香港金管局余伟文：数字基建将助力实体经济发展

Group 1 - The Hong Kong Monetary Authority (HKMA) is focused on enhancing the financial digital infrastructure to benefit small and medium-sized enterprises (SMEs) and promote economic development [1] - SMEs constitute 98% of all businesses in Hong Kong, with 40% engaged in import and export as well as wholesale and retail, making their access to bank financing crucial for trade development [1] - Improved data collection efficiency allows financial institutions in Hong Kong to conduct deeper analyses and create credit scoring models, enabling more accurate predictions of repayment capabilities [1] Group 2 - The HKMA is collaborating with the Hong Kong SAR Government's Digital Policy Office and the Commerce and Economic Development Bureau to integrate the "Commercial Data Interchange" (CDI) with the upcoming "Trade Single Window" service [2] - As of June 2025, 26 banks and 17 data providers are participating in the CDI, facilitating over 61,000 loan applications with an estimated total credit approval amount of HKD 50.1 billion [2] - The CDI aims to address the fragmented data issue in Hong Kong by providing a unified data platform, allowing easier access and application of data for financial institutions and businesses [2]