21独家｜跨境支付通在港扩至13家 银行机构陆续测试接入

Core Insights - The Cross-Border Payment System has been operational since June 22, with smooth overall operations and stable transaction volumes primarily focused on small personal payments [1] - The system connects the Mainland's Interbank Payment System (IBPS) with Hong Kong's Faster Payment System (FPS), facilitating instant cross-border payment services for residents and institutions [1] - The number of participating banks has expanded significantly, from 6 Hong Kong banks and 6 Mainland banks to 17 Hong Kong banks and 6 Mainland banks, covering major foreign and domestic banks [1] Group 1 - The latest update from the Hong Kong Monetary Authority (HKMA) lists 13 participating Hong Kong institutions, including 6 initial banks and 7 additional banks, although some banks like ZA Bank, Dah Sing Bank, and MOX Bank were not included in the latest official list [2] - The HKMA indicated that more institutions are expected to join as they complete system development and testing, with over 10 institutions currently undergoing testing [2][3] - Digital banks in Hong Kong, such as WeLab Bank, have expressed interest in participating in the Cross-Border Payment System, highlighting its potential to enhance financial connectivity between the two regions [3] Group 2 - The Cross-Border Payment System initially operates on a pilot basis for personal payments related to essential services like tuition, medical fees, and utilities, with plans to expand to more institutions and applications as experience is gained [4] - Some participating banks are optimizing features for cross-border transactions, such as enabling Hong Kong residents to link their Mainland accounts for mobile number cross-border payments [3][4]