3月15日，北京高新技術企業天壕環境股份有限公司在“基於區塊鏈的企業電子身份認証信息系統（以下簡稱eKYC系統）”中申請首筆開戶業務，並通過遠程核驗方式成功開立中關村銀行賬戶，企業填報數據項減少80%,開戶時間節約40%，成為首個eKYC應用的實踐案例。
On March 15, Beijing High Technology Enterprises Trench Environments, Inc., applied for the first opening of an account in the “E-Identity Information System for Enterprise Electronic Identification based on the Sector Chain” (hereinafter referred to as the e-KYC System) and successfully opened a Chinese-City Bank account through remote verification, reducing the number of company filings by 80 per cent and opening hours by about 40 per cent, making it the first case in which e-KYC should be used.
記者從北京市地方金融監督管理局了解到，為落實《關於金融信貸營商環境3.0的工作方案》部署，進一步優化首都金融信貸營商環境，加大金融信貸對民營小微企業的支持力度，降低新冠肺炎疫情的影響，在市金融監管局、人行營管部、北京銀保監局指導下，由北京金融科技研究院、國家互聯網應急中心作為技術牽頭單位，中關村銀行、華夏銀行、百信銀行等共同參與開發基於區塊鏈的eKYC系統，於3月15日正式上線。
The reporter learned from the Beijing Local Financial Supervisory Authority that, in order to implement the programme of work on the financial credit business environment of 3.0, further efforts have been made to improve the financial credit business environment in the capital city, increase financial credit support for small-scale private enterprises, reduce the impact of the new crown pneumonia epidemic, under the direction of the Municipal Financial Supervisory Authority, the People's Department, the Beijing Silver and Silver Superintendency, and with the participation of the Beijing Institute of Financial Science and Technology, the National Interconnected Network Emergency Response Centre and others, the Central Chinese Village Bank, the Chinese Bank, the Chinese Bank, the Chinese Bank of China, the Bank of China and the Banco Bank, and others, in the development of the sector-based eKYC system, officially launched on 15 March.
eKYC系統基於分布式賬本、數據共享、視頻認証、時間戳等技術，旨在建立由可信節點組成的聯盟鏈，推動實現多元數據共享基礎上民營、小微、科技企業加快在線申請信貸業務，統一賬戶信息，簡化開戶流程，減少企業開戶材料重復填報、紙質報送。
The eKYC system, based on technology such as distributed accounts, data sharing, video recognition, and time stamping, is designed to create a network of credible nodes to facilitate the implementation of multiple data sharing on the basis of private, micro, and technology enterprises to speed up online applications for credit, consolidate account information, simplify the opening process, and reduce the refilling of business opening materials and the submission of paper.
上線之日，北京天壕環境股份有限公司通過eKYC系統在中關村銀行率先申請開戶，銀行結合eKYC系統特點和企業實際需求，在現有開戶規則和流程基礎上，整合相關可信數據，精簡開戶數據錄入項，實現了企業開戶信息自動填報和多維度信息驗証，縮短了客戶身份核實和信息核驗時間，提高了客戶盡職調查和開戶效率，增強了客戶開戶的便利性，在探索提高小微企業信貸獲得率、降低不良貸款率方面邁出實質一步。
On the day of entry, Beijing Trench Environments, Inc., through the eKYC system, took the lead in opening accounts at the Central Village Bank, bringing together eKYC features and business needs, consolidating relevant and credible data on existing opening rules and process bases, streamlining account opening data entry, bringing about self-filling and multi-dimensional information tests for business start-ups, shortening client identification and information verification time, improving client efficiency in conducting client investigations and openings, enhancing client opening facilities, and taking a step forward in exploring ways to increase the rate of credit acquisition and reduce the rate of bad loans to microbusinesses.
下一步，北京市金融監管局將會同人行營管部、北京銀保監局進一步推動eKYC系統在保障信息安全的前提下，形成多方協同、信息互任、統一認証的工作機制，推動實現金融信貸業務線上一站式辦理，解決小微企業融資難、融資貴、融資慢等問題。（記者 鮑聰穎）
Next, the Beijing City Financial Supervisory Authority, together with the People’s Department and the Beijing Monetary and Financial Supervisory Authority, will further promote the eKYC system, in the context of information security, to create a system of multi-stakeholder, information-sharing and consensus-based work, to promote the implementation of the financial credit line at the first stage, and to address the problems of micro-enterprise finance, capital financing, and the slow pace of financing.
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