加大体制机制创新 畅通科技和产业循环 大湾区国际金融枢纽建设向纵深推进

Core Viewpoint - The development of the Guangdong-Hong Kong-Macao Greater Bay Area (GBA) aims to establish it as an "international financial hub," supported by various financial policies and initiatives over the past six years, despite existing legal and market system differences among the regions [1][2]. Group 1: Financial Cooperation and Innovation - Financial cooperation in the GBA has deepened, with significant improvements in payment methods and cross-border financial services, such as the "Cross-Border Wealth Management Connect 2.0," which added 43,000 personal investors in just three months [2][4]. - The GBA's unique geographical and resource advantages position it as a competitive financial industry, but the "one country, two systems" framework presents challenges for financial collaboration [2][3]. Group 2: Institutional and Mechanism Innovation - Current financial reforms in the GBA are primarily focused on single-point innovations rather than integrated approaches, indicating a need for unified planning and top-level legislation to enhance efficiency in financial integration [3]. - The People's Bank of China is committed to supporting the GBA's development by implementing financial support policies and ensuring risk management in financial reforms [4]. Group 3: RMB Internationalization - As of March 2025, cross-border RMB settlement in the GBA reached 38.5 trillion yuan, with RMB accounting for over 70% of total settlements, highlighting the region's potential as a frontier for RMB internationalization [5]. - Experts emphasize the need to establish a RMB asset trading center and improve cross-border financing mechanisms to facilitate the internationalization of the currency [6]. Group 4: Technological Empowerment - The integration of AI in financial services, such as the "Cross-Border Wealth Management Connect," can significantly enhance customer conversion rates and reduce operational costs, indicating a shift in the traditional financial hub model [7]. - The future of international financial hubs will rely on the deep integration of data, algorithms, and scenarios, necessitating secure data flow and value extraction across the GBA [7]. Group 5: Service to the Real Economy - The GBA's complete industrial chain and resource advantages present substantial growth opportunities in areas like technology finance and supply chain finance, aligning with the national emphasis on financial services supporting the real economy [8].