Dun & Bradstreet Hong Kong collaborates with the banking sector to support SME lending market through Commercial Data Interchange
Hong Kong SAR, [Oct 25, 2022]
– Dun & Bradstreet Hong Kong, a leading global provider of business decisioning data and analytics, welcomes the Hong Kong Monetary
Authority’s (HKMA) announcement of the launch of the Commercial Data Interchange (“CDI”) which is built for Hong Kong’s
next-generation financial data infrastructure.
As the sole operator of the Commercial Credit Reference Agency (“CCRA”) in Hong Kong since 2004, appointed by the Hong Kong
Association of Banks under the industry initiative supported by the HKMA, Dun & Bradstreet Hong Kong will also participate as one of
the key data providers of CDI. In addition to providing CCRA-originated credit reference data, the new platform also has the
potential to deliver data and data analytics from alternative data sources. By linking the CCRA database with the CDI, it enables
banks and other CCRA members to quickly access and factor additional data-points into their decision-making processes, which in turn
helps reduce risk and boost efficiency in both products and outcomes.
Mr. Andrew Wu, Managing Director, Dun & Bradstreet China - Mainland and Hong Kong SAR commented:
“Dun & Bradstreet Hong Kong is fully committed to its ongoing collaboration with the CDI to support further acceleration and
upscaling of credit risk assessment processes, which will be benefit financers in Hong Kong’s SME lending market.”
Mr. Howard Lee, Deputy Chief Executive of the Hong Kong Monetary Authority, said,
“This year, along with the production launch of the CDI, we are delighted to see the CDI ecosystem continues to flourish with the
participation of new data providers. This further enriches the data spectrum on CDI, encourages more collaborations between various
stakeholders and the banking sector to develop innovative applications and offer better and more efficient banking services to their
customers, co-develops a data-centric digital economy, and promotes financial inclusion.”
Dun and Bradstreet and HKMA’s Fintech Facilitation Office participated in Hong Kong FinTech Week 2022
The Commercial Data Interchange and Commercial Credit Reference Agency
A core element of the HKMA’s “Fintech 2025” strategy, the new consent-based CDI platform, will measurably enhance banking and
financial service efficiency via a revolutionary new financial data infrastructure platform. Instead of multiple one-to-one
connections between banks and sources of commercial data each individual bank and data provider will now link to the CDI via a
single connection. Data sharing will thus become more secure, efficient, and scalable. With unprecedented levels of connectivity and
data accessibility facilitated by the CDI, it significantly enhances the efficiencies of the existing Hong Kong government-regulated
CCRA database.
The speedy and safe sharing of reliable commercial data is critical in assessing customers’ credit risk. By linking the CCRA to the
CDI, it will streamline the accessing of credit data via Application Programming Interfaces (“APIs”) and will make data sharing more
secure, efficient, and scalable than ever before. The CDI will also help reduce human errors. By fueling up-to-date, relevant, and
authenticated business data, it will further accelerate and upgrade credit risk assessment processes, delivering huge benefits for
financers in the SME lending market.
About Dun & Bradstreet
Dun & Bradstreet, a leading global provider of business decisioning data and analytics, enables companies around the world to
improve their business performance. Dun & Bradstreet’s Data Cloud fuels solutions and delivers insights that empower customers to
accelerate revenue, lower cost, mitigate risk and transform their businesses. Since 1841, companies of every size have relied on Dun
& Bradstreet to help them manage risk and reveal opportunity.
Media Contact:
May Lo
+852 2516 1294
los@dnb.com
鄧白氏商業資料（香港）與銀行業界合作以商業數據通（CDI）支持中小企借貸市場
香港特別行政區【2022年11月16日】 —
香港金融管理局（”金管局”）宣布推出新一代的金融數據基建「商業數據通」。全球領先的商業決策數據及分析公司鄧白氏商業資料香港（“鄧白氏香港”
）對此表示歡迎。
鄧白氏香港於2004年獲香港銀行公會的委任，成為「香港商業信貸資料庫」（“CCRA”
）的唯一營運商，以配合金管局的行業政策。同時，鄧白氏香港也參與「商業數據通」成為其中主要的數據提供方之一。除了提供源自「香港商業信貸資料庫」的信貸數據外，這個新平台還有潛力提供其他數據來源的數據及分析服務。這個新平台透過將「香港商業信貸資料庫」與「商業數據通」連接，銀行以及其他商業信貸資料庫成員可在決策過程中透過這個新平台迅速獲取及分析額外的數據點，更有助降低風險而且還可提升效益。
鄧白氏中國區總裁吳廣宇先生表示：「鄧白氏香港將全力與『商業數據通』攜手合作，推動及提升香港的信貸風險評估程序，讓香港中小企業的借貸市場受惠。」
香港金融管理局副總裁李達志表示：「隨着『商業數據通』今年正式投入服務，我們樂見更多數據提供方的參與，令『商業數據通』的數據生態圈繼續蓬勃發展。這能進一步豐富『商業數據通』的數據源，鼓勵各持份者與銀行業界合作發展更多創新應用，並為其客戶提供更好和更便捷的銀行服務，共同創建以數據為本的數碼經濟，並推動普及金融。」
金管局金融科技促進辦公室與鄧白氏香港參加香港金融科技周2022（Hong Kong FinTech Week 2022）
關於「商業數據通」和 「香港商業信貸資料庫」
作為「金融科技2025」策略的核心部分，基於意願爲本的「商業數據通」將透過革新的金融數據基建平台提升銀行和金融服務業的效率。「商業數據通」將為每家銀行及數據提供方提供獨立連接，減省銀行與商業數據來源逐家進行點對點連接的工作，使數據共享變得更安全有效而且更具規模。「商業數據通」的接駁功能和數據量前所未有，大幅改善現時由香港政府監管的商業信貸資料庫的數據。
在評估顧客的信用風險時迅速而安全地分享可靠的商業數據至關重要。這個新平台將「香港商業信貸資料庫」與「商業數據通」連接，透過應用程式界面簡化查閱信用數據的程序，也使數據共享變得更安全有效而且更具規模。「商業數據通」還可避免人為錯誤。通過注入最新、相關且真實的商業數據，這個平台將會進一步推動及提升信用風險評估程序，為中小企業的借貸市場帶來莫大的好處。
關於鄧白氏
鄧白氏是全球領先的商業決策數據和分析公司，協助世界各地的公司提升業務績效。鄧白氏全球數據雲提供的解决方案和洞察分析可助力客戶提升盈收、降低成本、控制風險以及進行業務轉型。自1841年以來，鄧白氏深受各大規模公司的信賴，為他們管理風險和發掘商機。如欲進一步了解鄧白氏，請瀏覽www.dnb.com.hk。
傳媒查詢
May Lo
+852 2516 1294
los@dnb.com