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贸易联动和我们. 贸易宣布合作计划

***两大亚洲及欧洲貿易融资平台計劃實現全球首个跨地区跨区块链连接***

贸易联动和我们. 贸易今天宣布（二零一八年十月三十一日），香港新推出的贸易融資数码化平台──贸易联动，与欧洲领先的贸易融资数码化平台──我们. 贸易签署谅解备忘录（谅解备忘录） 。雙方在過去数星期携手合作，并决定在签署这份谅解备忘录即日起，派出技术人员联合开发連接两个贸易融资平台的技术方案，目的是让贸易联动和我们. 贸易上的企业进行跨平台贸易，并可為相关貿易发票和单据向平台上的银行申请融资。 这次合作計劃標誌着全球首个跨地区跨区块链的连接。

区块鏈网络的互联性是每个网络拓宽用户和服务范围的致胜关键。 通过是次谅解备忘录的签署，我们. 贸易和贸易联动（聯同各自的技术合作伙伴，分别是Ibm和金融壹賬通），在未来數个月会通过概念验证（概念证明）的形式制定能夠实现全球首次两个贸易融资平台的连接。

贸易联动是一个建基于区块链（区块链）的贸易融资平台，由香港12家银行合力开发的首个大型跨银行区块链项目，并于2018年9月成功上线。 贸易联动通过区块链技术打造一个為貿易夥伴加强互信、提升效率、降低风险的贸易融资平台，再加上贸易文件数码化和贸易融资自动化，更可降低企業獲取贸易融资的难度。

同樣，我们. 贸易也是欧洲第一个建基于区块链的贸易融资平台，其使用的是Ibm区块链平台，自2018年6月起已为14家歐洲主要银行提供服务。我们. 贸易的目标是推动无缝、简单及可信的跨境贸易。 自2018年6月推出以来，我们. 贸易已在欧洲的稳步发展，并宣布計劃在2019年扩展至欧洲以外地区。 贸易联动与我们. 贸易间的合作正正打开了亚洲和欧洲两个市场之间的大门。

这两个平台有着共同的愿景：連接全球网络、促进跨境贸易。使用類同的区块链技术和相似的功能，可进一步强化及巩固两个平台的联系和協同作用，为全球网络联网踏出重要一步。同時，双方的合作更为亚欧之间的贸易融资业务開闢了一条新的数码化贸易走廊。

香港贸易融资平台有限公司行政总裁鄧月容表示：「我們十分高兴能与我们. 贸易合作，相信两个平台间的合作將会为贸易融資生態圈的发展带来革命性的改变。此外，貿易联动和我们. 贸易之间的跨区块链连接定必能得到各持分者的支持和肯定。」

我们. 贸易首席营运官罗伯特给马肯對此表示贊同：「我们. 贸易很高兴在金管局的支持下和香港贸易融资平台有限公司合作，这项合作不仅是科技对接，还是平台和用户之间的运营模式、法律框架和管理体系的连接。 鉴于全球数码解决方案的分散性和扩散性，类似的平台之间的合作将会成为必然方向。 我们更兴奋看到我们. 贸易成为这方面的先驱，參與开发第一个跨贸易融资平台的连接。 我们的目标是建立一个可以连接到其他网络的全面解決方案。」

「贸易联动」启动仪式及与欧洲贸易融资平台展开合作

香港金融管理局（金管局）宣布今日（2018年10月31日）「贸易联动」的正式启动。这是一个建基于区块链（Blockchain）、由香港十二间主要银行组成的联盟共同开发的贸易融资平台。「贸易联动」前称为「香港贸易融资平台」。通过数码化贸易文件，自动化贸易融资流程和利用区块链技术的功能，「贸易联动」能提高贸易效率，增加贸易参与者之间的信任，降低贸易风险和促进贸易流程中获得融资的机会。

建立贸易融资系统的项目于2017年10月首次公布，该项目源于金管局推动的贸易融资概念验证（PoC）。由于结果正面，香港七间主要银行¹ 决定组成一个联盟，把PoC构建成一个商业平台。其后再有五间银行² 加入，总成员增至十二间银行。「贸易联动」是香港首个大型的跨银行区块链项目。

为促进跨境贸易，金管局一直积极寻找机会把「贸易联动」与其他地区的贸易平台联系起来。金管局今日见证了由「贸易联动」与欧洲we.trade³ 两个平台的营运商⁴ 签署合作谅解备忘录，以展开一个新的概念验证，把两个平台对接。

金管局副总裁李达志先生表示：「能够见证首个建基于区块链并由香港主要业界构建的贸易融资平台的诞生，是一个值得纪念的时刻。这表明了金融业在智慧银行新纪元中采用新技术的意愿。我们下一个重要的里程碑是将『贸易联动』与其他地区的平台联系起来，以促进跨境贸易融资。『贸易联动』与we.trade的合作为亚洲和欧洲之间的跨境贸易走廊数码化铺路，同时亦为两个大型区块链平台之间的对接建立了规范。」

we.trade营运总监Roberto Mancone对此表示赞同：「we.trade很高兴和金管局促进的『贸易联动』对接。我们的合作确认了共同的路线图，是次合作将会是首次以『网络中的网络』型式把两个区块链的贸易融资平台对接。这项令人兴奋的合作有可能解除欧洲和亚洲之间的贸易融资障碍，并通过协同工作能力，创建一个能结合所有贸易阶段的生态系统。」

香港金融管理局总裁陈德霖先生为「贸易联动」主持启动仪式。

香港金融管理局总裁陈德霖先生与12间银行的高层代表主持「贸易联动」启动仪式。

香港贸易融资平台有限公司行政总裁邓月容女士(左二)与 we.trade营运总监Roberto Mancone先生 (右二) 签署金融合作谅解备忘录。签署仪式由香港金融管理局助理总裁（金融基建）鲍克运先生 (左一)及we.trade董事会成员Thierry Roehm先生(右一)见证。

^{1.七间主要银行包括中国银行（香港）有限公司，东亚银行有限公司，恒生银行有限公司，星展银行（香港）有限公司，香港上海滙丰银行有限公司，渣打银行（香港）有限公司和澳新银行集团有限公司}

^{2.其后加入的五间银行包括上海商业银行有限公司，中国工商银行（亚洲）有限公司，中国农业银行股份有限公司，交通银行有限公司，法国巴黎银行 香港分行}

^{3.we.trade由九家欧洲银行成立，目标为用户提供一个直接简易的跨境贸易融资平台。到目前为此，we.trade为十四个欧洲国家提供服务}

^{4.「贸易联动」之营运商为香港贸易融资平台有限公司；we.trade之营运商为we.trade Innovation Designated Activity Company} 

請按此閱讀香港金融管理局的新聞稿。

「转数快」开通仪式

请按此阅读香港金融管理局的新闻稿。

请按此阅读香港政府新闻网的新闻稿。

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.

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.

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.

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.

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.

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.

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.

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.

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. .

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.

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.