中信银行"跨境支付通"产品24日正式上线。该产品基于人民银行网上支付跨行清算系统（IBPS）与境外 快速支付系统互联互通，中信银行作为参与行接入IBPS，为中信银行个人客户提供实时跨境资金划转 服务。 中信银行有关负责人表示，"跨境支付通"历时数月完成系统建设与功能打磨，支持内地与香港银行账户 间汇出、汇入双向快速汇款，具有操作简便、快速到账、支持手机号码收款等便捷特性，进一步提升了 中信银行个人跨境金融服务能力，是中信银行积极落实内地与香港地区快速支付系统互联互通要求的重 要举措。 据介绍，"跨境支付通"整合多项核心优势，为客户提供快速、便捷、安全的跨境支付体验。汇出业务支 持个人通过中信银行手机银行办理，操作简便，汇款资金实时入账；汇入业务支持客户手机号码收款， 手机银行申报全天可用，柜面亦可辅助办理。同时，中信银行跨境支付通业务以严密风控为基石，通过 严格执行客户身份识别与信息保护，落实反洗钱等合规要求，结合反诈识别机制动态调整防控策略，确 保业务合规开展。 （文章来源：新华财经） ...

版权声明 证券时报各平台所有原创内容，未经书面授权，任何单位及个人不得转载。我社保留追 究相关 行 为主体 法律责任的权利。 在11月18日举办的第二十届中国经济论坛平行论坛——2025大湾区科技与金融创新发展大会上，证券时报社党 委书记、社长兼总编辑程国慧代表主办方致辞，深入剖析科技与金融深度融合的时代逻辑与探索实践。 程国慧指出，南沙是粤港澳大湾区这片热土上一颗冉冉升起的璀璨新星，依托得天独厚的区位优势，叠加国家 战略赋能，形成了人工智能、生物医药、高端装备等新兴产业企业集群，成为连接港澳、辐射全国、面向世界 的重要门户，为科技与金融的深度融合提供了广阔舞台。 科技创新是高质量发展的核心驱动力。党的二十届四中全会公报多次提及"科技""创新"和"新质生产力"，并鲜 明提出"加快高水平科技自立自强"的战略目标。程国慧指出，这些都充分彰显党中央对科技创新的高度重视， 也预示着"十五五"时期，我国将以更大力度推动科技引领经济发展，坚定"抢占科技制高点"的战略决心。此 外，政策层面明确要求构建与科技创新相适配的科技金融体系，则为二者的深度融合指明了清晰方向。 作为中国式现代化的关键施工图，"十五五"规划承载着实现中 ...

科技创新是高质量发展的核心驱动力。党的二十届四中全会公报多次提及"科技""创新"和"新质生产 力"，并鲜明提出"加快高水平科技自立自强"的战略目标。程国慧指出，这些都充分彰显党中央对科技 创新的高度重视，也预示着"十五五"时期，我国将以更大力度推动科技引领经济发展，坚定"抢占科技 制高点"的战略决心。此外，政策层面明确要求构建与科技创新相适配的科技金融体系，则为二者的深 度融合指明了清晰方向。 作为中国式现代化的关键施工图，"十五五"规划承载着实现中华民族伟大复兴的历史使命。程国慧指 出，当前百年变局加速演进，新一轮科技革命和产业变革向纵深推进，科技与金融创新如同车之两轮、 鸟之两翼，亟须形成双向奔赴、共生共荣的良性互动。 （原标题：证券时报社党委书记、社长兼总编辑程国慧：科技与金融创新 是互促共进的"双螺旋"） 证券时报记者 卓泳 在11月18日举办的第二十届中国经济论坛平行论坛——2025大湾区科技与金融创新发展大会上，证券时 报社党委书记、社长兼总编辑程国慧代表主办方致辞，深入剖析科技与金融深度融合的时代逻辑与探索 实践。 程国慧指出，南沙是粤港澳大湾区这片热土上一颗冉冉升起的璀璨新星，依托得天独厚的区 ...

人民财讯11月18日电，11月18日，第二十届中国经济论坛平行论坛——2025大湾区科技与金融创新发展 大会在广州南沙隆重举行。证券时报社党委书记、社长兼总编辑程国慧在致辞中指出，科技与金融创新 从来不是两条平行线，而是相互缠绕上升的"双螺旋"。纵观全球湾区，旧金山以"风投+硅谷"模式崛 起，纽约凭借"华尔街+东岸科创走廊"长青，东京借"银团贷款+高端制造"称雄。粤港澳大湾区要乘势而 上，金融血液浸润科技骨骼必将会形成完美的"量子纠缠"状态。目前，大湾区跨境金融业务加速推进， 为科技金融发展注入新动能。横琴、前海、南沙、河套四大合作平台持续发力，形成了覆盖面广、协同 高效的跨境金融政策体系。从"跨境支付通""互换通""债券通"到"跨境理财通""双Q"试点等一系列创新 产品与机制，不断打通资金跨境流动堵点，为大湾区科创企业对接全球资源、深化国际合作提供了有力 支撑。 ...

广发银行持续强化对体育产业的信贷支持，助力夯实强国建设根基。精准落实服务业经营主体贷款贴息 政策，重点支持体育领域，开通绿色通道，推动加快相关企业贴息申请进度，自今年3月以来，累计向 体育领域发放相关贷款2.7亿元，全力支持改善体育类消费基础设施、提升服务供给能力。 支持赛事基础设施建设，广发银行积极支持体育领域重大工程、重大项目建设。其中，为全运会省属场 馆"广东射击馆""黄村体育训练中心综合训练馆"改扩建等重点项目开立保函近6000万元，保障工程顺利 推进。面向体育装备生产企业，创新推出"商票持票人保贴"产品，助力某中国500强体育龙头企业实现 票据随到随贴，累计办理贴现达15亿元。 珠江潮涌，运动盛会点亮大湾区；健儿齐聚，体育激情燃动南粤。作为唯一一家实现粤港澳大湾 区"9+2"城市全覆盖的股份制商业银行，广发银行深度融入全运会赛事，主动将金融服务与体育强国战 略紧密衔接，充分发挥区位资源优势，全方位、多维度为活力大湾区注入金融动能。 支持体育产业发展夯实强国建设基础 创新推出粤港澳大湾区社保一卡通，围绕"硬联通""软联通""心联通"系统提升跨境服务体验。在交 通"硬联通"上，持卡人可一卡畅行内地330 ...

Core Viewpoint - The financial market connectivity in the Guangdong-Hong Kong-Macao Greater Bay Area is continuously deepening, driven by reforms and opening up, enhancing international competitiveness and attracting global financial institutions [1][2][3]. Financial Market Connectivity - As of September 2025, the cumulative transaction amount of the "Shenzhen-Hong Kong Stock Connect" reached 125 trillion yuan, with the Shenzhen Stock Connect becoming the main channel for foreign investment in A-shares [2]. - The "Cross-Border Wealth Management Connect" has expanded, with a scale exceeding 120 billion yuan, and has seen a significant increase in participation from individual investors [7][9]. Internationalization of Financial Institutions - Domestic banks are actively establishing international operations, with WeBank's subsidiary, WeBank Technology, expanding into markets like Hong Kong and Southeast Asia, and engaging with over 20 partners with intentions exceeding hundreds of millions of dollars [4]. - Local commercial banks, such as Dongguan Bank, are also leveraging Hong Kong as a base for international expansion [5]. Securities Industry Developments - The securities industry is optimistic about the upcoming "Cross-Border Wealth Management Connect 3.0," which is expected to expand its reach beyond the Greater Bay Area to major cities like Beijing and Shanghai [10]. - Several securities firms have increased their capital in Hong Kong subsidiaries, with notable investments from companies like GF Securities and First Capital Securities [11][12]. Cross-Border Insurance Services - The cross-border insurance services are improving, with policies supporting the development of innovative products like cross-border medical insurance [13][15]. - By mid-2023, cross-border vehicle insurance had provided coverage for 90,300 vehicles, and health insurance services had reached over 150,000 individuals [14][15]. Upcoming Events - The 20th China Economic Forum will take place on November 18 in Nansha, focusing on the integration of technology and finance, with participation from government departments, listed companies, and financial institutions [19].

Group 1: Financial Market Connectivity - The financial market connectivity in the Guangdong-Hong Kong-Macao Greater Bay Area is deepening, driven by reforms and opening up, with a cumulative transaction amount of 125 trillion yuan for the "Shenzhen-Hong Kong Stock Connect" by September 2025 [1] - The "Cross-Border Wealth Management Connect" has expanded, with a scale exceeding 120 billion yuan, indicating a growing cross-border financial service market [1] Group 2: International Competitiveness - Three financial center cities in the Greater Bay Area have entered the top ten in the Global Financial Centers Index (GFCI 38), reflecting an increase in international competitiveness [1] - The Greater Bay Area's financial industry is recognized for its large scale, comprehensive elements, and high degree of internationalization, positioning it among the global leaders [1] Group 3: Cross-Border Banking Initiatives - The establishment of WeBank's technology company in Hong Kong marks a significant step for domestic banks in international markets, with over 20 partnerships and intentions exceeding hundreds of millions of dollars [2] - Local banks are actively expanding their international presence, with Dongguan Bank's subsidiary opening in Hong Kong and other global financial institutions increasing their footprint in the Greater Bay Area [3] Group 4: Cross-Border Wealth Management - The "Cross-Border Wealth Management Connect" 2.0 has seen a 120% increase in participating individual investors compared to its previous version, indicating strong market response [4] - Securities firms are optimistic about the upcoming "Cross-Border Wealth Management Connect" 3.0, which is expected to expand beyond the Greater Bay Area to major cities like Beijing and Shanghai [5] Group 5: Cross-Border Insurance Services - The cross-border insurance services are improving, with over 90,000 vehicles insured under the "equivalent recognition" policy and health insurance serving over 150,000 individuals [7] - The insurance sector is actively developing cross-border products, with significant growth in new policies from mainland visitors to Hong Kong, reflecting a robust demand for cross-border insurance solutions [8] Group 6: Investment and Growth in the Greater Bay Area - China Taiping reported an investment scale of 120.3 billion HKD in the Greater Bay Area, highlighting the financial commitment to regional development [9] - The upcoming "2025 Greater Bay Area Technology and Financial Innovation Development Conference" aims to foster collaboration between technology and finance sectors, promoting sustainable growth in the region [13]

Group 1: Financial Market Connectivity - The financial market connectivity in the Guangdong-Hong Kong-Macao Greater Bay Area is deepening, driven by reforms and opening up, with a cumulative transaction amount of 125 trillion yuan for the "Shenzhen-Hong Kong Stock Connect" by September 2025 [1] - The "Cross-Border Wealth Management Connect" has expanded, with a scale exceeding 120 billion yuan, indicating a growing cross-border financial service market [1] - Three financial center cities in the Greater Bay Area have entered the top ten in the global fintech rankings, showcasing the area's increasing international competitiveness [1] Group 2: International Expansion of Banks - Domestic banks are establishing a presence abroad, with WeBank's subsidiary, WeBank Technology, expanding into markets like Hong Kong, Indonesia, Malaysia, and Thailand, and negotiating over 20 partnerships worth several hundred million dollars [2] - Dongguan Bank's subsidiary, Wan Yin International, has opened in Hong Kong, marking a significant step for city commercial banks in internationalization [3] - Global financial institutions are increasing their presence in the Greater Bay Area, with HSBC and Fubon Bank establishing new offices and Santander Bank receiving approval for its Shenzhen branch [3] Group 3: Cross-Border Wealth Management - The "Cross-Border Wealth Management Connect" 2.0 has seen over 160,000 individual investors participating, a 120% increase compared to version 1.0 [4] - The expansion of participating institutions to include securities companies is a significant change in the 2.0 version, with 14 securities firms approved for pilot operations [5] - Securities firms are optimistic about the upcoming 3.0 version, which is expected to expand to major cities beyond the Greater Bay Area, addressing strong overseas investment demand [5] Group 4: Cross-Border Insurance Services - Cross-border insurance services are improving, with policies supporting the development of cross-border medical insurance and vehicle insurance [7] - By mid-2023, cross-border vehicle insurance provided coverage for 90,300 vehicles from Hong Kong and Macao, while health insurance served over 150,000 individuals [8] - China Taiping reported an investment scale of 120.3 billion HKD in the Greater Bay Area, indicating strong engagement in cross-border insurance [9]

Core Viewpoint - The financial market connectivity in the Guangdong-Hong Kong-Macao Greater Bay Area is continuously deepening, driven by reforms and opening up, enhancing international competitiveness and collaboration among financial institutions [1][2][3]. Financial Market Connectivity - As of September 2025, the cumulative transaction amount of the "Shenzhen-Hong Kong Stock Connect" is 125 trillion yuan, with the Shenzhen Stock Connect becoming the main channel for foreign investment in A-shares, while the Hong Kong Stock Connect injects liquidity into the Hong Kong market [2]. - The "Cross-Border Wealth Management Connect" has expanded, with a scale exceeding 120 billion yuan, and has seen a significant increase in participation from individual investors [9]. Internationalization of Financial Institutions - Domestic and foreign banks are increasingly engaging in mutual cooperation, exemplified by WeBank's establishment of WeBank Technology in Hong Kong, which has expanded its reach to multiple markets and engaged over 20 partners with intentions exceeding hundreds of millions of dollars [5][6]. - Global financial institutions are intensifying their presence in the Greater Bay Area, with HSBC and Fubon Bank establishing new offices and Santander Bank receiving approval for its Shenzhen branch [6][7]. Securities Industry Developments - The "Cross-Border Wealth Management Connect" 2.0 has seen over 160,000 individual investors participating, marking a growth of over 120% compared to version 1.0 [9][10]. - Securities firms are optimistic about the upcoming "Cross-Border Wealth Management Connect" 3.0, which is expected to expand beyond the Greater Bay Area to major cities like Beijing and Shanghai [10]. - Guangdong-based securities firms are increasing their investments in Hong Kong subsidiaries to build a second growth curve, with notable investments from firms like GF Securities and First Capital Securities [10][12]. Cross-Border Insurance Services - The cross-border insurance services are improving, with policies supporting the development of cross-border medical insurance and vehicle insurance [14][15]. - As of mid-2023, cross-border vehicle insurance has provided coverage for 90,300 vehicles, and health insurance has served over 150,000 individuals [14][15]. - Insurance institutions are establishing operations in the Greater Bay Area to enhance international business, with companies like PICC Hong Kong and China Taiping actively participating in regional development [16]. Upcoming Events - The 20th China Economic Forum will take place on November 18 in Nansha, focusing on the integration of technology and finance, with over 200 representatives from government, listed companies, and financial institutions expected to attend [20].

Core Insights - The Hong Kong Financial Secretary highlighted the significant growth potential in international gold trading as a new growth area [1] - A memorandum of cooperation will be signed with Shenzhen to create a deeply integrated regional gold trading ecosystem [1] - Financial technology is also identified as a key growth point, with plans to enhance collaboration in this sector between Hong Kong and Shenzhen [1] Group 1 - The establishment of the Shenzhen-Hong Kong Financial Cooperation Committee has led to notable progress in deepening financial cooperation between the two regions [1] - Hong Kong is optimizing its listing approval processes and has introduced a "Tech Company Fast Track" to assist mainland tech firms in raising funds [1] - Shenzhen is positioned as a core engine of innovation, attracting internationally viable enterprises that can benefit from Hong Kong's professional services [1] Group 2 - Mechanisms like "Stock Connect," "Bond Connect," and "Wealth Management Connect" have seen significant growth since their launch, with "Wealth Management Connect 2.0" showing an eightfold increase in cross-border remittance amounts compared to its predecessor [2] - The introduction of "Cross-Border Payment Connect" facilitates rapid payment system connectivity between the mainland and Hong Kong, addressing the needs of residents in the Greater Bay Area [2] - The Financial Secretary emphasized the need to optimize existing connectivity mechanisms and explore innovative products to enhance investor choices and support the opening of the national financial market [2]