随着粤港澳大湾区人员往来与经济融合的持续深化，曾以南向为主的深港跨境信贷格局正在重塑，香港 居民北向贷款需求从潜在走向现实。依托跨境征信互通与深港跨境数据验证平台的应用，首批标志性案 例落地为大湾区金融互联互通写下生动注脚。然而，在实践推进过程中，港深两地征信数据标准差异、 贷款产品场景覆盖不足等难题仍待破解，推动这一领域发展的关键在于政策与市场持续协同发力。 近日，香港财经事务及库务局联合深圳市地方金融管理局共同发布《关于携手打造港深全球金融科技中 心的行动方案（2025-2027年）》，进一步推动跨境征信领域"北上南下"试点，明确到2027年底，落地 20个以上深港跨境数据验证平台金融领域应用场景。 ● 本报记者 石诗语 南北双向格局初显 农行前海分行场景创新业务负责人介绍，此次试点核心是通过区块链技术打通传统跨境金融服务中数据 验证的堵点，让双城生活告别"证明烦恼"，为来深香港居民、香港企业提供便捷、高效的金融服务。 业内人士认为，通过该模式，银行可以非常便利地获取真实有效的香港居民的征信数据，有效解决来深 香港居民内地信息空白、难以评估的痛点，更加精准掌握借款人的历史记录，降低香港居民内地融资门 槛， ...

Core Insights - The Hong Kong Financial Services and the Treasury Bureau and the Shenzhen Local Financial Supervision Bureau have jointly released an action plan to establish a cross-border financial technology center between Hong Kong and Shenzhen by 2027, aiming to implement over 20 cross-border data verification platforms in the financial sector [1][3] Group 1: Cross-Border Credit Landscape - The cross-border credit landscape between Hong Kong and Shenzhen is evolving, with a shift from a southbound focus to a more balanced north-south dynamic, as Hong Kong residents' demand for loans in mainland China becomes more tangible [1][4] - The first significant case of cross-border consumer loans for Hong Kong residents was successfully executed by Agricultural Bank of China Shenzhen Branch, utilizing a cross-border data verification platform [2][4] Group 2: Challenges and Solutions - There are existing challenges such as discrepancies in credit data standards and insufficient coverage of loan product scenarios, which need to be addressed to facilitate the growth of cross-border lending [1][4] - The use of blockchain technology in the verification process is expected to streamline data validation and enhance financial services for Hong Kong residents living in Shenzhen [2][3] Group 3: Policy and Market Dynamics - The action plan aims to explore mechanisms for cross-border financial data flow and enhance cooperation between financial institutions in both regions, with a target of establishing over 20 applications by the end of 2027 [3][6] - The Hong Kong Monetary Authority has indicated that successful pilot projects will be regularized, allowing for the development of market-driven cross-border credit solutions [6]

Core Insights - The article highlights the successful approval of a consumer loan for a Hong Kong youth working in Shenzhen, marking a significant step in cross-border financing for Hong Kong residents [1][3][5] - The increasing demand for credit products among Hong Kong youth in mainland China is driven by their unique consumption habits and the challenges they face in accessing credit due to the lack of a credit history in the mainland [4][5][6] - The article discusses the broader trend of Hong Kong and Macau residents seeking loans from mainland banks for various purposes, including home purchases and consumer goods [2][7][8] Group 1: Loan Approval Process - The loan application process for the Hong Kong youth was efficient, taking only a few days from notification to approval, with a competitive interest rate of approximately 3% [1][3] - The approval was facilitated by the use of Hong Kong credit records, addressing the previous challenges faced by Hong Kong residents in obtaining credit in mainland China [1][6] Group 2: Cross-Border Financing Challenges - Hong Kong residents have historically faced significant barriers in applying for credit products in mainland China due to the lack of a unified credit system between the two regions [4][5] - The article notes that despite having good credit histories in Hong Kong, these records are not recognized by mainland banks, complicating the loan application process [4][6] Group 3: Trends in Property Financing - There is a growing trend of Macau residents applying for home loans in Zhuhai, with simplified processes emerging for property purchases, although challenges remain in the area of credit loans [2][7][8] - Data indicates a significant increase in cross-border mortgage registrations, reflecting the rising interest of Hong Kong and Macau residents in mainland property markets [8][9] Group 4: Future Prospects - The article suggests that the recent loan approvals could pave the way for further integration of credit systems between Hong Kong and mainland China, potentially expanding to other loan types such as mortgages and auto loans [1][5][6] - The use of technology, such as blockchain, is highlighted as a means to enhance the credibility of cross-border credit data, which could facilitate future loan approvals for Hong Kong residents [6][12]