香港最高银行监管机构呼吁该市金融体系加大创新力度，以帮助解决实体经济的“痛点”，因为香港正与中国内地及亚太合作伙伴携手，应对一系列可持续发展、地缘政治及其他挑战。
Hong Kong’s top banking regulator has called for greater innovation in the city’s financial system to help address “pain points” in the real economy, as the city works with mainland Chinese and Asia-Pacific partners to navigate a host of sustainability, geopolitical and other challenges.
“金融领域真正的创新，不仅仅是追求新奇；而是将传统金融工具转化为高效的解决方案，”香港金融管理局（金管局）总裁余伟文在周四举行的亚太金融论坛主题演讲中表示。
“True innovation in finance is not simply about chasing novelty; it’s about transforming conventional financial tools into efficient solutions,” said Eddie Yue Wai-man, chief executive of the Hong Kong Monetary Authority (HKMA).
“香港将推动这一前沿领域发展，我们要确保这种转型也能为实体经济带来实实在在的价值，”他补充道。
“Hong Kong is set to push this frontier, and we want to ensure that this transformation brings tangible value also for the real economy,” he added during a keynote speech at the Asia-Pacific Financial Forum on Thursday.
此番言论发表之际，香港正致力于巩固其国际金融中心地位，以及连接中国内地与世界其他地区的“超级联系人”角色。
The comments come at a time when the city is trying to consolidate its status as an international financial centre and a superconnector linking mainland China with the rest of the world.
余伟文强调了香港在可持续与韧性金融方面的区域领导地位，以及迫在眉睫的资金缺口——例如，大湾区（GBA）未来四十年将需要近2万亿美元投资，才能按计划在2060年实现碳中和。
Yue highlighted Hong Kong’s regional leadership in sustainable and resilient finance and a looming funding gap – the Greater Bay Area (GBA), for instance, will require almost US$2 trillion of investment over the next four decades to reach carbon neutrality by 2060 as planned.
“在香港，我们努力发挥所长，即调动资本并将其引导至最需要的地方，”他说，并援引该市不断增长的绿色债券发行量为例。
“In Hong Kong, we try to do what we do best, which is to mobilise capital and direct it where it’s needed most,” he said, citing the city’s growing green bond issuance.
他还指出，金管局的商业数据互换平台是这方面的一项关键举措。他解释说：“通过整合公共和私营数据，我们帮助银行利用替代信息来源进行信用评估，而不必仅依赖抵押品发放贷款。”
He also pointed to HKMA’s Commercial Data Interchange as a key initiative on this front. By integrating public and private data, “we help banks leverage alternative sources of information for credit assessment instead of just relying on collateral for their loans,” he explained.
“单一经济体、单一企业，当然也包括单一监管机构，都无法独自应对所有这些挑战，”香港金融管理局总裁余伟文表示。
No single economy, no single business and certainly no single regulator can address all these challenges aloneEddie Yue Wai-man, Hong Kong Monetary Authority Yue pledged to make trade finance – a backbone of the global economy under threat from rising geopolitical tensions – more accessible for businesses, especially small and medium-sized enterprises, calling it “a mission with high priority for us”.
余伟文承诺，将致力于让贸易融资——这一全球经济的支柱、正因地缘政治紧张局势升级而面临威胁的领域——更易于企业获取，尤其是中小企业，并称其为“我们的高优先级使命”。
The HKMA chief executive also advocated for more partnerships between the public and private sectors across the Greater Bay Area, mainland China and the Asia-Pacific region at large.
这位金管局总裁还倡导在大湾区、中国内地以及整个亚太地区，建立更多公私部门合作伙伴关系。
“No single economy, no single business and certainly no single regulator can address all these challenges alone,” he said.
在随后的小组讨论中，世界经济论坛董事总经理马修·布莱克表示，全球经济日益加剧的碎片化——由产业政策、关税、制裁、投资指令等引发——已导致约2000亿至3000亿美元的生产力损失。
Speaking at a subsequent panel, Matthew Blake, managing director at the World Economic Forum, said the growing fragmentation of the global economy – brought about through industrial policies, tariffs, sanctions, investment mandates and more – had led to about US$200 billion to US$300 billion in lost productivity.
“这就是我们的新运营现实，”布莱克警告说，并补充道，“大湾区，特别是香港的机遇，在于驾驭这一新环境，并继续保持作为各方连接力量的角色。”
“That is our new operating reality,” Blake warned, while adding that “the opportunity for the Greater Bay Area, and Hong Kong in particular, is to navigate this new environment and remain a connecting force between parties.”
渣打银行香港人民币国际化业务主管吴嘉琳在小组讨论中表示，区域合作也将有助于推动中国货币人民币（RMB）的海外使用。
Regional cooperation would also help push the overseas use of China’s currency, the renminbi (RMB), said Karen Ng, head of yuan internationalisation at Standard Chartered Bank in Hong Kong, during the panel discussion.
“从人民币国际化的角度来看，大湾区是一个非常天然的版图……可以优化协同效应，”她说。“[该地区应]继续发展并加速资本、投资、人员和人才的双向流动。”
“From the RMB internationalisation perspective, the Greater Bay Area is a very natural landscape … where synergies can be optimised,” she said. “[The region should] continue to develop and accelerate the two-way flow of capital, investments, people and talents.”