2025.11.23 本文字数：3182，阅读时长大约5分钟 作者 |第一财经 王方然 面对深港两地信用数据互认的长期壁垒，一份内地信用报告何时能成为香港银行的可靠放贷凭证？香港 居民又如何以内地"白户"身份办理贷款或社保？这些难题的破解路径正逐渐清晰。跨境数据验证平台从 试运行走向场景化拓展。 近日，记者从第19届深圳国际金融博览会（下称"金博会"）了解到，香港特别行政区政府财经事务及库 务局、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）》（下称《行动方案》）。其中提出，探索建立金融数据跨境流动机制。推动前海、河套等国家级 战略平台在上级指导下结合实际探索数据跨境流动管理措施。2027年底，将落地20个以上深港跨境数据 验证平台金融应用场景。 随着深港金融融合持续深化，此前"南下"与"北上"的双向金融需求开始显现（详见）。多位受访业内人 士认为，《行动方案》呼应了深港融合新趋势，可以逐步破解跨境金融活动中存在的难点。深港跨境数 据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。 2027年底落地20个以上应用场景 深圳地方金融管理局局长 ...

2025.11. 23 本文字数：3182，阅读时长大约5分钟 作者 | 第一财经 王方然 根据新发布的《行动方案》， 将以数据要素流通、数字技术创新为驱动，深化两地金融科技技术攻 关、场景适配与成果转化，形成数字金融与科技、绿色、普惠、养老金融协同发展格局，提出到 2027年底，落地20个以上深港跨境数据验证平台金融应用场景 。 为实现这一目标，《行动方案》第四条明确，加快打造特色应用场景，依托香港数字人民币跨境试点 优势，便利居民使用；推动金融/公共/商业信用数据共享，联合深圳数据交易所开展"数据+金融"合 作。 面对深港两地信用数据互认的长期壁垒，一份内地信用报告何时能成为香港银行的可靠放贷凭证？香 港居民又如何以内地"白户"身份办理贷款或社保？这些难题的破解路径正逐渐清晰。跨境数据验证平 台从试运行走向场景化拓展。 近日，记者从第19届深圳国际金融博览会（下 称"金博会"）了解到，香港特别行政区政府财经事务 及库务局、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）》（下称《行动方案》）。其中提出，探索建立金融数据跨境流动机制。推动前 海、河套等国家级 ...

Core Insights - The dual financial demand of "southbound" and "northbound" is becoming evident, with a focus on breaking down barriers in credit data recognition between mainland China and Hong Kong [1][5][6] - The recently released "Action Plan" aims to establish a cross-border financial data flow mechanism and create over 20 financial application scenarios by the end of 2027 [2][4] Group 1: Action Plan and Implementation - The "Action Plan" emphasizes the importance of data element circulation and digital technology innovation to deepen financial technology collaboration between Shenzhen and Hong Kong [2][4] - As of now, the cross-border data verification platform has facilitated loans exceeding 700 million yuan and established the first data insurance zone in the country [2] - The plan includes measures to optimize the regulatory environment for cross-border financial technology innovation and explore digital transformation in regulation [2][3] Group 2: Trends in Cross-Border Financial Activities - There is a shift from short-term consumption to long-term residency for Hong Kong residents in mainland China, leading to increased demand for loans and social security [4][6] - The asset allocation of Hong Kong residents is expanding beyond local investments to include mainland loans for property purchases and other financial activities [4][6] - The trend of young Hong Kong residents moving north for employment or entrepreneurship is growing, particularly in emerging sectors like technology and finance [4][6] Group 3: Challenges and Solutions - The lack of mutual recognition of credit data between the two regions poses significant challenges for financial institutions in verifying the creditworthiness of clients [6][7] - The cross-border data verification platform is seen as a key solution to overcoming information barriers and facilitating smoother financial transactions [8][9] - The Hong Kong Monetary Authority is working on regularizing cross-border credit data sharing, which will support the development of market-based solutions [9][10] Group 4: Future Prospects - The verification platform is designed to be highly open, allowing for the integration of various data sources across different industries [11] - There are suggestions to establish a unified financial identity authentication platform for residents of Hong Kong and Macau, utilizing blockchain and privacy computing technologies [11]