剑指全球金融科技中心。 养老金融与特色场景建设同步发力。鼓励金融机构开发养老专属信贷产品和个性化养老金融服务，推进数字金融适老化改造；深化数字人民币应用推广，扩大其在 两地零售、交通、贸易等领域的试点范围，探索智能合约应用和全域示范场景建设。同时推动政务数据与金融数据共享共用，依托深圳数据交易所探索数据资产信 托、知识产权质押融资等创新服务。 优化监管生态 强化保障支撑 11月19日，香港特别行政区政府财经事务及库务局与深圳市地方金融管理局联合发布《携手打造港深全球金融科技中心的行动方案（2025—2027年）》（简称"行动 方案"），明确未来3年，两地将从六大维度发力，深化金融科技领域协同合作，共同构建具有全球竞争力的金融科技产业生态，为粤港澳大湾区金融高质量发展注 入强劲动力。 聚焦主体集聚与技术创新 筑牢产业根基 行动方案提出，将重点引育集聚金融科技主体，争取国家金融监管部门直属机构在两地设立科研、测评等各类中心，鼓励香港支付机构在深圳布局跨境支付技术服 务主体，培育一批数字化业务成熟的"专精特新"金融科技企业。同时支持符合条件的金融机构在香港设立全球金融科技总部，依托金融科技出海联盟拓展国际市 场，服 ...

Core Insights - The Chongqing government is actively implementing a moderately loose monetary policy to support high-quality economic development, with significant financial statistics reported for the first three quarters of the year [1][2]. Financing Supply - The People's Bank of China Chongqing Branch has provided substantial financing, with a total of 100.6 billion yuan in central bank funds and an increase of 368.9 billion yuan in RMB loans, which is 91.9 billion yuan more than the previous year [1][2]. - As of the end of September, the total RMB loan balance in Chongqing reached 6.32 trillion yuan, reflecting a year-on-year growth of 7.8%, outpacing the national average by 1.2 percentage points [1]. Bond Market - In the bond market, enterprises in Chongqing issued 159.76 billion yuan in bonds, including 12.594 billion yuan in asset-backed securities, marking a year-on-year increase of 10.44% [2]. - The total social financing scale in Chongqing for the first three quarters reached 552.05 billion yuan, providing ample funding for economic recovery [2]. Financial Resource Allocation - The Chongqing branch is focusing on efficient financial resource allocation, enhancing services in key sectors such as technology and green finance [2][3]. - The balance of loans for technology enterprises under the "Double Growth" action plan reached 864.1 billion yuan, a year-on-year increase of 22.9% [2]. Consumer and Green Finance - Consumer loans in Chongqing grew by 21.3% year-on-year, driven by increased credit support in service consumption sectors [3]. - Green loans exceeded 1 trillion yuan, with an average annual growth rate of about 30% over the past five years, supporting over 170 enterprises in reducing carbon emissions by 3.3 million tons [2][3]. Financing Costs - The average interest rate for newly issued corporate loans was 3.01%, while personal housing loans had an average rate of 3.14%, both remaining low to stimulate market activity [3]. Financial Reform and Opening Up - The Chongqing branch is advancing financial reforms and opening up, with a financing balance in the Western Land-Sea New Corridor exceeding 700 billion yuan [4][5]. - Cross-border trade facilitation measures have been implemented, with a cumulative settlement of 41 billion USD benefiting 396 enterprises [5]. Future Plans - The Chongqing branch aims to maintain stable credit growth, with plans to inject an additional 30 billion yuan in low-cost funds by year-end [5]. - Continued support for key sectors and the implementation of the "Yangtze River Navigation Plan" will be prioritized, alongside the promotion of cross-border RMB usage [5].