Core Insights - The cross-border financial pilot between Shenzhen and Hong Kong has achieved a significant breakthrough with the successful disbursement of a loan to Hong Kong residents based on a cross-border data verification platform [2][3] Group 1: Pilot Highlights - The pilot introduces a pioneering case for cross-border verification of Hong Kong residents' credit data, addressing the challenges faced by Hong Kong individuals due to the lack of credit history in mainland China, thereby lowering the financing threshold and enhancing the diversity and inclusiveness of financial services [3] - It implements a "personal self-carrying model" using blockchain technology, ensuring that personal rights such as awareness and consent are fully protected while achieving credible cross-border data verification [3] - The initiative aligns with the "Action Plan for Supporting High-Quality Financial Development in Qianhai (2025-2026)" issued earlier this year, providing replicable cross-border data solutions for financial institutions in both regions and promoting deeper economic integration in the Greater Bay Area [3] Group 2: Platform Functionality - The cross-border data verification platform, operated by the National (Shenzhen Qianhai) New Internet Exchange Center and Shenzhen Credit Service Co., ensures safe and compliant data flow for Hong Kong residents while effectively breaking down financial data barriers [4] - The platform does not involve the cross-border transmission and storage of original data files, instead using hash values to provide verification services, thus meeting regulatory requirements while ensuring data security and efficient flow [4] - The platform has previously facilitated nearly 100 million yuan in financing for small and micro enterprises in Hong Kong and aims to expand into areas such as cross-border trade settlement and wealth management [4] Group 3: Broader Developments - In addition to financial services, significant progress has been made in the healthcare sector, with the launch of the "Shenzhen-Hong Kong Cross-Border Secure and Convenient Channel" and successful data transmission tests between Hong Kong and Shenzhen hospitals [5] - The healthcare cross-border data space has enabled instant insurance claims for Hong Kong residents seeking medical services in mainland China, significantly reducing the claims process from months to immediate settlement [5]
跨境数据应用再进展 深港首创港人征信北上
2 1 Shi Ji Jing Ji Bao Dao·2025-09-30 07:12