Open Trade Finance Platform for SMEs - Covid 19 and beyond

面向中小企业的开放贸易融资平台 - Covid 19 及以后

• 批准号: 69387
• 金额: $ 9.3万
• 依托单位: CORIOLIS TECHNOLOGIES LIMITED
• 依托单位国家: 英国
• 项目类别: Feasibility Studies
• 财政年份: 2020
• 资助国家: 英国
• 起止时间: 2020 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=69387
• 关键词: Open; Trade; Finance; Platform; SMEs

The Open Trade Finance Platform (OTFP) de-risks the provision of trade finance to SMEs first, by enabling low cost legal support and insurance against international invoices and contracts and second, by matching those exporting SMEs to trade finance providers. The SME trade finance gap is a particular problem in the Covid-19 environment because many exporting SMEs are falling outside core support measures such as CBILS that are available to other SME businesses, especially if they are in services or digital sectors. It costs a bank on average up to £60,000 to onboard a trade finance client. In the current environment where exports remain significantly below pre-pandemic levels SMEs are finding it increasingly difficult to access finance because trade credit insurance providers have become more risk averse. Banks have pulled out of the market for businesses with turnovers below £6.5m because the costs of onboarding are too high and the risks increasingly outside of the appetite of major non-government insurers. SME exporters represent around 9% of the UK's business base and will suffer unduly from both these trends at the current time. These are often smaller and younger businesses, thus they have insufficient track-record to warrant this risk. The OTFP is a means tackling this challenge to ensure these companies survive and thrive beyond the crisis.The OTFP is a web-based and mobile app that links SME export finance requirements to suitable providers of that finance, in banks or non-banks. It takes the financial and business development requirements of the SME and uses AI to match those requirements with the major providers of trade finance who already operate on blockchain or Platform as a Service (PaaS). In addition to this stand-alone capability, Coriolis is proud to be working with large platform as a service providers of back office software to banks to enable modular API adoption of the software.The OTFP is a timely and innovative development that addresses the specific needs of a group of excluded small businesses. It will be delivered in complete compliance with government guidelines on social distancing and within the framework of the lockdown. Its immediate benefit to the UK could be as much as £30bn in SME export contribution to GDP at a time when global trade is threatened. Its lasting impact will be in quicker and cheaper SME access to trade finance and bank screening of SME clients.

开放式贸易融资平台首先通过提供低成本的法律的支持和国际发票和合同保险，其次通过将出口中小企业与贸易融资提供商配对，降低了向中小企业提供贸易融资的风险。中小企业贸易融资缺口在新型冠状病毒肺炎疫情环境下尤为严重，因为许多出口型中小企业都无法享受其他中小企业业务可享受的CBILS等核心支持措施，尤其是服务业或数字行业。一家银行平均要花费6万英镑才能接待一位贸易融资客户。在目前出口仍大大低于疫情前水平的环境下，中小企业发现越来越难以获得融资，因为贸易信贷保险提供商变得更加规避风险。银行已经退出了营业额低于650万英镑的业务市场，因为入职成本太高，风险越来越超出主要非政府保险公司的胃口。中小企业出口商约占英国商业基础的9%，目前将受到这两种趋势的过度影响。这些公司通常规模较小，成立时间较短，因此没有足够的业绩记录来保证这种风险。OTFP是一个基于网络的移动的应用程序，将中小企业的出口融资需求与银行或非银行的合适融资提供商联系起来。它采用中小企业的财务和业务发展需求，并使用人工智能将这些需求与已经在区块链或平台即服务（PaaS）上运营的主要贸易融资提供商相匹配。除了这种独立的能力，Coriolis很自豪能够与大型平台合作，作为银行后台软件的服务提供商，实现软件的模块化API采用。OTFP是一个及时的创新开发，解决了一组被排除在外的小企业的特定需求。其将完全遵照政府有关社交距离的指引及在封锁的框架内交付。在全球贸易受到威胁之际，它对英国的直接好处可能是中小企业出口对GDP的贡献高达300亿英镑。它的持久影响将是使中小企业更快、更便宜地获得贸易融资，并使银行对中小企业客户进行筛选。