內地與香港深化數字人民幣跨境試點,眾安銀行成獲接入的首家香港虛擬銀行
近日,中國人民銀行和香港金融管理局推出深化內地和香港金融合作的六項舉措,進一步優化金融服務,加強金融合作,助推香港國際金融中心進一步發展。其中明確提出深化數字人民幣跨境試點。數字人民幣跨境支付試點項目場景涵蓋內地赴港人士使用數字人民幣在香港商户消費、香港用户通過香港“轉數快”(Fast Payment System)系統拉起香港本地銀行掌銀APP兑換數字人民幣、數字人民幣錢包在兩地線下線上商家消費支付等,並結合港人支付習慣,在大灣區推出數字人民幣硬錢包,豐富港人北上消費的支付選擇。在此基礎上,數字貨幣研究所與香港金管局將從多方面進一步深化試點合作。其中包括引入更多參與運營機構及香港本地銀行,為用户提供更加便利的應用條件。據悉,眾安銀行是數字人民幣接入的第一家香港虛擬銀行。公開資料顯示,眾安銀行(ZA Bank)是香港目前規模最大的數字銀行,也是業務最全面的虛擬銀行。除了基本的存款、貸款和轉帳服務外,亦涵蓋商業銀行、卡支付、跨境匯入匯款、投資及保險。數字人民幣預計將在香港擴大試點範圍,屆時更多香港市民將可便捷開立和使用數幣錢包,並透過轉數快為其數幣錢包增值。這將可以便利需要在內地生活、消費的香港居民在內地支付:內地遊客也可以在港使用數字人民幣消費,為粵港澳大灣區“一小時生活圈”提供支付配套。
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