近日，香港财经事务及库务局联合深圳市地方金融管理局共同发布《关于携手打造港深全球金融科技中 心的行动方案（2025-2027年）》，进一步推动跨境征信领域"北上南下"试点，明确到2027年底，落地 20个以上深港跨境数据验证平台金融领域应用场景。 随着粤港澳大湾区人员往来与经济融合的持续深化，曾以南向为主的深港跨境信贷格局正在重塑，香港 居民北向贷款需求从潜在走向现实。依托跨境征信互通与深港跨境数据验证平台的应用，首批标志性案 例落地为大湾区金融互联互通写下生动注脚。然而，在实践推进过程中，港深两地征信数据标准差异、 贷款产品场景覆盖不足等难题仍待破解，推动这一领域发展的关键在于政策与市场持续协同发力。 ● 本报记者 石诗语 南北双向格局初显 政策推动与市场实践的共振催生了跨境信贷规模的快速增长，也让南北双向格局的发展动能不断增强。 香港金管局副总裁阮国恒在10月召开的跨境征信及数据验证研讨会上表示，通过征信机构协作，配合验 证平台的支持，在信息南向传输方面，香港银行成功获取人民银行信用报告，协助审批了超过2.6亿港 元的贷款，包括企业贷款、个人信贷、房屋按揭等实际场景。在信息北向传输方面，香港业界完成了多 ...

Group 1 - The recent issuance of cross-border consumer loans for Hong Kong residents in Shenzhen marks a significant breakthrough in the Shenzhen-Hong Kong cross-border financial pilot program [1] - The pilot utilizes blockchain technology to efficiently verify credit data of Hong Kong residents, addressing the challenge of cross-border financing due to the lack of credit history in mainland China [1] - Three Hong Kong youths employed in Shenzhen are the first beneficiaries of this new loan initiative [1] Group 2 - A Hong Kong employee from Shenzhen Yati Technology expressed that the previous loan application process was lengthy, but the new system allows for a quick assessment based on Hong Kong data, providing a convenient credit loan option [3] - The head of innovative business at Agricultural Bank of China Qianhai Branch highlighted that the core of this pilot is to resolve data verification bottlenecks in traditional cross-border financial services, making life easier for Hong Kong residents and businesses in Shenzhen [3]

Core Insights - The recent issuance of cross-border consumer loans for Hong Kong residents in Shenzhen marks a significant breakthrough in the Shenzhen-Hong Kong cross-border financial pilot program [1] - The pilot utilizes blockchain technology to efficiently verify credit data of Hong Kong residents, addressing the challenges of cross-border financing due to the lack of credit history in mainland China [1] - The initiative aims to lower the barriers for Hong Kong citizens seeking cross-border financing and plans to expand to other financial services such as cross-border trade settlement and wealth management [1] Group 1 - The pilot program has successfully issued loans to three Hong Kong youths employed in Shenzhen, showcasing the practical benefits of the initiative [1] - The Agricultural Bank of China's Qianhai branch highlighted that the core of the pilot is to resolve data verification bottlenecks in traditional cross-border financial services through blockchain technology [1] - The program is designed to provide convenient, inclusive, and efficient financial services for Hong Kong residents and enterprises in Shenzhen, eliminating the hassle of traditional proof requirements [1] Group 2 - The cross-border data verification platform for Hong Kong residents sets a precedent for the verification of credit data across borders, enhancing the accessibility of financial services [1] - Future expansions of the platform are expected to involve more financial institutions, thereby broadening the scope of services available to users [1] - The pilot represents a significant step towards integrating financial services between Hong Kong and mainland China, fostering economic collaboration [1]