香港金融含“科”量越来越高

Core Viewpoint - Hong Kong is entering the "FinTech 3.0 era," integrating technology into daily life to create a resilient and impactful financial ecosystem, as highlighted by the Hong Kong Monetary Authority (HKMA) [2] Group 1: Financial Technology Development Strategy - The HKMA announced the "FinTech 2030" development strategy, focusing on building a robust international FinTech hub with resilience and foresight [3] - The strategy emphasizes four key areas: new data and payment infrastructure, comprehensive AI application support, enhancing business and technological resilience, and promoting financial tokenization, encompassing over 40 specific projects [3][4] Group 2: Data and AI Infrastructure - The HKMA aims to develop a future-oriented infrastructure for secure and efficient data sharing, enhancing cross-border payment connectivity and creating new opportunities for businesses and citizens [3] - Collaboration with the industry will focus on building a scalable AI infrastructure and specialized financial models to improve the accessibility and personalization of banking services [3][5] Group 3: Financial Tokenization - Financial tokenization is identified as a groundbreaking innovation, with plans to regularize the issuance of tokenized government bonds and explore the feasibility of tokenizing foreign exchange fund notes and bonds [4] - The Ensemble project sandbox is set to enter the next pilot phase, allowing for actual value transactions using digital assets and tokenized deposits [4] Group 4: Growth of FinTech Companies - As of 2025, Hong Kong has over 1,200 FinTech companies, a 10% increase from 2024, with projected total revenue for the FinTech sector expected to exceed $600 billion by 2032 [4] Group 5: Encouragement of Innovation - The Hong Kong government is implementing measures to encourage innovation in the financial sector, including relaxing restrictions to attract more investors and exploring tokenization in conventional finance [5] - Approximately 75% of financial institutions in Hong Kong have adopted or trialed generative AI, with plans to increase this to over 87% in the next 3 to 5 years [5][7] Group 6: Virtual Asset Market Development - The Hong Kong Securities and Futures Commission plans to introduce guidelines to facilitate licensed virtual asset trading platforms in connecting with global liquidity and fully opening virtual assets to professional investors [8] - New guidelines will eliminate the previous requirement for a 12-month trading record for virtual assets, broadening the range of assets available to professional investors [8] Group 7: Collaboration with Mainland Cities - The Hong Kong government is enhancing cooperation with mainland cities, particularly Shenzhen, to establish a global FinTech center, with a focus on joint initiatives in digital finance, technology finance, and green finance [10][11] - The collaboration aims to leverage Hong Kong's financial technology advantages and Shenzhen's industrial strengths to deepen financial technology cooperation [11][12]