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匯豐透過「銀行同業帳戶數據共享」簡化中小企信貸申請
阿思達克 02-27 10:48
匯豐宣布透過香港金融管理局「銀行同業帳戶數據共享」先導計劃,推出全新中小企信貸申請流程,利用數據簡化當中程序,縮短商業客戶獲取銀行融資的時間。 根據先導計劃的安排,匯豐可按客戶意願,從其他參與銀行取得客戶的存款賬戶資訊,包括賬戶是否存在、狀態、結餘和交易資訊。由2月底起,指定匯豐商業綜合戶口持有人在申請融資時,可授權匯豐取得其恆生銀行賬戶數據。匯豐將於未來數月陸續與更多銀行建立數據連接。計劃推出後,匯豐協助一間從事玩具貿易的中小企,透過更簡單快捷的流程申請商業貸款。 匯豐工商金融總經理兼香港及澳門主管方嘯表示,「銀行同業帳戶數據共享」先導計劃是香港開放銀行進程又一里程碑,有利創建更緊密連繫和以客戶為本的銀行體系。經客戶同意後,銀行會利用其他銀行的賬戶數據進一步簡化貸款流程,幫助中小企適時獲取融資。 合資格客戶登入商務網上理財後,可授權匯豐查閱他們於其他銀行的賬戶資訊。先導計劃的參與銀行將採用應用程式介面(API)直接連接,中小企客戶申請融資時可無需向銀行提交紙本結單,過程更快捷方便。
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