Core Insights - The demand for "northbound" loans from Hong Kong residents to mainland China is increasing, marking a shift from the previously dominant "southbound" lending model [1][3][4] - The first successful case of Hong Kong residents obtaining mainland consumer loans through the Shenzhen-Hong Kong Cross-Border Data Verification Platform (DVP) has been reported, indicating a growing trend in cross-border financial services [3][4] - The DVP platform, which facilitates the verification of credit data across borders, is expected to expand its applications beyond finance to sectors like education and healthcare [5][11] Group 1: Northbound Lending Developments - The Agricultural Bank of China Shenzhen Branch announced the first case of a Hong Kong resident obtaining a mainland consumer loan through the DVP, highlighting the platform's role in cross-border credit verification [3][4] - Many Hong Kong residents are seeking credit cards and loans in mainland China to facilitate their consumption, with banks in Shenzhen showing interest in acquiring credit reports from Hong Kong [4][10] - The DVP has been operational since May 2022, primarily focusing on financial services, and is now looking to include more state-owned banks in its northbound verification efforts [5][11] Group 2: Market Dynamics and Future Prospects - Over 10,000 Hong Kong residents are currently living and working in Qianhai, indicating a significant market for financial services targeting this demographic [4] - The DVP aims to prepare for future cross-border credit verification for Southeast Asian markets, leveraging the experience gained from servicing Hong Kong residents [4][5] - Traditional "southbound" lending has already surpassed 2.6 billion HKD, with many banks actively participating in this segment, indicating a robust cross-border lending ecosystem [9][11]

大湾区居民双向奔赴。 继消费之后，过去的以"南向"居多的深港跨境信贷，开始落地"北 向"案例。 在香港金融科技周期间，一位香港征信机构负责人向21世纪经济报道记者表示， 目前香港居 民"北上"贷款或申请信用卡的需求有所提升。 过去，深港跨境信贷的案例更多集中于"南向"，即内地企业经由香港出海和在港融资、内地居 民在港开户等，其实现方式大多依托于深圳跨境数据验证平台（DVP）。其中，微众银行、富 融银行、东亚银行、工银亚洲等银行均已有案例落地。 作者丨黄子潇 编辑丨孙超逸 不过，这一情况正在发生变化。今年9月末，首批依托DVP的港人北上贷款的案例开始出现， 多集中于消费贷、信用卡领域。农行深圳分行等已落地相关案例。 对此，部分香港机构正在加大与深圳各家银行、征信公司的接触，以探索业务机会。 从消费到贷款 消费并非一个新话题，但港人"北向"贷款已经开始出现。 今年10月，农业银行深圳分行发布消息称，该行联手百行征信、环联信贷，落地首笔依托深港 跨境数据验证平台的香港居民的内地消费贷款。这是首例港人征信数据北上跨境验证的案例。 据悉，该案例成功为3名在前海深港青年梦工场就业的香港青年完成内地消费贷款额度核定与 发放 ...

Core Insights - The demand for "northbound" loans and credit cards from Hong Kong residents has increased, marking a shift from the previously dominant "southbound" cross-border credit cases [1][4][5] - The first cases of Hong Kong residents obtaining loans in mainland China through the Shenzhen-Hong Kong Cross-Border Data Verification Platform (DVP) have emerged, primarily in the consumer loan and credit card sectors [1][5][6] Group 1: Cross-Border Loan Developments - The Agricultural Bank of China Shenzhen Branch announced the first successful case of a Hong Kong resident obtaining a mainland consumer loan, utilizing the DVP for credit data verification [5][6] - 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 [6][11] - There are over 10,000 Hong Kong residents living and working in Qianhai, indicating a growing market for cross-border financial services [6] Group 2: Financial Institutions' Strategies - Hong Kong institutions are increasing engagement with Shenzhen banks and credit companies to explore business opportunities related to the northbound loan market [2] - The DVP has been recognized internationally and is expected to expand its application to Southeast Asia, enhancing cross-border financial services [8] - Major banks in Hong Kong, including Bank of China Hong Kong, HSBC, and Standard Chartered, have already engaged in cross-border lending under the framework of cross-border credit mutual recognition [10][11] Group 3: Market Trends and Future Outlook - The traditional "southbound" loans have exceeded 260 million HKD, indicating a robust demand for cross-border financing from mainland enterprises [9][11] - The DVP is also exploring applications in education, healthcare, and transportation, suggesting a broadening scope for cross-border financial services [8] - The integration of credit data from different regions remains a challenge, with ongoing efforts to standardize formats and improve data interoperability [11]