21世纪经济报道记者 曹媛 深圳报道 当前，我国正大力发展多层次征信市场，广泛覆盖全社会征信需求。 个人征信方面，先后批设了3家市场化个人征信机构。2024年，个人征信机构提供信用评分、信用画 像、反欺诈等各类征信服务700多亿次。 企业征信方面，2024年，154家企业征信机构提供各类征信服务365亿次。同时，人民银行持续推动地方 征信平台市场化转型升级，截至2024年末，征信平台已累计服务各类经营主体近700万家，促成融资规 模突破24万亿元。 征信对企业融资为何重要？原因在于，小微企业因风险、规模、资产等限制，仅靠传统"三表"信息难获 充足信贷支持。而这类企业多以个人经营为主，金融机构审批时需结合个人征信与企业数据，挖掘信用 关联以全面评估信用价值。 历经多年发展，我国已形成"政府＋市场"双轮驱动的征信体系。其中，位于深圳的百行征信，是国内首 家拥有"个人+企业"双业务资质的市场化机构，也是我国三家持牌市场化个人征信机构之一。 "对于小微企业主和个体工商户，百行征信可以发挥个人征信、企业征信双资质的独特禀赋，将小微企 业主个人信用状况和企业资质情况相结合，更好服务金融机构开展信用评估、授信管理。" 近日 ...

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]

由于部分资料较敏感，两地于今年4月起同步应用深港跨境数据验证平台，在流程上加入验证步骤，让 资料可在内地企业及个人客户授权下在香港获得认证。 数据显示，跨境征信互通业务试点推行以来，协助逾10家企业及10位个人客户完成2.6亿港元贷款审 批。 阮国恒表示，跨境征信合作至今已有多个"南下""北上"试点个案落地，包括企业及个人的开户和信贷申 请，例如企业贷款、个人信贷和房屋按揭。 他鼓励香港的银行、征信业界，以及内地相关机构合作，继续促进和完善跨境信贷及其他数据源共用， 便民利商。 香港金融管理局：跨境征信互通业务试点将常规化 中新社香港10月10日电 (记者 魏华都)香港金融管理局副总裁阮国恒10日表示，中国人民银行、香港金 融管理局决定将跨境征信互通业务试点常规化。 为方便中国内地与香港的企业和居民在两地进行贷款活动，两地自2024年开始推进跨境征信互通业务试 点，在香港和深圳先行先试，通过两地征信机构合作建立连接。 中国银行(香港)表示，已成功使用已验证的内地个人信用报告辅助审批楼宇按揭、私人贷款及信用卡， 试点计划有助于银行更清楚了解客户的信贷状况及背景，加强银行信贷风险管理，加快信贷审批流程， 提升跨境 ...