阮国恒表示，验证平台的技术设计具备高度开放性，可以支持不同行业和领域的数据源和用家，亦可以 根据个别应用场景的需要，上线更多的数据种类。现时，验证平台覆盖的数据已经相当丰富。 阮国恒表示，试点计划至今已经取得显著进展，成功在不同场景之下，跨境传输不同类型的企业及个人 数据。在信息南向传输往香港方面，香港银行成功获取具有高度认受性的人民银行信用报告，协助审批 了超过2.6亿港元的贷款，当中包括企业贷款、个人信贷、房屋按揭等实际场景。 智通财经APP获悉，10月10日， 香港金管局副总裁阮国恒在跨境征信及数据验证研讨会致欢迎辞。他 提到，在之前的试点取得成功的基础上，香港金管局与人民银行已经决定，将跨境征信互通业务试 点"常规化"，支持业界将现阶段试点成果"产品化"，推出以市场为本的跨境征信解决方案。同时，为满 足市场需要和反馈，也正如行政长官在刚刚发表的施政报告所提到，香港金管局将继续与内地相关部委 共同协作，优化"跨境征信互通"和验证平台，便利香港银行向在港的内地居民及企业审批贷款。 阮国恒表示，跨境信贷资料共享已经成为国际金融行业的一个重要课题。根据业界的需求，香港金管局 一直与人民银行合作，推动跨境征信合 ...

经济观察报 记者 胡群 当生成式人工智能在政策、商业、技术等多方力量的推动下，正在以超乎想象的速度蓬勃 发展，区块链技术商业价值发展如何？ 2023年12月26日，微众银行科技创新产品部负责人、金链盟常务副秘书长姚辉亚在接受经济观察报记者专访时表 示："区块链技术正在成为数字经济中不可或缺的基础设施。2023年我们看到大量区块链应用已经初具规模，有效 地解决了各类真实痛点问题，为建设者和运营者带来了可观的经济价值，有的还带来了商业模式的创新。区块链 商业价值的拐点已经出现。" 长期以来，区块链技术的商业价值一直备受争议，许多人认为区块链技术仍处于初级阶段，尚未有成熟的商业模 式。随着近年来区块链技术生态的发展，越来越多的企业开始探索区块链技术的产业应用。它们以提升业务效 率、降低成本、增强数据安全等方面为目标，推动着区块链技术的商业价值不断攀升。当前，区块链技术已经广 泛应用于金融、供应链、物联网、版权保护、公共服务等多个领域。IDC预测，2024年中国区块链市场规模将达 到25亿美元。 坚持开源开放 中国信通院发布的《区块链白皮书（2023年）》显示，截至2023年12月，全球共有区块链企业10291家，其 ...

Core Insights - The cross-border financial pilot between Shenzhen and Hong Kong has achieved a significant breakthrough with the successful issuance of the first loan to a Hong Kong resident in mainland China, facilitated by the Agricultural Bank of China Shenzhen Branch and supported by various regulatory bodies [1][2][3] - The pilot utilizes a cross-border data verification platform to efficiently verify credit data for Hong Kong residents, addressing the challenges of credit assessment due to the lack of credit history in mainland China [1][2] - The initiative aims to enhance financial service accessibility and diversity for Hong Kong residents working in Shenzhen, promoting economic integration in the Greater Bay Area [1][2] Summary by Sections Pilot Highlights - The pilot introduces a pioneering case of cross-border verification of Hong Kong residents' credit data, reducing financing barriers and enhancing the inclusivity of financial services [1] - It implements a "personal self-carrying model" using blockchain technology to ensure secure and compliant cross-border data verification while protecting individual rights [1][3] - The initiative aligns with the "Action Plan for Supporting High-Quality Financial Development in Qianhai (2025-2026)" to provide replicable cross-border data solutions for financial institutions [1] User Experience - A representative from a Hong Kong enterprise expressed that the loan approval process has become more convenient, highlighting the importance of data interoperability for financial and medical services [2] - The pilot aims to eliminate traditional data verification bottlenecks in cross-border financial services, providing efficient and inclusive financial solutions for Hong Kong residents and enterprises in Shenzhen [2] Platform Operations - The cross-border data verification platform is operated by the National (Shenzhen Qianhai) New Internet Exchange Center and other local entities, ensuring data security and compliance with regulatory requirements [3] - The platform has previously facilitated nearly 100 million yuan in financing for small and micro enterprises in Hong Kong and aims to expand into other financial services such as cross-border trade settlement and wealth management [3] - It is positioned as a crucial infrastructure for financial connectivity between Shenzhen and Hong Kong, contributing to the financial integration of the Guangdong-Hong Kong-Macao Greater Bay Area [3]

21世纪经济报道记者 陈思琦 深圳报道 深港跨境金融试点实现实质性突破。 21世纪经济报道记者获悉，9月25日，在中国农业银行深圳市分行携手百行征信、香港环联合作下，首 笔依托深港跨境数据验证平台的香港居民内地贷款成功放款。 据了解，此次试点由农行深圳分行创新应用深港跨境数据验证平台，在取得信息主体充分授权的前提 下，实现香港居民征信数据的高效核验，成功为3名在前海深港青年梦工场就业的香港青年完成内地消 费贷款额度核定，并实现首例通过数据核验面向香港居民的内地消费贷款放款。 据介绍，此次试点有三个新亮点： 一是首创港人征信数据北上跨境验证案例，针对性解决来深港人因内地征信空白导致的资质评估难问 题，降低港人跨境融资门槛，增强金融服务多样性、普惠性。 二是实现"个人自主携带模式"，通过区块链等技术手段和"个人自主携带模式"，采取传验分离模式，在 实现数据跨境可信验证的同时，充分保障个人的知情、同意等各项权利。 三是打造创新性服务流程，落实年初深圳印发的《关于支持前海金融高质量发展的行动方案（2025— 2026年）》，为深港两地金融机构提供可复制的数据跨境解决方案，推动落实大湾区经贸深度融合。 "这次前海农行通 ...

Core Insights - The China Free Trade Zone Innovation Index for 2024-2025 was released, showing that the Qianhai Shekou Free Trade Zone continues to lead in institutional innovation capabilities for the fourth consecutive year [1] - The index evaluates 57 free trade pilot zones across five dimensions: investment liberalization, trade facilitation, financial reform and innovation, government function transformation, and legal environment [1] - From 2015 to 2024, the total import and export value of the Qianhai Shekou Free Trade Zone increased from 71.2 billion to 537.98 billion, with an average annual growth rate exceeding 25% [1] Group 1 - The Qianhai Shekou Free Trade Zone has implemented innovative policies such as offshore trade tax incentives, allowing eligible companies to enjoy tax exemption and refund policies [2] - The zone has seen the establishment of foreign-funded hospitals and support for Hong Kong, Macau, and Taiwan doctors to open clinics within the area [2] - A pilot program for integrated currency pool business has been launched, with a business scale exceeding 30 billion [2] Group 2 - The Qianhai Shekou Free Trade Zone has improved its port and transportation network, achieving full coverage of major inland river ports in the Greater Bay Area [2] - Initiatives such as the establishment of a one-stop service center for foreigners and the construction of cross-border data verification platforms have been implemented [2]