香港金融管理局：跨境征信互通业务试点将常规化

Core Viewpoint - The Hong Kong Monetary Authority (HKMA) and the People's Bank of China have decided to regularize the cross-border credit reporting pilot program to facilitate loan activities between mainland China and Hong Kong starting in 2024 [1][2]. Group 1: Cross-Border Credit Reporting - The cross-border credit reporting pilot program will be implemented in Hong Kong and Shenzhen, allowing collaboration between credit reporting agencies in both regions [2]. - Since the pilot program's launch, it has assisted over 10 enterprises and 10 individual clients in securing loan approvals amounting to HKD 260 million [2]. - The program has already seen multiple cases of "southbound" and "northbound" pilot projects, including corporate loans, personal credit, and mortgage applications [2]. Group 2: Benefits for Financial Institutions - The program enables banks in Hong Kong to better understand the credit status and background of clients, thereby enhancing credit risk management and expediting loan approval processes [2]. - China Bank (Hong Kong) has successfully utilized verified mainland personal credit reports to assist in the approval of mortgages, personal loans, and credit cards [2]. - The initiative aims to improve the service experience for cross-border clients and new talents arriving in Hong Kong [2].