨訊通
貨訊通致力於協助企業發展全球供應鏈的數碼化變革，掌控人工智能、物聯網、區塊鏈以及現今海運行業的分析，為物流和運輸團隊提供創新的解決方案。貨訊通旨在構建整體視野，從而促進協同合作、提升可視性，並且優化供應鏈規劃和運營。貨訊通自2000年於香港成立以來，成功支持多於160,000 位運輸及物流業專業人士提高貨運可靠性、降低運輸成本及簡化運營流程。
建議籌組的全球貨運業務網絡（GSBN）是由貨訊通（CargoSmart）及全球主要海運承運人及碼頭實施的一項舉措，以公開透明、加速航運業的數碼化轉型方式改變全球供應鏈。在獲取所有監管機構的批准後，GSBN將會以非營利合資企業運營。
歡迎瀏覽www.cargosmart.ai了解更多。
關於羅兵咸永道
羅兵咸永道的目標是建立社會信任，解決重大問題。各成員機構組成的網絡覆蓋157個國家，逾276,000名員工致力於在審計、諮詢及稅務領域提供高質量的服務。如有業務需求或欲知詳情，請瀏覽：www.pwc.com。
羅兵咸永道系指羅兵咸永道網絡及/或羅兵咸永道網絡中各自獨立的法律實體。詳情請瀏覽www.pwc.com/structure。
News in 2018
貿易聯動和we.trade宣布合作計劃
***兩大亞洲及歐洲貿易融資平台計劃實現全球首個跨地區跨區塊鏈連接***
貿易聯動和we.trade今天宣布 （二零一八年十月三十一日），香港新推出的貿易融資數碼化平台──貿易聯動，與歐洲領先的貿易融資數碼化平台──we.trade簽署諒解備忘錄（Memorandum of Understanding） 。雙方在過去數星期攜手合作，並決定在簽署這份諒解備忘錄即日起，派出技術人員聯合開發連接兩個貿易融資平台的技術方案，目的是讓貿易聯動和we.trade上的企業進行跨平台貿易，並可為相關貿易發票和單據向平台上的銀行申請融資。這次合作計劃標誌著全球首個跨地區跨區塊鏈的連接。
區塊鏈網絡的互聯性是每個網絡拓寬用戶和服務範圍的致勝關鍵。通過是次諒解備忘錄的簽署，we.trade和貿易聯動（聯同各自的技術合作夥伴，分別是IBM和金融壹賬通），在未來數個月會通過概念驗證（proof-of-concept）的形式制定能夠實現全球首次兩個貿易融資平台的連接。
貿易聯動是一個建基於區塊鏈（Blockchain）的貿易融資平台，由香港12家銀行合力開發的首個大型跨銀行區塊鏈項目，並於2018年9月成功上線。貿易聯動通過區塊鏈技術打造一個為貿易夥伴加強互信、提升效率、降低風險的貿易融資平台，再加上貿易文件數碼化和貿易融資自動化，更可降低企業獲取貿易融資的難度。
同樣，we.trade也是歐洲第一個建基於區塊鏈的貿易融資平台，其使用的是IBM區塊鏈平台，自2018年6月起已為14家歐洲主要銀行提供服務。we.trade的目標是推動無縫、簡單及可信的跨境貿易。自2018年6月推出以來，we.trade已在歐洲的穩步發展，並宣布計劃在2019年擴展至歐洲以外地區。貿易聯動與we.trade間的合作正正打開了亞洲和歐洲兩個市場之間的大門。
這兩個平台有著共同的願景：連接全球網絡、促進跨境貿易。使用類同的區塊鏈技術和相似的功能，可進一步強化及鞏固兩個平台的聯繫和協同作用，為全球網絡聯網踏出重要一步。同時，雙方的合作更為亞歐之間的貿易融資業務開闢了一條新的數碼化貿易走廊。
香港貿易融資平台有限公司行政總裁鄧月容表示：「我們十分高興能與we.trade合作，相信兩個平台間的合作將會為貿易融資生態圈的發展帶來革命性的改變。此外，貿易聯動和we.trade之間的跨區塊鏈連接定必能得到各持分者的支持和肯定。」
we.trade首席營運官Roberto Mancone對此表示贊同：「we.trade很高興在金管局的支持下和香港貿易融資平台有限公司合作，這項合作不僅是科技對接，還是平台和用戶之間的運營模式、法律框架和管理體系的連接。鑑於全球數碼解決方案的分散性和擴散性，類似的平台之間的合作將會成為必然方向。我們更興奮看到we.trade成為這方面的先驅，參與開發第一個跨貿易融資平台的連接。我們的目標是建立一個可以連接到其他網絡的全面解決方案。」
「貿易聯動」啟動儀式及與歐洲貿易融資平台展開合作
香港金融管理局（金管局）宣布今日（二零一八年十月三十一日），「貿易聯動」的正式啟動。這是一個建基於區塊鏈（Blockchain）、由香港十二間主要銀行組成的聯盟共同開發的貿易融資平台。「貿易聯動」前稱為「香港貿易融資平台」。通過數碼化貿易文件，自動化貿易融資流程和利用區塊鏈技術的功能，「貿易聯動」能提高貿易效率，增加貿易參與者之間的信任，降低貿易風險和促進貿易流程中獲得融資的機會。
建立貿易融資系統的項目於2017年10月首次公佈，該項目源於金管局推動的貿易融資概念驗證（PoC）。由於結果正面，香港七間主要銀行1 決定組成一個聯盟，把PoC構建成一個商業平台。其後再有五間銀行2 加入，總成員增至十二間銀行。「貿易聯動」是香港首個大型的跨銀行區塊鏈項目。
為促進跨境貿易，金管局一直積極尋找機會把「貿易聯動」與其他地區的貿易平台聯繫起來。金管局今日見證了由「貿易聯動」與歐洲we.trade3 兩個平台的營運商4 簽署合作諒解備忘錄，以展開一個新的概念驗證，把兩個平台對接。
金管局副總裁李達志先生表示：「能夠見證首個建基於區塊鏈並由香港主要業界構建的貿易融資平台的誕生，是一個值得紀念的時刻。這表明了金融業在智慧銀行新紀元中採用新技術的意願。我們下一個重要的里程碑是將『貿易聯動』與其他地區的平台聯繫起來，以促進跨境貿易融資。『貿易聯動』與we.trade的合作為亞洲和歐洲之間的跨境貿易走廊數碼化鋪路，同時亦為兩個大型區塊鏈平台之間的對接建立了規範。」
we.trade營運總監Roberto Mancone對此表示贊同﹕「we.trade很高興和金管局促進的『貿易聯動』對接。我們的合作確認了共同的路線圖，是次合作將會是首次以『網絡中的網絡』型式把兩個區塊鏈的貿易融資平台對接。這項令人興奮的合作有可能解除歐洲和亞洲之間的貿易融資障礙，並通過協同工作能力，創建一個能結合所有貿易階段的生態系統。」
香港金融管理局總裁陳德霖先生為「貿易聯動」主持啟動儀式。
香港金融管理局總裁陳德霖先生與12間銀行的高層代表主持「貿易聯動」啟動儀式。
香港貿易融資平台有限公司行政總裁鄧月容女士(左二)與 we.trade營運總監Roberto Mancone先生 (右二) 簽署金融合作諒解備忘錄。簽署儀式由香港金融管理局助理總裁（金融基建）鮑克運先生 (左一)及we.trade董事會成員Thierry Roehm先生(右一)見證。
1. 七間主要銀行包括中國銀行（香港）有限公司，東亞銀行有限公司，恒生銀行有限公司，星展銀行（香港）有限公司，香港上海滙豐銀行有限公司，渣打銀行（香港）有限公司和澳新銀行集團有限公司
2. 其後加入的五間銀行包括上海商業銀行有限公司，中國工商銀行（亞洲）有限公司，中國農業銀行股份有限公司，交通銀行有限公司，法國巴黎銀行 香港分行
3. we.trade由九家歐洲銀行成立，目標為用戶提供一個直接簡易的跨境貿易融資平台。到目前為此，we.trade為十四個歐洲國家提供服務
4.「貿易聯動」之營運商為香港貿易融資平台有限公司；we.trade之營運商為we.trade Innovation Designated Activity Company
請按此閱讀香港金融管理局的新聞稿。
「轉數快」開通儀式
請按此閱讀香港金融管理局的新聞稿。
請按此閱讀香港政府新聞網的新聞稿。
Faster Payment System (“FPS”)
Faster Payment System (FPS) is launched on 17 September 2018. The FPS is a payment financial infrastructure introduced by the Hong Kong Monetary Authority (HKMA) and operated by Hong Kong Interbank Clearing Limited (HKICL) to enable real-time fund transfer and payment services among banks and payment service providers (including stored value facilities (SVFs) licensed by and retail payment systems (RPS) designated by the HKMA). This real-time payment platform enables instant payments in Hong Kong, providing consumers and merchants a safe, efficient and widely accessible retail payment service on a 7x24 basis.
Please click here to read the press release from the Hong Kong Monetary Authority.
News in 2017
Extension of Central Clearing and Settlement System (CCASS) Real-time Delivery versus Payment (RDvP) Settlement Window
To facilitate the usage of CCASS RDvP service by the China Connect Markets, the Hong Kong Securities Clearing Company Limited (HKSCC) has extended the settlement window for CCASS RDvP Payments with effect from 20 November 2017. The new settlement window operates between 09:15 and 18:00 hours for HKD and USD currencies and between 09:15 and 19:45 hours for RMB currency, excluding Hong Kong general holidays on which CCASS will not be operated. The corresponding schedule for CCASS cutoff events has also been revised in view of this extension, with an additional CCASS interim cut-off at 15:30.
News in 2016
Enhancements for RMB FINInform Payment
As part of the continuous drive to promote efficiency and flexibility, user interface functions are provided for Global Users to enquire their transaction status, account debit limit and reference balance through the new iMBT channel over internet and/or existing eMBT channel via SWIFT network, with effect from 21 November 2016.
Sanction Screening of USD CHATS Payments by HSBC Sanction Screening System (“HSSS”)
USD CHATS has been enhanced to interface with the HSBC Sanction Screening System, replacing the Centralised Payment Filter, with effect from 1 August 2016 to provide corresponding payment sanction screening capabilities
Hong Kong-Guangdong Province (including Shenzhen) One-Way Joint Clearing for HKD, USD and RMB e-Cheque and Hong Kong-Guangdong Province One-Way Joint Clearing for USD Paper Cheque
A new one-way Hong Kong-Guangdong and Hong Kong-Shenzhen cross-border e-Cheque clearing service of HKD, USD and RMB e-Cheques is launched on 20 July 2016. The cross-border e-Cheque links are implemented to facilitate efficient processing of e-Cheque clearing between Guangdong Province (including Shenzhen) and Hong Kong. Through the joint clearing arrangement, payees in Guangdong Province (including Shenzhen) can present e-Cheques drawn on banks in Hong Kong to banks within Guangdong Province (including Shenzhen) for further clearing and settlement in Hong Kong by HKICL.
While the Hong Kong-Shenzhen joint clearing for USD paper cheque was already implemented in 2004, we have taken this opportunity to implement the Hong Kong-Guangdong Province one-way joint clearing for USD paper cheque on the same date (i.e. 20 July 2016).
Same Day CCASS Night Settlement (“SCASSN”)
A new Renminbi same day settlement run in late evening for CCASS items is introduced on 18 April 2016. It serves to mitigate the overnight counterparty risk that may arise between investors and brokers in connection with the settlement instructions relating to securities listed in Mainland China. The Central Clearing and Settlement System generates the relevant items and submits to HKICL by Hong Kong Securities Clearing Company Limited for settlement on the same day.
Interbank Intraday Liquidity Facility
A new Interbank Intraday Liquidity Facility function is introduced in HKD CHATS, USD CHATS, RMB CHATS and Euro CHATS on 18 January 2016. It serves to enhance efficiency of the liquidity provision mechanism between Liquidity Provider(s) and its registered Liquidity Consumer(s) in respective CHATS.
News in 2015
Electronic Cheque (“e-Cheque”) Service
The e-Cheque service, launched on 7 December 2015, is an integrated presentment, clearing and settlement platform to facilitate (i) payee to present e-Cheques (including e-Cashier’s Orders) to its bank through presentment channels such as internet banking system provided by the payee’s bank or the e-Cheque Drop Box Service provided by HKICL; and (ii) clearing and settlement of e-Cheque payments. Under the e-Cheque service, both the payer and payee can execute timely payments enabled by electronic means.
RMB FINInform Payments
A new payment function is introduced in RMB CHATS on 14 September 2015 allowing Direct Participants (DPs) to act as settlement banks for registered indirect users, namely Global Users (GUs), where the GUs can exchange RMB payment messages via SWIFT’s FINInform Y-copy service for the account of their respective DPs, thus enhancing straight-through-processing, efficiency and transparency of RMB RTGS payment processing.
Extension of Renminbi ("RMB") CHATS and Central Moneymarkets Unit Processor (“CMUP”) Operating Window
With further rising demand for RMB clearing service around the world and to further strengthen Hong Kong’s offshore RMB market, the Hong Kong Monetary Authority and RMB Clearing Bank have approved an extension of the RMB CHATS operating hours from the current window between 08:30 hours and 23:30 hours (the bank cut-off time), to between 08:30 hours and 05:00 hours (the bank cut-off time) of the next calendar day on all weekdays except 1 January starting from Monday, 20 July 2015. RMB CHATS will also open between 08:30 hours and 18:30 hours (the bank cut-off time) on special Saturdays and Sundays which are designated as working days in Mainland China. To facilitate RMB clearing members to better manage their RMB liquidity, the daily closing time of CMUP has also been extended from 23:30 hours to 05:00 hours of the next calendar day to align with the operation schedule of RMB CHATS on all weekdays.
News in 2014
Monthly Intraday Liquidity Monitoring Report
To facilitate Member’s management of intraday liquidity, a new Monthly Intraday Liquidity Monitoring Report was introduced to CHATS of all four clearing currencies on 17 November 2014. This new report facilitates Members to monitor their intraday liquidity usage and positions arising from CHATS activities.
Payment-versus-Payment Settlement for US Dollar ("USD") and Thai Baht ("THB")
A new cross-border payment-versus-payment (PvP) link between the USD CHATS and the BAHTNET system (Bank of Thailand’s Thai Baht RTGS system) for settlement of USD/THB foreign exchange transactions was launched on 28 July 2014. This new link facilitates PvP settlement of USD/THB foreign exchange transactions by eliminating settlement risk for the banking institutions in Hong Kong and Thailand.
Mandatory Provident Fund (MPF) Money Settlement Service
To enhance the efficiency of MPF funds settlement among trustees arising from investor portfolio transfers, the HKMA and Mandatory Provident Fund Schemes Authority have jointly introduced money settlement for MPF funds transfer (“MPF Money Settlement Service”) under the Central Moneymarkets Unit (“CMU”) of the HKMA with effect from 19 May 2014.
All MPF trustees in Hong Kong will participate as CMU members and engage settlement banks who are Members of the Clearing House to carry out money settlement on their behalf in the new MPF bulk settlement run in the HKD clearing system.
News in 2013
Electronic Bill Presentment and Payment (EBPP)
EBPP, a platform established by the joint effort of Hong Kong’s banking industry, provides a single consolidated platform that enables the general public to receive and pay bills, or to make donations and receive donation receipts via their internet banking systems. Effective from 18 November 2013, participating banks can exchange merchant, enrolment, bill presentment and donation receipt information through this centralised service. In addition, bill related payments and donations in HKD, USD or RMB can be settled via the corresponding clearing and settlement service.
Delivery versus Payment Link with Euroclear Bank
To facilitate cross-border collateralised lending and borrowing, the delivery versus payment (DvP) facilities of CHATS is extended to securities transactions settled in Euroclear Bank effective 17 June 2013. A linkage between the CHATS of HKICL and global tripartite repo system of Euroclear Bank is established for supporting DvP settlement of the transfer of collateralised securities in Euroclear Bank and the transfer of funds in CHATS simultaneously.
Alphanumeric Clearing Code
Effective 18 March 2013, three-digit alphanumeric clearing codes will be introduced for overseas direct participants (“DPs”) of USD Clearing, Euro Clearing and RMB Clearing, so as to save the usage of the current three-digit numeric clearing codes for local clearing member. Alphanumeric clearing codes will be assigned to overseas DPs that do not participate in bulk clearing and CCASS money settlement services (including paper cheque clearing, CCASS and other electronic clearing service, and/or CCASS real-time DvP service).
HKICL Network (ICLNet)
ICLNet, a secure, open, scalable, and high performance restricted-access private IP-based network for connecting the respective computer systems of the financial institutions and other licensed financial entities in Hong Kong to exchange electronic data efficiently and in a secure manner, commenced operations on 18 March 2013.
News in 2012
Dual Sites Operations
HKICL relocated its production clearing centre, data centre and main office from Hong Kong Island to Kowloon on 17 December 2012. The Hong Kong Island offices were converted into the Company’s backup clearing and data centre at the same time. With a view to providing better clearing service and bringing convenience to Members after HKICL’s relocation, clearing counter services are provided at both Hong Kong Island and Kowloon centres (Dual Sites Operations) to facilitate Members’ outward submission and inward collection of clearing/returned items.
Cross-border Autodebit Service between Guangdong (“GD”) and Hong Kong (“HK”) using China UnionPay HKD/RMB Debit Cards and Direct Debit RMB Account
Following the launch of the cross-border autodebit service between Shenzhen and HK that enables customers in Hong Kong to make autodebit payments to merchants such as utility companies, telephone operators, estate management companies, etc. in Shenzhen, China, this service has been extended to cover Guangdong province starting from 16 July 2012. This service provides greater convenience to customers in Hong Kong, who can make payments by debiting their China UnionPay HKD/RMB debit cards, or RMB bank accounts in Hong Kong to eligible merchants in the Guangdong Province.
Extension of Renminbi ("RMB") CHATS and Central Moneymarkets Unit Processor ("CMUP") Operating Window
To strengthen Hong Kong’s capability in settling overseas RMB payments, the Hong Kong Monetary Authority and RMB Clearing Bank have approved an extension of the RMB CHATS operating hours from the current window between 08:30 hours and 18:30 hours (the bank cut-off time), to between 08:30 hours and 23:30 hours (the bank cut-off time) on all weekdays except 1 January effective Monday, 25 June 2012. To facilitate RMB clearing members to better manage their RMB liquidity, the daily closing time of CMUP has also been extended from 18:30 hours to 23:30 hours to align with the operation schedule of RMB CHATS.
News in 2011
RMB EPS and RMB Same Day Settlement EPS
As a continuous expansion of the RMB business in Hong Kong, we have launched the new RMB EPS and RMB Same Day Settlement services on 21 November 2011. These services facilitate the clearing and settlement of retail payment transactions of the participating merchants of EPSCO in RMB currency.
CCASS T+2 Money Settlement Service ("Service")
The Service was launched on 25 July 2011. Under the new arrangement, the overnight credit risk arising from the settlement gap between stock and money is minimized since the securities trades settled by the Central Clearing and Settlement System operated by Hong Kong Securities Clearing Company Limited and the interbank money settlement for these trades via HKICL would be done on the same day.
Renminbi ("RMB") Autopay and RMB Special CCASS Items
To support the expansion of RMB business in Hong Kong, we have launched a new RMB Autodebit and Autocredit service on 21 March 2011. Furthermore, to facilitate the timely clearing and settlement of RMB Initial Public Offering refund, a new bulk clearing service for RMB Special CCASS items was introduced also on the said date.
News in 2010
Regional CHATS Payment Service (“RCPS”)
To sustain Hong Kong’s status as a regional hub and to cope with the expansion of local Renminbi (“RMB”) business, the RCPS has been enhanced to include RMB in addition to the original 3 currencies, i.e. HKD, USD and Euro. This additional service is available since 20 December 2010. RCPS service providers who wish to provide RMB RCPS can subscribe this enhanced service with HKICL.
Same Day Settlement JETCO Items
This new service launched on 20 September 2010 allows the members of Joint Electronic Teller Services Limited (“JETCO”) an option to enjoy earlier funds availability as the interbank payments initiated by JETCO are settled within the same day of submission. The existing settlement on the working day after submission remains unchanged.
Same Day Settlement EPS Items
This new service launched on 20 September 2010 allows the participating merchants of Easy Payment System (“EPS”) an option to enjoy earlier funds availability as the settlement of the EPS items submitted to HKICL by Easy Payment System Company (Hong Kong) Limited is done within the same day of submission. The existing settlement on the working day after submission remains unchanged.
Cross-border Autodebit Service Using China UnionPay HKD Debit Cards
In view of the frequent economic interaction between Hong Kong and Shenzhen, we have launched a Cross-border Autodebit Service jointly with China UnionPay (“CUP”) and Shenzhen Financial Electronic Settlement Centre on 27 September 2010. This service facilitates payment made by debtors in Hong Kong to merchants in Shenzhen using CUP HKD Debit Card.
Browser-based RTGS front-end applications on SWIFTNet and Internet
The front-end terminal applications of the RTGS systems were successfully migrated from the text-based MBT/400 and CMT/400 to browser-based applications on 12 July 2010. After the migration, eMBT via SWIFTNet is the front-end terminal application of CHATS of all clearing currencies, while eCMT via SWIFTNet and iCMT via the Internet are the front-end terminal applications of the HKMA's CMU. The new eMBT, eCMT and iCMT are user friendly applications that improve the users’ operations in addition to the enhanced system functionalities.
Payment-versus-Payment Settlement for US Dollar ("USD") and Indonesian Rupiah ("IDR")
A new payment system linkage between the USD CHATS and the BI-RTGS System (Bank Indonesia's RTGS system) for payment-versus-payment (“PvP”) settlement of USD/IDR foreign exchange transactions was launched on 25 January 2010. This new payment systems linkage facilitates PvP settlement of USD/IDR foreign exchange transactions as a measure to eliminate settlement risk for the banking institutions in Hong Kong and Indonesia.
News in 2009
The establishment of cross-border links with the clearing and settlement systems of other Asian countries will help developing Hong Kong into a payment and settlement hub for the region. Following the successful linkage of USD CHATS with RENTAS (a real time electronic transfer of funds and securities system) in Malaysia to facilitate the real time payment versus payment transactions of USD/Malaysian Ringgit, and the settlement in Hong Kong of the cash leg of the real time delivery versus payment transactions of USD bonds traded in Malaysia, a cross border link for fund transfers between Hong Kong’s RTGS systems and the Mainland’s foreign currency RTGS systems was launched on 16 March 2009. This cross border link facilitates 2-way real-time USD, HKD and Euro funds transfers between banks in Hong Kong and banks participating in the RTGS systems of the respective currencies in the Mainland. A list of the banks in Mainland that participate in the cross border link can be found on HKICL website.
Effective 25 May 2009, the RTGS systems of all clearing currencies are able to support payment transactions transmitted in SWIFT message format.
News in 2008
Effective 23 June 2008, in addition to HKD cheques, USD cheques drawn on banks in Macau and presented by banks in Hong Kong can be settled on the following working day.
The RTGS operating hours were extended by one hour from 17:30 hours to 18:30 hours, Mondays to Fridays except General Holidays, effective 3 November 2008 in order to allow banks in Hong Kong that have business with the Mainland and western Asian countries more time to process their remittance payments which in turn could enhance their services and help developing Hong Kong as a regional payment HUB to serve the neighbour countries in the region.
A new clearing service to enhance the refund process of the electronic initial public offering (“eIPO”) of the Central Clearing and Settlement System (“CCASS”) was launched on 15 December 2008. Under this new service, the inter-bank settlement of the eIPO refund monies is performed on the refund day so that the CCASS participants can receive the refund monies in good funds on the same day instead of previously on the working day following the refund day. .
News in 2007
The Regional CHATS Payment Services was launched in July 2007 which linked all participants of the existing HKD, USD and Euro RTGS systems in Hong Kong in order to build an extensive correspondent network to facilitate the cross-border payments through the RTGS systems in Hong Kong during Asian business hours.
To support the clearing and settlement of the RMB-denominated transactions in Hong Kong, a full-fledged Renminbi RTGS system, and the RMB local cheque clearing were introduced on 18 June 2007.
The one-way clearing for HKD cheques drawn on banks in Hong Kong and presented by banks in Macau was introduced in August 2007 to reduce the time taken for Macau residents to receive funds.
The linkage between Hong Kong’s USD RTGS Systems and Malaysia’s Rentas Scriptless Securities Trading System for delivery-versus-payment settlement of USD bonds in Malaysia was introduced on 12 November 2007. This linkage eliminates settlement risk of USD bonds issued and traded in Malaysia by ensuring simultaneous delivery of US dollars in Hong Kong and USD bonds in Malaysia.
The opening of the RTGS settlement window was advanced by 30 minutes from 09:00 hours to 08:30 hours with effect from 3 December 2007 in order to allow banks more time for the settlement of CCASS related payments given the booming stock market, which in turn helps banks to better manage their liquidity for the settlement of CCASS items.
News in 2006
Payment versus Payment (PvP) Settlement for USD and Malaysian Ringgit (MYR)
The Hong Kong Monetary Authority and Bank Negara Malaysia (BNM), the Central Bank of Malaysia has agreed to establish a link between the Ringgit real-time gross settlement system in Malaysia (the RENTAS system) and the USD real-time gross settlement system in Hong Kong (USD RTGS system). This payment link enables the reduction of foreign exchange settlement risk through the implementation of a PvP mechanism during the Malaysia and Hong Kong business hours, and helps to increase the efficiency and safety of payment systems in Malaysia and in the region, in particular to manage FX settlement risk exposure for the FX transactions involving the US dollar and MYR.
This new system was launched on 13 November 2006.
Renminbi Settlement System
HKICL has been engaged by Bank of China (Hong Kong) Limited, the Clearing Bank ("CB") for RMB business in Hong Kong, to develop a Renminbi Settlement System ("RSS") that provides participants of this system with RMB cheque clearing service, and real-time RMB payment services including RMB position-squaring, remittance processing, and RMB bank card payment.
Licensed banks in Hong Kong, as well as their credit card subsidiaries can join the RSS with the permission from the CB and the HKMA, and each participant has to maintain a settlement account with the CB. The RSS is launched on 6 March 2006.