深港全球金融科技中心令人期待

Core Viewpoint - The Hong Kong and Shenzhen governments have jointly developed an action plan to establish a global fintech center by 2027, focusing on collaboration in various dimensions to enhance their financial technology ecosystems and solidify their positions in the global financial landscape [1][2]. Group 1: Action Plan Details - The action plan outlines six key areas of focus: attracting fintech entities, supporting original technology research, collaborative development of major projects, accelerating the creation of unique application scenarios, optimizing the regulatory environment, and fostering a supportive industry ecosystem [1]. - By the end of 2027, the plan aims to implement over 20 cross-border data verification platforms in the fintech sector between Hong Kong and Shenzhen [1]. Group 2: Current Fintech Landscape - Shenzhen has rapidly developed its fintech sector, becoming a pilot city for digital RMB with over 29.19 million digital wallets opened and nearly 2 million merchants covered [2]. - Hong Kong, as an international financial center, hosts over 1,200 fintech companies and has a strong digital banking presence, with 3.4 million customers and deposits totaling HKD 77 billion [2]. Group 3: Innovation and Collaboration - The plan emphasizes attracting fintech innovation entities by establishing research, testing, and service centers, creating a complete service chain for fintech [2]. - It encourages cross-border payment service setups in Shenzhen by Hong Kong payment institutions and the establishment of fintech subsidiaries in Hong Kong by qualified financial institutions [2]. Group 4: Strategic Platforms - The Qianhai and He Tao cooperation platforms are designated as key areas for innovation, supporting the establishment of fintech laboratories and cross-border research institutions [3]. - These platforms will explore data cross-border flow management measures, leveraging their experience in incubating fintech companies [3]. Group 5: Financial Inclusion Goals - The ultimate goal of the fintech innovation is to provide high-quality financial services, particularly benefiting small and private enterprises [3]. - The plan supports digital empowerment across the entire financing process, enhancing loan approvals and risk management to meet the urgent financing needs of small businesses [3].