港人开始北上贷款了

Core Viewpoint - The article discusses the emerging trend of Hong Kong residents seeking loans and credit cards in mainland China, marking a shift from the traditional "southbound" cross-border credit model to a "northbound" approach, facilitated by the Shenzhen-Hong Kong Cross-Border Data Verification Platform (DVP) [1][3]. Group 1: Northbound Loan Demand - There is an increasing demand for Hong Kong residents to obtain loans and credit cards in mainland China, particularly in the consumer loan sector [1][3]. - The Agricultural Bank of China Shenzhen Branch has successfully completed the first case of a Hong Kong resident obtaining a mainland consumer loan through the DVP, benefiting three Hong Kong youths working in Qianhai [3][4]. - Many Hong Kong residents prefer to travel to Shenzhen for consumption, creating a need for mainland banks to access Hong Kong credit reports for credit card approvals [3][4]. Group 2: Cross-Border Data Verification Platform (DVP) - The DVP allows banks to access accurate credit data of Hong Kong residents, addressing the challenge of assessing creditworthiness for those without a credit history in mainland China [4][5]. - The DVP has been operational since May of the previous year, initially focusing on the financial sector, with plans to expand its applications to education, healthcare, and transportation [5][6]. - The platform has gained international recognition and is expected to be extended to Southeast Asia in the future [6]. Group 3: Traditional Southbound Loans - The traditional "southbound" loan model has seen over 2.6 billion HKD in loans approved for mainland enterprises seeking financing in Hong Kong [8][10]. - Many mainland enterprises face challenges in obtaining financing in Hong Kong due to a lack of collateral and credit history, with 96% of outbound enterprises reporting difficulties [9]. - The cross-border credit verification initiatives, including the DVP and Cross-Border Credit Reporting (CBCR), have facilitated the approval of loans for various types of enterprises, including digital tourism platforms and cross-border logistics companies [10].