汇丰银行推出Gold Token，为香港散户投资者打开数字资产大门

汇丰银行正在响应香港政府对数字资产可访问性的号召，推出代币化黄金产品。汇丰黄​​金代币可在银行的移动和在线平台上使用，是银行提供的首款零售代币化黄金产品，使最终投资者能够通过中介机构进行交易和分销。

HSBC Unlocks Tokenized Gold for Retail Investors, Embracing Digital Assets in Hong Kong

汇丰银行为散户投资者解锁代币化黄金，拥抱香港数字资产

Introduction

介绍

Responding to the Hong Kong government's call for broader access to digital assets, HSBC has unveiled the HSBC Gold Token, a novel product that provides retail investors with a convenient and affordable way to invest in physical gold through tokenization.

为响应香港政府扩大数字资产准入的呼吁，汇丰银行推出了 HSBC Gold Token，这是一种新颖的产品，为散户投资者提供了一种通过代币化投资实物黄金的便捷且实惠的方式。

Tokenized Gold: Bridging the Gap

代币化黄金：弥合差距

The HSBC Gold Token represents the bank's latest step in bridging the gap between traditional financial assets and the burgeoning digital asset landscape. It involves the tokenization of physical gold, where ownership rights are securely recorded on a blockchain network. This innovative approach offers several advantages over traditional gold investments, including increased accessibility, transparency, and efficiency.

汇丰黄​​金代币代表了该银行在弥合传统金融资产与新兴数字资产领域之间差距的最新举措。它涉及实物黄金的代币化，其中所有权被安全地记录在区块链网络上。与传统黄金投资相比，这种创新方法具有多种优势，包括提高可及性、透明度和效率。

Meeting Client Demand

满足客户需求

According to Maggie Ng, HSBC's Head of Wealth and Personal Banking, the HSBC Gold Token aligns perfectly with its clients' growing demand for digital assets and their familiarity with gold as an investment. The tokenized gold market has witnessed significant growth, with its global value exceeding US$1 billion in 2022.

汇丰银行财富及个人银行业务主管 Maggie Ng 表示，汇丰黄金代币完全符合客户对数字资产不断增长的需求以及他们对黄金投资的熟悉程度。代币化黄金市场出现了显着增长，2022 年全球价值将超过 10 亿美元。

Leveraging HSBC Orion Platform

利用 HSBC Orion 平台

The HSBC Gold Token is powered by the bank's proprietary digital assets platform, HSBC Orion, and distributed ledger technology. This platform has a track record of facilitating successful tokenization projects, including the issuance of digital green bonds in Hong Kong. The Securities and Futures Commission (SFC) has granted approval for the issuance of the HSBC Gold Token.

汇丰黄​​金代币由该银行专有的数字资产平台 HSBC Orion 和分布式账本技术提供支持。该平台拥有促进成功代币化项目的记录，包括在香港发行数字绿色债券。证券及期货事务监察委员会（SFC）已批准发行 HSBC Gold Token。

Regulatory Framework

监管框架

The tokenization of assets is a relatively new area, and the Hong Kong government has been proactive in establishing a clear regulatory framework. Last year, the SFC issued a pair of circulars outlining the requirements for issuing tokenized products and assets that can be offered to the public.

资产代币化是一个相对较新的领域，香港政府一直积极主动建立明确的监管框架。去年，证监会发布了两份通知，概述了发行可向公众发行的代币化产品和资产的要求。

Efficiency and Transparency

效率和透明度

HSBC anticipates that tokenized products like the HSBC Gold Token will drive innovation and efficiency in the financial sector. By digitizing asset ownership, tokenization streamlines operational processes, promotes transparency, and opens up new possibilities for global access and trading.

汇丰银行预计，汇丰黄金代币等代币化产品将推动金融领域的创新和效率。通过数字化资产所有权，代币化简化了运营流程，提高了透明度，并为全球访问和交易开辟了新的可能性。

Blockchain-Powered Platform

区块链驱动的平台

The HSBC Orion platform, underpinned by blockchain technology, plays a pivotal role in facilitating the tokenization of assets. It enables the recording of ownership rights in a secure and immutable manner, ensuring the integrity and transparency of transactions.

以区块链技术为基础的汇丰Orion平台在促进资产代币化方面发挥着关键作用。它能够以安全且不可变的方式记录所有权，确保交易的完整性和透明度。

Shorter Issuance Settlement Period

更短的发行结算周期

Notably, HSBC Orion has demonstrated its capabilities in reducing the issuance settlement period for bonds from five days to 24 hours. This efficiency advantage translates into faster and more convenient access to financial products for investors.

值得注意的是，汇丰Orion展现了将债券发行结算周期从5天缩短至24小时的能力。这种效率优势意味着投资者可以更快、更方便地获得金融产品。

Broadening Investor Base

扩大投资者基础

Darryl Chan, Deputy Executive of the Hong Kong Monetary Authority (HKMA), highlighted the role of blockchain-powered platforms in expanding the investor base for bonds. By lowering barriers to entry, tokenization makes investments more accessible, enhances liquidity, and ultimately benefits the financial ecosystem.

香港金融管理局（HKMA）副总裁陈达里（Darryl Chan）强调了区块链驱动的平台在扩大债券投资者基础方面的作用。通过降低进入壁垒，代币化使投资变得更容易，增强流动性，并最终使金融生态系统受益。

HSBC's Commitment to Innovation

汇丰银行对创新的承诺

HSBC's Chief Digital Executive, Bojan Obradović, emphasized the bank's unwavering commitment to investing in distributed ledger technology and exploring the transformative potential of tokenization. He highlighted the bank's plans to identify and develop additional digital products, including funds, bonds, and tokenized real-world assets.

汇丰银行首席数字执行官 Bojan Obradović 强调该银行坚定不移地致力于投资分布式账本技术并探索代币化的变革潜力。他强调了该银行计划识别和开发更多数字产品，包括基金、债券和代币化的现实世界资产。

Engagement with HKMA

与金管局的合作

HSBC remains actively engaged with the HKMA in various initiatives, including the development of a central bank digital currency (CBDC) for wholesale and retail use. The bank is also involved in research and innovation related to tokenized deposits and stablecoins.

汇丰银行仍积极与金管局合作开展各种举措，包括开发供批发和零售使用的中央银行数字货币（CBDC）。该银行还参与与代币化存款和稳定币相关的研究和创新。

Hong Kong as a Digital Asset Hub

香港作为数字资产中心

Obradović expressed confidence that Hong Kong is well-positioned to become a leading global digital asset hub. He emphasized the need to create a supportive regulatory environment and foster collaboration among market participants to drive adoption and innovation.

奥布拉多维奇表示相信香港有能力成为全球领先的数字资产中心。他强调需要创造一个支持性的监管环境并促进市场参与者之间的合作，以推动采用和创新。

Conclusion

结论

HSBC's launch of the HSBC Gold Token marks a significant milestone in the digital asset landscape. By providing retail investors with an easy and affordable way to access tokenized gold, the bank is empowering its clients to participate in the growing digital asset ecosystem. The convergence of traditional finance and digital innovation, facilitated by blockchain technology, is reshaping the financial industry, and HSBC is at the forefront of this transformation.

汇丰银行推出 HSBC Gold 代币标志着数字资产领域的一个重要里程碑。通过为散户投资者提供一种简单且经济实惠的方式来获取代币化黄金，该银行正在帮助其客户参与不断发展的数字资产生态系统。在区块链技术的推动下，传统金融与数字创新的融合正在重塑金融业，而汇丰银行则处于这一转型的最前沿。