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。 为营造良好发展环境，深港两地将深化创新监管试点合作，用好跨境金融科技创新监管工具联网对接机 制，扩大试点应用范围。提升监管科技水平，优化金融风险监测预警系统，探索人工智能在全链条动态 监管中的应用，实现风险"早识别、早预警、早处置"。同时完善金融科技治理体系，将伦理审查纳入企 业全流程发展，规范行业有序发展。 在生态营造方面，《方案》将通过人才专项政策引进紧缺专业人才，完善"深港澳金融科技师"专才计 划，举办数字金融论坛、成果展示交易等各类活动，深化与全球金融中心城市的交流合作。三大保障措 施同步护航，通过加强组织领导、强化政策协同、做好宣传推广，确保各项任务落地见效，打造具有深 港特色的金融科技品牌。 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 ...

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）》（以下简称《方案》）。《方案》明确，未来三年两地 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，助力 香港巩固提升国际金融中心地位、深圳建设具有全球重要影响力的产业金融中心，为粤港澳大湾区金融 高质量发展注入强劲动力。 《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，服务"一带一路"共建国家金融数字化转型需求。 在技术创新方面，两地将加大金融科技基础技术和底层关键技术研发支持，鼓励高校、企业共建实验室 和跨境研究机构，开展人工智能等技术在金融领域的应用探索。通过算力券补贴降低企业智能算力使用 成本，同时以前海、河套等战略平台为依托，探索金融数据跨境流动机制，深化跨境征信互通试点和数 据 ...

剑指全球金融科技中心。 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 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。 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，服务"一带一路"沿线国家金 ...

Core Viewpoint - The Hong Kong and Shenzhen governments have jointly released an action plan to establish a global fintech center, aiming to enhance collaboration in the fintech sector over the next three years, thereby driving high-quality financial development in the Guangdong-Hong Kong-Macao Greater Bay Area [1]. Group 1: Industry Foundation and Technological Innovation - The action plan focuses on nurturing fintech entities and establishing various research and evaluation centers in both regions, encouraging Hong Kong payment institutions to set up cross-border payment services in Shenzhen, and fostering specialized fintech companies [3]. - There will be increased support for foundational and key technology research in fintech, promoting collaboration between universities and enterprises to explore applications of technologies like artificial intelligence in finance [3]. Group 2: Expanding Application Scenarios - The action plan aligns with the construction requirements of the "Five Major Articles," promoting deep integration of fintech with various fields, including supporting Shenzhen tech firms in utilizing Hong Kong's unique listing channels for financing [5]. - In green finance, the plan aims to deepen the application of corporate carbon accounts and promote sustainable offshore RMB bond issuance [5]. - The initiative also focuses on enhancing digital inclusive finance, optimizing financing services for small and micro enterprises, and expanding the coverage of products like "Credit Ease" and "Micro Loan" [5]. Group 3: Regulatory Ecosystem Optimization - To create a conducive development environment, both regions will deepen innovative regulatory pilot cooperation and enhance the financial risk monitoring and early warning systems [7]. - The plan includes the introduction of specialized talent policies to attract professionals and the establishment of a "Shenzhen-Hong Kong-Macao Fintech Specialist" program [7]. - The release of this action plan signifies a new phase of systematic and normalized fintech cooperation between Hong Kong and Shenzhen, leveraging their respective advantages to enhance global resource allocation capabilities [7].

智通财经APP获悉，11月19日，香港财经事务及库务局(香港财库局)与深圳市地方金融管理局联合发布 《关于携手打造港深全球金融科技中心的行动方案(2025-2027年)》，充分发挥深港两地在金融科技的优 势，携手打造全球金融科技中心。行动方案的重点措施包括：推动深圳金融机构在港成立金融科技子公 司；支持两地共建金融科技联合孵化器；鼓励深圳科技企业利用香港"生物科技公司上市通道"、"特专 科技公司上市通道"及"科企专线"等便利政策来港融资；鼓励深圳企业在港发行可持续发展离岸人民币 债券；推动数字人民币应用场景持续创新；以及支持两地共同参与"多种央行数码货币跨境网 络"(mBridge)项目的研究与应用。 此外，行动方案也会推动两地共同培育金融科技人才，并加强与业界的连系及合作，包括推进"深港澳 金融科技师"专才计划、鼓励两地行业协会及金融机构合办金融科技活动；以及加强两地大型金融科技 活动联动合作等。 香港财库局局长许正宇表示："香港特区政府十分重视金融科技发展，金融科技水平更获最近一期《全 球金融中心指数》报告评为全球第一。这次行动方案正是结合香港在金融科技领域的领先优势与深圳的 产业金融强项，提出多项涵盖数 ...

Core Insights - The article highlights the transformation of Tongxin County in Ningxia into a significant producer of traditional Chinese medicinal herbs, particularly silver root and yellow gentian, which has improved local farmers' incomes and created job opportunities [1][2]. Industry Development - Tongxin County has developed 39,000 acres of medicinal herb cultivation, with silver root being the only major production area in China, recognized by the Ministry of Agriculture and Rural Affairs [2]. - The county has established a "base + cooperative + farmer + financial institution" model to enhance the medicinal herb industry, turning previously barren land into productive agricultural areas [1][3]. Financial Support - Local banks have introduced specialized credit products for the medicinal herb sector, addressing the financing challenges faced by small and micro enterprises [3]. - As of June this year, financial institutions in Tongxin County have issued 2.56 billion yuan in agricultural loans, with 22.79 million yuan specifically for medicinal herbs [1]. Employment and Income Generation - The cooperative model has significantly improved farmers' livelihoods, with an average annual income increase of 6,000 yuan per household through participation in herb cultivation [4]. - The county expects to harvest medicinal herbs from 7,600 acres this year, generating a total output value of 41.04 million yuan [4].

Core Insights - The financial situation in Shenzhen has shown stable growth in the first half of 2025, with significant support for the real economy [1] - The credit structure continues to optimize, with a focus on technology innovation, inclusive small and micro enterprises, and green development [3][4] Financial Overview - As of June 2025, the total deposits in Shenzhen reached 14.16 trillion yuan, an increase of nearly 600 billion yuan since the beginning of the year [1] - The total loans amounted to 9.85 trillion yuan, growing by over 350 billion yuan compared to the start of the year [1] Credit Structure Optimization - The balance of technology loans reached 2.1 trillion yuan, inclusive small and micro loans nearly 2 trillion yuan, green loans 1.3 trillion yuan, and digital economy loans also 1.3 trillion yuan, all growing faster than the overall loan growth rate [3] - The average interest rate for newly issued corporate loans dropped to 2.85% in June 2025, a year-on-year decrease of 0.52 percentage points [3] Policy Implementation - The People's Bank of China (PBOC) implemented a series of monetary policy measures that quickly took effect in Shenzhen, releasing 61.4 billion yuan through reserve requirement ratio cuts [3] - The PBOC has also utilized various tools to support technology innovation and consumption, with over 410 billion yuan in technology re-loans benefiting more than 1850 technology enterprises [3] Green Finance Initiatives - The PBOC in Shenzhen has collaborated with the local ecological environment bureau to support green infrastructure and energy projects, with green loans growing by 25.4% since the beginning of the year [5] Inclusive Finance Development - Shenzhen has established mechanisms to enhance credit access for small and medium-sized enterprises, with over 33 billion yuan in loans issued to more than 110,000 small businesses [6] - The balance of loans to the private economy reached 4.26 trillion yuan, with an increase of 849.75 billion yuan since the start of the year [6] Digital Finance Progress - The digital yuan pilot has seen nearly 30 million wallets opened, with 3,800 prepaid business institutions managing nearly 3.1 billion yuan [7] - The cross-border financial services have expanded significantly, with Shenzhen banks handling cross-border payments amounting to 472 billion yuan, accounting for nearly 50% of the Greater Bay Area [8][9]

Core Insights - The People's Bank of China (Shenzhen Branch) reported a significant increase in both deposits and loans in Shenzhen, with total deposits reaching 14.16 trillion yuan and loans at 9.85 trillion yuan by the end of June 2025, marking increases of nearly 600 billion yuan and over 350 billion yuan respectively [1][2] - Shenzhen has established a credit structure with significant balances in technology and inclusive loans, each reaching 2 trillion yuan, and green and digital economy loans at 1 trillion yuan each, positioning it among the top cities in China [1][3] - The issuance of technology innovation bonds has been notable, with 14 bonds issued totaling over 200 billion yuan, supporting various technology enterprises [2][3] Financial Performance - As of June 2025, the average interest rate for new corporate loans in Shenzhen was 2.85%, a decrease of 0.52 percentage points year-on-year, indicating a low financing cost environment [1][2] - The implementation of a series of monetary policy measures, including a reserve requirement ratio cut that released 61.4 billion yuan into the economy, has bolstered support for the real economy [2][3] Sectoral Focus - The credit allocation in Shenzhen is heavily directed towards key sectors such as technology innovation, inclusive small and micro enterprises, and green development, with technology loans at 2.1 trillion yuan and inclusive loans nearing 2 trillion yuan [3][4] - Green finance initiatives have led to a 25.4% increase in loans for green ports, waterways, and shipbuilding, reflecting a strong commitment to sustainable development [3][4] Cross-Border Finance - Shenzhen has seen a significant increase in cross-border RMB transactions, with a total of 27.63 trillion yuan in cross-border payments in the first half of 2025, a year-on-year growth of 24.3% [4][5] - The "Cross-Border Wealth Management Connect" initiative has attracted approximately 30,000 new individual investors, with total cross-border payment amounts reaching 47.2 billion yuan [5][6] Consumer Trends - Foreign consumer spending in Shenzhen has increased significantly, with non-cash payment transactions reaching 85.88 million and 11.81 billion yuan in the first half of 2025, representing year-on-year growth of 29% and 35% respectively [6][7] - The top three source countries for inbound consumption in Shenzhen are South Korea, the United States, and Singapore, contributing nearly 30% of total consumption [6][7]

Group 1 - The core viewpoint of the news is that the People's Bank of China Shenzhen Branch and the State Administration of Foreign Exchange Shenzhen Branch reported stable growth in credit volume and an optimized credit structure in Shenzhen, with significant support for key sectors such as technology innovation, inclusive small and micro enterprises, and green development [1][2][3] Group 2 - As of June 2025, the total balance of deposits in Shenzhen reached 14.16 trillion yuan, an increase of nearly 600 billion yuan since the beginning of the year, while the total balance of loans was 9.85 trillion yuan, up over 350 billion yuan [2] - The balance of loans for technology innovation reached 2.1 trillion yuan, inclusive small and micro loans nearly 2 trillion yuan, green loans 1.3 trillion yuan, and digital economy loans 1.3 trillion yuan, all growing faster than the overall loan growth rate [2] - The average interest rate for newly issued corporate loans in Shenzhen was 2.85% in June 2025, a year-on-year decrease of 0.52 percentage points, marking a historical low [2][3] Group 3 - A comprehensive monetary policy package was implemented in May 2025, releasing 61.4 billion yuan to support the real economy, with a focus on lowering policy interest rates and stabilizing bank net interest margins [3] - Over 1,850 technology enterprises and 89 projects received more than 41 billion yuan in loans through the technology innovation and technological transformation relending program [3] - The financial institutions in Shenzhen have provided loans exceeding 33 billion yuan to over 110,000 small and micro enterprises and individual businesses through various initiatives [4] Group 4 - The issuance of technology innovation bonds by nine technology enterprises and equity investment institutions in Shenzhen totaled 20.75 billion yuan [4] - Carbon reduction loans amounting to 18.75 billion yuan have been issued to support green infrastructure and energy projects, resulting in a reduction of 3.95 million tons of carbon emissions [4] - The digital RMB pilot has seen nearly 30 million digital wallets opened and 3,800 prepaid business institutions signed up, managing nearly 3.1 billion yuan in prepaid funds [4]

Core Viewpoint - The release of the "Opinions on Deepening Reform and Innovation in Shenzhen's Comprehensive Reform Pilot" aims to enhance financial services for the real economy, particularly focusing on technology and industry integration in finance [2][5]. Financial Services and Innovations - Shenzhen has been recognized as a significant financial center, with the "Opinions" emphasizing the need to improve mechanisms that incentivize financial services for the real economy [2]. - The "Technology Industry Financial Integration Pilot" is designed to empower technological innovation and industrial development, facilitating financial resources to support research and entrepreneurship [2][5]. - New financial products such as "Tengfei Loan" and "Technology Startup Loan" have been introduced to support small and micro enterprises [2]. Credit and Financing Mechanisms - The "Yuanqu Loan," a no-collateral credit product, has been launched to assist small and micro enterprises by leveraging various data points from industrial parks [3]. - As of April 2024, the Shenzhen "Specialized, Refined, Unique, and Innovative" board has listed 301 companies, with 80.73% being small and medium enterprises [3]. - The total loan balance for technology enterprises in Shenzhen reached 1.23 trillion yuan, with a year-on-year growth of 7.23% as of March 2025 [4]. Knowledge and Intellectual Property Financing - Shenzhen leads the nation in knowledge property asset-backed securities (ABS) issuance, with a total of 99 issuances amounting to 21.906 billion yuan, accounting for over half of the national total [6]. - The "Opinions" highlight the need to optimize the connection between debt and equity financing for technology enterprises, addressing challenges such as asset collateralization and risk assessment [7]. Support for Listing and Investment - The "Opinions" allow companies listed on the Hong Kong Stock Exchange to also list on the Shenzhen Stock Exchange, promoting financial connectivity within the Greater Bay Area [8]. - There is a push for more long-term capital to support high-tech companies, especially those returning from overseas listings to the domestic market [9].