KnowRisk SC -Fusing data from Industry, Accounting, Insurance and Law to better identify, monitor and manage risk across entire supply chains

针对大型组织的治理风险和合规（GRC）准则规定，所有风险都需要得到妥善管理、充分披露和拨备;审计师必须核实资产负债表上未减轻风险的准备金是否得到了适当的说明。公司内部的风险管理人员必须确保风险得到适当的识别和减轻-符合公司的容忍度。保险公司需要充分了解其保单承保的风险。律师必须了解正在转移的风险，并了解影响索赔的保单。不幸的是，这依赖于数据，并且在全球化的快速发展中-移动供应链、会计师、保险公司和法律的公司无法访问必要的数据来了解客户的风险敞口、责任、义务，因此无法采取适当的缓解措施来管理所涉及的风险。焦点我们打算开发一种开源区块链分布式账本技术，分层标准、数据共享和访问控制政策，用于风险识别，法律的协议、会计、持续保证和风险管理。每个链块将包含关键数据，这些数据有助于形成关于来源、安全和智能合约等领域的风险状况，这些领域有助于促进货物和资金在供应链中的流动（实现支付、货物收据、自动开票、安全融资/保理）。这个分布式平台将允许在访问控制策略下访问数据，而无需集中数据。主要合作伙伴是Sweetbridge，将提供身份验证、法律的协议、会计和风险管理的模型和数据共享以及访问控制政策。Agile Datum将提供企业责任风险评估和索赔。R3将提供区块链交易层。Digital Catapult将对数据可能产生的所有非技术道德、偏见和隐私问题提供联盟治理和独立监督。引擎B将定义并提供会计、法律的和保险数据的AIL数据和数据标准。Cystellar将提供农作物、可持续性、化学品使用和物联网设备供应链验证的地理空间跟踪和分析。影响该项目通过为整个价值链的所有各方实时识别、跟踪和管理动态风险，推动制造业和AIL行业的竞争力。这反过来又将有助于减少保险成本约20%，风险敞口可减少50%至80%。随着风险的降低，运营资本的成本也会降低，特别是对于价值链中的小型参与者。

ChallengeGovernance Risk and Compliance (GRC) guidelines for large organisations stipulate that all risks need to be properly managed, fully- disclosed and provisioned for;Auditors must verify that reserves for unmitigated risks are properly accounted for on the balance sheet.Risk managers within corporations must ensure that risks are properly identified and mitigated in-line with corporate tolerances.Insurers need to fully understand the risks their policies are underwriting.Lawyers must know the risks being transferred and understand the policies that affect claims.Unfortunately this relies on data and in globalised fast-moving supply chains, accountants, insurers and legal firms can't get access to the data necessary to understand a client's exposure, liabilities, obligations and therefore can't put in place the appropriate mitigations to manage the risks involved.FocusWe intend to develop an open source Blockchain-Distributed Ledger Technology, layered with standards, data sharing and access control policies for risk identification, legal agreements, accounting, continuous assurance and risk management. Each chained block will comprise critical data that helps form a risk profile on areas such as provenance, safety and smart contracts that facilitate the flow of goods and finances (enabling payments, goods receipting, automatic invoicing, secure financing/ factoring) through the supply chain.This distributed platform will allow data to be accessed under access control policies without needing to centralize the data. The lead partner is Sweetbridge who will be providing the models and data sharing and access control policies of identity verification, legal agreements, accounting and risk management. Agile Datum will provide corporate liability risk assessment and claims. R3 will provide the blockchain transaction layer. Digital Catapult which will provide consortium governance and independent oversight on all the non-technical ethics, bias and privacy issues that may arise from the data. Engine B will define and provide the AIL data and data standards for accounting, legal and insurance data. Cystellar will provide geospatial tracking and analysis of crops, sustainability, chemical use, and supply chain verification of IoT devices.ImpactThe project drives both competitiveness in the manufacturing industry and in the AIL industry by enabling the real-time identification, tracking and management of dynamic risks for all parties across the entire value chain. This in turn will help reduce the cost of insurance by an estimated 20% and risk exposure can be reduced by 50% to 80%. With reduced risk comes lower cost of working capital particularly to smaller players in the value chain.