不止于此，广发信用卡还携手银联、Visa、万事达等合作伙伴，将优惠网络铺展至港澳的市井街铺。持 卡人不仅免收1.2%外汇交易服务费，还可参与高额返现，万事达卡返现高达34%，Visa卡达32%。无论 是在香港的周大福、SOGO、翠华餐厅，还是澳门的DFS、sasa、六福珠宝，都能感受消费返现的惊 喜。境外线下消费满额有机会领取京东E卡，让跨境观赛的游客，享受如"无感通关"般顺畅的支付体 验。 全运盛事为粤港澳大湾区注入了蓬勃朝气，体育激情正转化为街头巷尾的消费暖意。当金融活水浸润湾 区热土，消费新场景正书写着大湾区融合发展的生动注脚。作为植根大湾区的金融机构，广发信用卡始 终致力于推动区域经济的协同共进，积极服务粤港澳大湾区一体化发展。这场盛会不仅是运动员的舞 台，更是金融普惠民生、科技赋能消费的试验场。未来，随着大湾区一体化进程加速，广发信用卡将继 续以创新为笔、以服务为墨，在这片热土上续写更多"体育赋能经济、消费点亮生活"的精彩故事。 自《粤港澳大湾区发展规划纲要》发布以来，湾区内的金融互联、交通往来、人才流动不断提速。本届 全运会首次设置的跨境赛事项目，港珠澳大桥上，自行车选手凭借人脸识别等科技实现"无 ...

Group 1: Sports Events and Infrastructure - The 15th National Games opened in Guangzhou, marking the first time the Guangdong-Hong Kong-Macao Greater Bay Area jointly hosted a national sports event [1] - Guangzhou has hosted numerous significant sports events, establishing itself as a "Sports City" with vibrant community engagement in various sports activities [1] - The city has transformed many underutilized spaces into sports venues, enhancing public participation in fitness [1] Group 2: Innovative Sports Facilities - The introduction of pickleball, a new sport played in metro stations, showcases Guangzhou's innovative approach to promoting fitness [4] - The Guangzhou University Town Sports Center features the country's first zero-carbon venue, utilizing solar panels to generate over 320,000 kWh annually, contributing to sustainability [8] Group 3: Cultural and Tourism Integration - The National Games in Guangzhou serve as a platform for cultural exchange, allowing visitors to experience the city's rich history and modern vibrancy [10] - Local culinary experiences, such as traditional dim sum, are promoted during the event, with discounts offered at various restaurants [10] - Cultural landmarks like Yongqingfang provide immersive experiences in Lingnan culture, including traditional crafts and performances [12] Group 4: Economic Opportunities in the Greater Bay Area - Guangzhou is positioned as a core engine for the Greater Bay Area's economic development, facilitating international cooperation and trade [18] - Companies like Migs Technology have expanded their operations in Guangzhou, benefiting from the region's mature supply chain and efficient customs processes [20] - The sports equipment company Shuangyu Sports has gained momentum by participating in the National Games, highlighting the economic impact of sports events in the region [22] - The collaborative growth of companies like Migs Technology and Shuangyu Sports exemplifies the synergistic development within the Greater Bay Area [24]

Core Insights - The ongoing trend of "Hong Kong residents heading north" has led to new transportation initiatives in Dongguan, enhancing cross-border travel convenience and increasing capacity by 50% for luxury bus services [1] - Dongguan is expected to receive over 2 million visitors from Hong Kong in 2024, marking a year-on-year increase of 12.97% [1] - The upgraded cross-border bus service aims to facilitate the growing cross-border consumption and tourism between Hong Kong and mainland China [1] Group 1 - The cross-border bus service from Dongguan starts at Wanjiang, passing through Nancheng and Houjie, and offers direct access to over 20 popular locations in Hong Kong, including Tsim Sha Tsui and Disneyland [2] - The bus operates 20 round trips daily, with an average frequency of one bus per hour, and a travel time of approximately 2 hours, priced at 85 yuan [2] - The launch of the bus service enhances the cross-border transportation network, promoting economic and cultural exchanges between Dongguan and Hong Kong [2] Group 2 - The service is complemented by the "transportation + cultural tourism" offerings at the Silver City Hotel, which aims to replicate the traditional Hong Kong morning tea experience [2] - The ongoing development of the Greater Bay Area's "one-hour living circle" is expected to further strengthen the ties between Dongguan and Hong Kong [2]

Group 1: Modular Construction in Shenzhen - Shenzhen plans to implement modular construction projects with a cumulative area of no less than 3 million square meters by the end of 2028, promoting the integration of three major industrial clusters in modular construction [1] - The initiative aims to create a complete industrial chain for modular construction, with at least 6 standards and specifications to be published and implemented [1] - This development is seen as a transformation in urban development models, addressing issues such as low construction efficiency and high carbon emissions [1] Group 2: Hong Kong Inflation Data - In June, Hong Kong's Composite Consumer Price Index increased by 1.4% year-on-year, a decrease from 1.9% in May [2] - The basic inflation rate, excluding one-off government relief measures, stands at 1%, indicating controlled price pressures across major components [2] - Factors contributing to the easing of inflation include a decline in international energy prices, weak local demand, and government policy adjustments [2] Group 3: Dongguan Major Projects - Dongguan has announced the third batch of major projects for 2025, which includes 9 projects focusing on advanced manufacturing sectors such as chip manufacturing, new energy vehicle components, and AI equipment [3] - These projects are expected to strengthen the core links of the local industrial chain and leverage the collaborative advantages of the Greater Bay Area for industrial upgrades [3] Group 4: Cross-Border Data Verification Platform - The Shenzhen-Hong Kong cross-border data verification platform has connected 15 institutions and launched 22 application scenarios, generating a total of 1,700 verification data entries [4] - Shenzhen is actively exploring efficient and secure mechanisms for cross-border data flow, enhancing rule alignment and integration of services between Shenzhen and Hong Kong [4] Group 5: Shenzhen Stock Market Performance - On July 21, the Shenzhen Composite Index closed at 11,007.49 points, reflecting an increase of 0.86% [5] - Notable gainers in the Shenzhen market include Zhuhai Design, Dahongli, and Guanlong Energy-saving, each experiencing significant price increases [6] - Conversely, Sifang Jingchuang, Zhongdian Port, and Kanghua Biology faced declines in their stock prices [6]

Core Viewpoint - The launch of the cross-border payment system marks a significant innovation in China's financial payment sector, enabling real-time cross-border remittance services between mainland China and Hong Kong, thus enhancing the financial lives of residents in both regions [1] Group 1: Efficiency and User Experience - The cross-border payment system significantly improves the efficiency of cross-border payment services, allowing funds to be transferred in seconds compared to the traditional 1 to 3 working days [2] - It supports various channels such as mobile banking and online banking, enhancing the convenience and comfort of transactions for residents [2] Group 2: Cost Reduction - The system effectively reduces transaction costs associated with cross-border payments by streamlining the clearing process and minimizing intermediary involvement [3] - During the pilot phase, several participating banks offered fee waivers, indicating a potential for lower overall costs even if fees are reinstated in the future [3] Group 3: Promotion of Renminbi Internationalization - The cross-border payment system supports real-time exchange and clearing of Renminbi and Hong Kong dollars, contributing to the internationalization of the Renminbi [3] - It is expected to facilitate the expansion of Renminbi usage in cross-border trade and potentially connect with more countries in the future [3] Group 4: Strengthening Hong Kong's Financial Hub Status - The system enhances the safety, efficiency, and convenience of payment services for economic activities and personnel exchanges between Shenzhen and Hong Kong, promoting economic integration [4] - It supports high-frequency payment scenarios such as salary disbursement and tuition fees, fostering talent exchange and cooperation in education and healthcare [4] - By reducing cross-border payment barriers, the system is poised to bolster Hong Kong's position as an offshore Renminbi hub and strengthen its status as an international financial center [4]

Core Viewpoint - The launch of the Cross-Border Payment System facilitates real-time cross-border transfers between residents of mainland China and Hong Kong, significantly reducing costs and enhancing financial sovereignty and risk resilience [1][2][3] Group 1: Service Overview - The Cross-Border Payment System allows users to transfer funds by simply entering the recipient's phone number or bank account, with initial services provided by six banks in both regions without any fees [1] - The system connects the mainland's Internet Banking Payment System (IBPS) with Hong Kong's Faster Payment System (FPS), streamlining the cross-border remittance process and enabling real-time fund transfers [1] Group 2: User Experience - Users, such as a Shenzhen resident, have reported that the new system simplifies the remittance process, eliminating the need for currency exchange and reducing the waiting time for funds to arrive [2] - The system addresses previous challenges faced by Hong Kong residents, such as concerns over money laundering and the inconvenience of physically transporting cash across borders [2] Group 3: Economic Impact - The Cross-Border Payment System is a response to the increasing economic and consumer interactions between mainland China and Hong Kong, meeting the growing demand for efficient and secure cross-border payments [2] - Enhanced payment convenience is expected to boost consumer spending power for Hong Kong residents traveling to the Greater Bay Area, fostering deeper integration of the region [2] Group 4: Future Potential - The system is viewed as a platform for continuous innovation, with potential future expansions to support more currencies and regions, contributing to the globalization of cross-border payments [3] - The Cross-Border Payment System is anticipated to play a significant role in promoting the internationalization of the Renminbi, offering new opportunities for development in both regions [3]

Core Viewpoint - The launch of the Cross-Border Payment Link on June 22 marks the realization of interconnectivity between the mainland and Hong Kong's rapid payment systems, allowing residents to conduct real-time cross-border remittances [1] Group 1: Cross-Border Payment Link - The Cross-Border Payment Link enables residents to make cross-border remittances by simply entering a phone number or a combination of account name and number in the mobile banking app [1] - Initial participating mainland institutions include major banks such as ICBC, ABC, Bank of China, and others, while Hong Kong institutions include Bank of China (Hong Kong), HSBC, and others, with plans to gradually expand participation [1] Group 2: Economic and Financial Impact - The cross-border payment system is expected to enhance the safety, efficiency, and convenience of payment services for economic activities and personnel exchanges between Shenzhen and Hong Kong [2] - In 2024, the total cross-border receipts and payments between Shenzhen and Hong Kong are projected to reach 617.8 million transactions, amounting to approximately 95.37 billion USD, with real-time settlement available for USD, HKD, and RMB [1] - The initiative supports the integration of the Guangdong-Hong Kong-Macao Greater Bay Area and contributes to the development of Hong Kong as an international financial center [2]

Group 1 - The 2025 Guangdong-Hong Kong-Macao Greater Bay Area Old Brand (Cultural) Expo has officially started its preparation, aiming to attract over 400 exhibitors and over 100,000 visitors [1][5] - The expo will take place from September 12-14 in Guangzhou, with a total exhibition area of 20,000 square meters [5] - The theme of the expo is "New Momentum for Old Brands, New Experience in the Greater Bay Area," focusing on cultural inheritance and innovation of old brands [5] Group 2 - The Guangdong Old Brand Association has announced two major initiatives for this year: collecting "Top Ten Cases of Innovation" for old brands and launching a "Yue Hand Gift" brand collection to integrate various product categories [4][5] - The integration of the Greater Bay Area is expected to provide new opportunities for the development of old brands, with plans to establish a revitalization fund and a platform for efficient brand and capital connection [5] - The expo aims to promote the cultural transmission and innovative development of old brand products, leveraging the cultural advantages of the Guangdong-Hong Kong-Macao region [5]