1、全方面提升企業跨境支付體驗Eric Yang 楊斐然，SWIFT中國區市場與產品總監1/20SWIFTgpi2/20企業經典跨境支付挑戰Tracking“Im not able to tell when the money hits the beneficiarys bank account”Brooke TiltonVice President, Treasury Operations, ViacomTransparency“Many times we dont have visibility on the fees lifted along the way”Peter Claus-Land

2、iDirector banking initiatives, General ElectricSpeed“Critical business requires faster payment execution”Martin SchlageterHead of Treasury Operations, RocheMichel VerholenDirector, Global Treasury Center, Zoetis Remittance information“We miss information regarding the invoice and the payer for timel

3、y reconciliation”3/20問題何在? frictionpaymentfeescomplianceliquidityFXdocumentsreconciliationRegional banks4/20SWIFT gpi幫助企業實現安全、快速、透明并可實時查詢跨境支付1更加快速跨境支付，當日到帳*端到端支付狀態跟蹤23銀行扣費透明4完整、無更改匯兌信息企業受益人gpiIntermediary bank受益人銀行付款銀行*取決于收款行所在時區及當地外管政策SWIFTgpiRulebook$Invoicea1700db1-90b2-4948-83d8-6309c5c34a3dInte

4、rmediary bank5/20銀行AAAAJPJT*銀行BBBBDEFF付款方MT 103MT 103收款方銀行CCCCCNBJGpi支付業務關鍵: 引入端到端唯一業務識別號碼MT 103 報文中引入一個端到端唯一業務識別號碼，這一號碼將貫通該支付業務一直，直至款項抵達收款行6/20SWIFT管理和維護云支付數據庫銀行經過MT199或API進行數據上傳數據使用/展示方式：GUI, MT199推送或API查詢SWIFTgpi Tracker使實時查詢跨境支付成為可能功效：實現對gpi支付業務狀態端到端跟蹤作用：可供gpi參加銀行實時查詢一筆支付處理狀態，銀行間扣費明細以及最終入賬狀態時間表：

5、GUI: 已上線MT 199 / API: 5月上線實時顯示支付狀態支付路徑支付鏈上銀行處理明細此支付業務總耗時和扣費端到端唯一業務識別號碼7/208/209/2010/20SWIFTgpi 對企業價值Reduced settlement timeLeverage investment opportunitiesHigher visibility for capital and credit managementReduced FX risk全球現金管理Enhanced predictability and traceability Greater planning and decision

6、makingImproved reconciliation and forecast reporting 預算 & 財務計劃Speed and visibility on critical paymentsCertainty for buyers and sellersTransparency on bank feesReduced exception handling & investigations應收 & 應付業務管理11/20SWIFT gpi 項目路線圖SWIFT gpi 客戶轉賬業務快速透明 狀態可追蹤完整支付信息1 期重塑全球跨境支付新標準2 期更靈活增值跨境支付服務3 期探索新

7、技術在跨境支付中應用2月已投產上線12/20SWIFTgpi 二期: 更靈活增值跨境支付服務 豐富支付信息SWIFTgpi匯兌信息, 協議，發票，反洗錢掃描所需文檔等實時止付實時中止已經發生并在途支付業務 (如識別到重復支付，手工錯誤，欺詐支付等)SWIFTgpiSTOP國際支付助手在跨境支付源頭幫助進行STP檢驗和校驗以提升業務直通化率SWIFTgpiAccount structure?BIC ?Passport required ?Local clearing code ?13/20SWIFTgpi 三期: 已開啟對DLT用于往來賬戶實時對賬概念驗證在多邊應用場景驗證DLT技術可用性探討D

8、LT是否能幫助實現實時賬戶對賬對將DLT應用于生產環境并與銀行后臺集成時對銀行產生影響和收益進行數量化評定探討怎樣將這一處理方案在gpi框架下投入使用目標上六個月，SWIFT與6家全球主要交易銀行合作開發新應用并測試22家銀行將在后續階段加入該計劃，進行深入驗證和測試PoC結果將在10月份多倫多Sibos大會中公布計劃9月13 - 14日，新加坡，gpi行業挑戰賽決賽勉勵FinTech企業利用gpi平臺為銀行和企業提供附加創新服務5家受邀金融科技企業 + 30家銀行最終選出兩名FinTech企業每家將取得高達100,000歐元獎金gpi 行業挑戰賽 + API sandbox14/20Bank

9、s110+ABN AMRO BankABSA BankAgricultural Bank of ChinaAkbankAlfa-BankANZBBVABanque Centrale PopulaireBank of America Merrill LynchBank of ChinaBank of CommunicationsBank of New York MellonBank of Nova ScotiaBank of Tokyo-MitsubishiBarclaysBayerische LandesbankBidvest BankBNP ParibasChina Citic BankCh

10、ina Construction Bank China Minsheng Banking CorporationCitibankCommerzbankCommonwealth Bank of AustraliaCrdit Mutuel-CIC BanquesDanske BankDBS BankDeutsche BankDenizbankDNB BankEburyE.SUN Commercial BankErste Group BankFirstRand BankGuangfa BankLandesbanken-Hessen-ThueringenHSBCICBCIndustrial BankI

11、NG BankIntesa SanpaoloCountries220+SWIFT cross-border payments75%INTL FCStoneJPMorgan Chase BankKBC BankKEB Hana BankLek Securities CorporationLloyds BankMashreq BankMizuho BankNational Australia BankNational Commercial BankNatixisNedbankNordea Bank Oversea Chinse Banking CorporationPing An BankPira

12、eus BankPostal Savings Bank of ChinaPKO Bank PolskiRabobankRaiffeisen Bank InternationalRoyal Bank of CanadaSantanderSberbankShanghai Pudong Development BankSiam Commercial BankSocit GnraleStandard Bank of South AfricaStandard Chartered BankSumitomo Mitsui Banking CorporationTadhamon International I

13、slamic bankTEB The Commercial Bank of KuwaitToronto-Dominion BankTurkiye Cumhuriyeti Ziraat BankasiUniCreditWells FargoWestpac Banking CorporationYapi Ve Kredi BankasiZhejiang Rural Credit Cooperative UnionBank of JiangsuBank of YinzhouBank of NingboGpi項目參加銀行100多家銀行已經加入gpi項目，這些銀行業務遍布全球224個國家和地域，其所處理

14、跨境支付占全球SWIFT跨境支付報文75%以上15/20中資銀行主動擁抱SWIFTgpiSWIFTgpi16/20全球企業對gpi認知度和呼聲與日俱增Signed by Members of SWIFT Corporate Group Switzerland：- ABB Capital BV, Zrich- Nestle SA, Vevey- SBB AG, Bern- Swiss Re, Zurich- Roche Finanz AG, Basel- Wurth Finance Int BV, RorschachExample:17/20SWIFT正在探討將gpi服務延伸至企業用戶BANK 1BANK 2BANK 3MT103 + UETRMT103 + UETROrigi