他指出，在数据的帮助下，香港的中小企业融资变得更加便捷、快速且成本更低。随着数据收集效率的 不断提升，香港的金融机构能够进行更加深入的分析，构建企业信用评分模型，精准预测企业的还款能 力，从而建立以数据驱动为核心的贷款审批流程。 余伟文进一步表示，完善的数据基础设施，也有助于企业实时收集和分析数据，帮助其准确预测市场需 求，提前进行战略部署和供应链调整。 据了解，香港金管局正与香港特区政府数字政策办公室、香港商经局合作，计划通过"商业数据 通"与"授权数据交换闸"，对接香港商经局明年逐步上线的"贸易单一窗口"第三阶段服务。届时，用户 可授权向参与银行分享进出口报关单数据，促进贷款审批流程。 21世纪经济报道记者 张伟泽 实习生 王艺之 香港报道 7月28日，香港金管局总裁余伟文在"数据峰会2025"上表示，香港金管局持续致力于提升香港的金融数 字基建，惠及更多中小企业，推动实体经济发展。他认为，香港数字基建正稳步发展，推动银行业和商 贸行业运用新兴科技加快数字化转型，催生更具创新性的商业模式和产品。 中小企业是香港经济的基石，余伟文表示，中小企业占香港企业总数的98%，其中40%的中小企业从事 进出口及批发零 ...

Core Points - The Hong Kong government has published the "Import and Export Ordinance 2025" to technically amend the existing import and export regulations, facilitating the transition to the third phase of the "Single Window" system [1][2] - The "Single Window" aims to streamline the submission of trade documents between businesses and government, enhancing customs clearance efficiency and reinforcing Hong Kong's position as an international trade and logistics hub [1][2] - The third phase will replace the long-standing "Government Electronic Trade Services" and will require businesses to submit relevant trade documents through the "Single Window" [2][3] Summary by Sections Implementation Phases - The "Single Window" is being implemented in three phases, with the first two phases launched in 2020 and 2023, covering 42 types of trade documents [2] - The third phase is the most complex, involving a wide range of stakeholders and a large volume of documents, including import/export declarations and cargo information [2] Features of the Third Phase - Businesses can submit trade documents directly or authorize value-added service providers to do so on their behalf [2] - There is an option for businesses to voluntarily submit import/export declarations and cargo manifests before shipment through the "Single Window" [2] - Electronic submission of road cargo manifests and receipts will reduce operational costs for businesses [2] Transition Arrangements - The revised ordinance includes transitional provisions allowing the third phase to operate alongside the "Government Electronic Trade Services" for a period [3] - The Hong Kong Customs will conduct promotional and training activities to ensure a smooth transition for businesses before the launch of the third phase [3]