证券时报记者 贺觉渊 近年来，本外币合一银行结算账户体系、港澳电子钱包跨境应用等一系列支付领域改革创新在粤港 澳大湾区落地实施，持续满足港澳居民对支付服务无缝衔接的需求，促进粤港澳民生融合。中国人民银 行广东省分行已明确，将继续推进粤港澳支付领域创新合作，持续拓展港澳居民支付服务的广度与深 度，全面提升港澳居民支付服务质效。 （责任编辑：王治强 HF013） 【免责声明】本文仅代表作者本人观点，与和讯网无关。和讯网站对文中陈述、观点判断保持中立，不对所包含内容 的准确性、可靠性或完整性提供任何明示或暗示的保证。请读者仅作参考，并请自行承担全部责任。邮箱： news_center@staff.hexun.com 代理见证开户业务为港澳居民在内地求学、就业、生活提供了更加便捷的支付服务，促进了大湾区 金融互联互通。目前，共有中国银行等8家银行参与港澳居民代理见证开户业务。截至2025年6月末，共 开立个人银行账户47.2万户，交易金额超过400亿元。据中国银行介绍，该行自2019年首发推出的"大湾 区开户易"已累计服务数十万港澳客户。 随着"北上"旅游、置业、养老的规模不断增长，港澳居民在大湾区内活动半径扩大至更 ...

Core Insights - The agent witnessing account opening service for Hong Kong and Macau residents has achieved full coverage in the Guangdong-Hong Kong-Macao Greater Bay Area, allowing eligible residents to open bank accounts in mainland China without traveling there [1][2] - The People's Bank of China Guangdong Branch initiated a pilot program in 2019, enabling Hong Kong and Macau residents to apply for personal bank accounts directly at designated banks in Hong Kong and Macau [1] - As of June 2025, a total of 472,000 personal bank accounts have been opened, with transaction amounts exceeding 40 billion yuan [1] Group 1 - The service expansion includes six additional cities: Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen, and Zhaoqing, achieving full coverage of the Greater Bay Area [2] - On the day the service upgrade was implemented, there was immediate activity with Hong Kong and Macau residents utilizing the service at designated China Bank outlets [2] - Residents only need to present their permanent resident ID and travel permit to open accounts at the designated witnessing outlets [2] Group 2 - Recent innovations in payment systems, such as the unified currency settlement account and cross-border applications for electronic wallets, have been implemented to meet the seamless payment service needs of Hong Kong and Macau residents [2] - The People's Bank of China Guangdong Branch plans to continue promoting innovative cooperation in the payment sector, enhancing the breadth and depth of payment services for Hong Kong and Macau residents [2]

Core Viewpoint - The article highlights the completion of the proxy witness account opening service for Hong Kong and Macau residents, enabling them to open bank accounts in mainland China without needing to visit in person, thus enhancing financial connectivity in the Guangdong-Hong Kong-Macau Greater Bay Area [1][2]. Group 1: Service Expansion - The People's Bank of China Guangdong Branch has expanded the proxy witness account opening service to six additional cities in the Greater Bay Area, achieving full coverage across the region [2]. - As of June 2025, a total of 472,000 personal bank accounts have been opened, with transaction amounts exceeding 40 billion yuan [1]. Group 2: Service Accessibility - Hong Kong and Macau residents can now open accounts by visiting designated bank branches in their regions with just their permanent resident ID and travel permit [2]. - The service upgrade has led to immediate usage, with residents utilizing the service on the same day it was implemented [2]. Group 3: Financial Innovations - Recent reforms in payment systems, including the integration of domestic and foreign currency accounts and cross-border applications of electronic wallets, have been implemented to meet the payment service needs of Hong Kong and Macau residents [2]. - The People's Bank of China Guangdong Branch plans to continue promoting innovative cooperation in payment services to enhance the quality and efficiency of services for Hong Kong and Macau residents [2].

Group 1 - The core viewpoint of the news is the upgrade of the "Greater Bay Area Account Opening Easy" service by the Bank of China Guangdong Branch, allowing residents of Hong Kong and Macau to open bank accounts in mainland China without needing to visit in person [1][2] - The service upgrade was implemented on the same day, with branches in Dongguan, Zhongshan, and Jiangmen already facilitating account openings [1] - The new process allows Hong Kong and Macau residents to open personal accounts at designated Bank of China outlets in Hong Kong and Macau, enhancing the convenience of payment services across the Greater Bay Area [1][2] Group 2 - The upgraded service now covers all nine cities in the Greater Bay Area, promoting financial connectivity among Guangdong, Hong Kong, and Macau [2] - This initiative aims to lay a financial foundation for creating a high-quality living circle for tourism, education, entrepreneurship, and elderly care [2]

截至2025年6月末，港澳居民代理见证开户业务共开立个人银行账户47.2万户，交易金额超过400亿元。 "代理见证开户业务为港澳居民在内地求学、就业、生活提供了更加便捷的支付服务，促进了大湾区金 融互联互通。该业务被纳入粤港澳大湾区建设领导小组推出的'惠港16条'，以及中国人民银行等五部门 印发的'横琴金融30条'。"中国人民银行广东省分行相关负责人介绍道。 随着"北上"旅游、置业、养老的规模不断增长，港澳居民在大湾区内活动半径扩大至更多城市，对扩大 业务办理城市范围提出需求。为此，中国人民银行广东省分行组织8家参与银行拓展内地业务地区，覆 盖大湾区内地9市。同时，组织银行结合港澳网点分布和客户需求，增加港澳地区见证网点，进一步提 升触达度和开户便利性。 近年来，中国人民银行广东省分行紧紧围绕港澳居民在内地支付需求，持续打造粤港澳大湾区支付服 务"无障碍"生活圈，陆续推出本外币合一银行结算账户体系、港澳电子钱包跨境应用、港珠澳大桥ETC 无感通行缴费、港澳单牌车无感支付停车、横琴"澳门新街坊"双币种收单业务等一系列支付领域改革创 新，持续满足港澳居民对支付服务无缝衔接的需求，深度促进粤港澳民生融合。 2019 ...

Core Viewpoint - The Bank of China Guangdong Branch has upgraded its "Greater Bay Area Account Opening Easy" service, allowing residents of Hong Kong and Macau to open bank accounts in mainland China without needing to visit in person, thereby enhancing financial connectivity in the Greater Bay Area [1][2] Group 1: Service Upgrade Details - The upgraded service allows Hong Kong and Macau residents to open personal accounts at designated Bank of China branches in Hong Kong and Macau, streamlining the account opening process through witness services [1] - Since its launch in 2019, the "Greater Bay Area Account Opening Easy" service has served tens of thousands of Hong Kong and Macau customers [1] - The service area has expanded from three cities (Guangzhou, Shenzhen, and Zhuhai) to cover all nine cities in the Greater Bay Area, including Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen, and Zhaoqing [1] Group 2: Additional Financial Services - The Bank of China Guangdong Branch is also enhancing payment service convenience, with foreign card acceptance and mobile payments covering various high-frequency consumption scenarios [2] - Over 20 types of foreign currency exchange services are available at branches, along with a special "RMB Wallet" for foreign visitors [2] - The "Laihua Tong" app has been launched to provide foreign visitors with information on Chinese culture, tourism, and food, integrating translation, maps, and exchange rate services for a seamless experience [2] Group 3: Future Plans - The Bank of China Guangdong Branch aims to further leverage its unique advantages to actively integrate into the financial services of the Greater Bay Area, contributing to local economic and social development [2]

Core Viewpoint - The "Nansha Financial 30 Measures" aims to enhance financial support for Nansha, positioning it as a key driver for high-quality development in the Guangdong-Hong Kong-Macao Greater Bay Area and a significant international financial hub for China's financial industry [1][2][3] Group 1: Financial Support and Innovation - The initiative emphasizes improving financial services for innovation and entrepreneurship, particularly supporting technology innovation industry cooperation bases [1] - Financial institutions are encouraged to innovate bill discount products and increase bill financing support for enterprises aligned with Nansha's industrial development [1] - Collaboration between banks and external investment institutions is promoted to explore new business models such as "loans + external direct investment" [1] Group 2: High-end Manufacturing and Green Finance - The measures support government-guided funds focusing on key industries and technologies in Nansha, facilitating social capital investment [2] - Eligible manufacturing and technology enterprises are encouraged to issue technology innovation bonds and explore mixed financing models [2] - Development of specialized financial services is highlighted, including green finance, digital finance, and shipping finance to support the international shipping hub [2] Group 3: International Financial Cooperation - The plan includes establishing an international commercial bank in the Greater Bay Area and attracting diverse investment institutions [3] - Support is provided for Hong Kong and Macao investors to establish securities and fund companies in mainland China [3] - The construction of financial innovation hubs and platforms is prioritized to facilitate cross-border operations for Hong Kong and Macao financial institutions [3] Group 4: Cross-border Payment and Insurance Services - The measures aim to enhance the convenience of cross-border payment services and expand the pilot scope for banks serving Hong Kong and Macao residents [3] - Collaboration between banks and non-bank payment institutions is encouraged to develop cross-border payment services [3] - Insurance services are also targeted for improvement, with a focus on developing cross-border insurance products suitable for Nansha residents [3]