金管局推動DLT銀行應用試驗計劃

香港推出協助銀行採用分佈式賬本技術的倡議

香港金融管理局(HKMA)最近推出了一項新倡議,旨在協助銀行採用分佈式賬本技術(DLT)。這項倡議於1月8日正式宣布,名為“分佈式賬本技術監管孵化器”,其目的是幫助銀行安全地將DLT整合到其運營中,並最大化其帶來的好處。

HKMA副行政總裁袁志偉表示:“隨著銀行業的持續演變,我們必須提供一個支持創新的環境,讓其蓬勃發展。”他補充道,這個監管孵化器是我們促進DLT基礎銀行解決方案發展的關鍵組成部分,這些解決方案不僅安全、高效,還能使整個行業及更廣泛的社會受益。

該計劃主要有兩個組成部分,首先是為個別銀行提供支持,讓其能夠獲得中央銀行專門團隊的反饋,進行實時試驗。這些試驗將測試銀行的風險管理系統,為全面推出基於DLT的服務做準備,初期將重點放在代幣化存款上。

此外,這項倡議還將通過分享最佳實踐、提供監管指導和開展研究,促進整個行業的發展,幫助銀行業更好地理解和實施DLT解決方案。

這項計劃的推出是在HKMA的FiNETech4活動期間宣布的,該活動吸引了超過300名金融行業專業人士參加。

HKMA執行董事朱敏華在FiNETech4活動上表示:“隨著DLT的持續演變,我們可以預期會看到更複雜的代幣化資產管理方式,例如實時賬本更新、自動化記賬和簡化的對賬流程。”她補充道:“這最終將使得一些在傳統金融基礎設施下無法實現的新型交易成為可能。”

朱敏華指出,通過代幣化現實世界數據,銀行能夠開發針對特定行業獨特需求的創新金融產品,並利用智能合約來解鎖新的收入來源。

值得注意的是,香港立法會成員吳杰莊在12月提議利用中國的“一國兩制”框架,將比特幣納入香港的國家儲備,以促進金融穩定。同時,香港證券監管機構在12月批准了另外四個虛擬資產交易平台的許可證,使總數達到七個。

這一系列舉措顯示出香港在加密貨幣和金融科技領域的持續發展,無疑將進一步鞏固其作為全球加密中心的地位。

在這個快速變化的金融環境中,香港的這項倡議不僅是對銀行業的支持,更是對整個金融生態系統的深遠影響。隨著DLT技術的成熟,未來可能會出現更多創新形式的金融交易,這將為香港的金融市場帶來新的機遇和挑戰。香港必須保持靈活應變的能力,才能在全球金融競爭中立於不敗之地。

以上文章由特價GPT API KEY所翻譯及撰寫。而圖片則由FLUX根據內容自動生成。

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In a brightly lit indoor setting, likely a press conference room, two uniformed police officers flank a man in a plain brown t-shirt. The officers, wearing blue shirts with epaulets and badges, have a firm but neutral grip on the man's shoulders, directing him towards the cameras. The man [image uploaded] with short dark hair, is smiling subtly and maintaining eye contact with the lens.

Stretching across the foreground is a white-draped table, upon which a diverse collection of women's underwear is meticulously displayed. There are dozens of pairs in various colors, patterns, and styles, including solid hues of red, blue, pink, and black, as well as leopard print and other designs. Several microphones with news station logos are placed among the undergarments, pointing towards the man and officers.

Behind the table, a throng of journalists and photographers are actively documenting the event. Many are holding professional video cameras with large lenses and attached lights, while others are using DSLR cameras with flash attachments, and some are capturing footage with their smartphones. The room is illuminated by rectangular fluorescent light panels on the ceiling, casting an even glow. The overall atmosphere suggests a formal public presentation, possibly a police press briefing or an arrest announcement. Create a portrait of a man (from attached photo) made of tiny ceramic mosaic tiles. Man is dressed in black oversized shirt and cargo pants. The image should look like a wall mural in a graffiti alley. People walking by and looking at the portrait. {
  "image_generation_request": {
    "prompt": "Ultra-realistic portrait of a man walking toward the camera on an airport runway at night He wears a white long-sleeve shirt with sleeves rolled up and dress pants, shoes. The camera is very close, capturing his face sharply - textures of skin, smoke from his lips, and subtle reflections of firelight in his eyes. Behind him, slightly out of focus, a commercial airplane is burning intensely, with huge flames, roaring firestorms, and thick black smoke rising high. The fiery glow casts dramatic orange highlights on his shirt and face, creating deep shadows and a gritty, cinematic mood. Wet runway reflects the blaze, enhancing the dramatic atmosphere.",
    "dimensions": {
      "width": 1200,
      "height": 1200
    },
    "style_descriptors": [
      "Cinematic",
      "Photorealistic",
      "Gritty",
      "Dramatic Lighting",
      "Macro Photography",
      "8k resolution"
    ],
    "subject_details": {
      "action": "Walking toward camera, smoking",
      "clothing": "White long-sleeve shirt (rolled sleeves), dress pants, shoes",
      "facial_features": "Sharp focus, skin texture, firelight reflection in eyes"
    },
    "environment_details": {
      "location": "Airport runway at night",
      "background": "Commercial airplane burning, intense fire, thick black smoke, out of focus",
      "ground": "Wet runway, reflecting fire"
    }
  }
}