香港聯手上海政府!打造跨境區塊鏈平台,推動數位貿易與eBL試點

RWA-0,99%

HKMA 與上海簽 MoU 推動 Project Ensemble,整合 1.5 兆美元貿易融資市場,並同步完善穩定幣與稅制架構。

滬港金融科技深度協作,Project Ensemble 引領跨境貿易數位化轉型

香港金融管理局(HKMA)於本週一(3/2)宣佈一項重大進展,**正式與上海市數據局(SDB)以及國家區塊鏈技術創新中心(NTICBC)簽署合作備忘錄(MoU)。**這項合作深化香港與上海兩地在貨物貿易與金融數位化產業的協作,雙方共同研究運用區塊鏈技術建構一個強大的「跨境平台」。該計劃納入香港金管局於 2024 年啟動的 Project Ensemble 架構,重點探索代幣化市場基礎設施以及為金融服務打造的新型數位軌道。

根據協議內容,三方機構針對貿易數據互聯、電子提單(eBL)以及金融應用等關鍵產業進行聯合研究,嘗試透過技術手段解決長期以來困擾貿易產業的痛點。

此舉象徵著香港與上海在數位創新產業的合作邁入里程碑,雙方計劃開發能夠連結兩座城市的數位基礎設施。

香港金管局副總裁李達志(Howard Lee)指出,這項倡議促進中國大陸貿易數據與全球系統的接軌,並利用香港作為國際金融中心與「超級聯繫人」的獨特優勢,推動創新的數位應用。

整合 CDI 與 CargoX 基礎設施,消除 1.5 兆貿易融資摩擦

為了提升跨境金融的效率,該平台整合香港金管局現有的區塊鏈金融數據基礎設施,即商業數據交換平台(Commercial Data Interchange, CDI)。商業數據交換平台自 2022 年推出以來,一直致力於讓金融機構在獲得企業授權的前提下,獲取其商業營運數據以簡化貸款流程。

此次滬港合作進一步延伸該系統的應用場景,引進 Project CargoX 的開發成果。CargoX 作為基於 CDI 構建的倡議,專門強化用於融資及相關服務的貿易數據處理能力,透過區塊鏈技術確保數據的真實性與不可篡改性。

**目前全球年度貨物融資市場規模高達 1.5 兆美元,然而繁瑣的紙本作業、碎片化的數據結構以及人工驗證流程,經常導致嚴重的融資延誤甚至引發詐欺風險。**透過電子提單與區塊鏈技術的導入,銀行與金融機構能大幅縮短處理時間與運作成本。

上海市數據局局長邵軍表示:「這項合作是實現數據驅動與創新驅動發展的重要一步,雙方致力於建立一個安全、高效且開放的數位基礎設施,讓原本分散在各個環節的貨運數據轉化為具備金融價值的信用參考。」

香港數位資產政策雙軌並行,稅務豁免與穩定幣規管齊發

在推動貿易數位化的同時,香港政府亦在另一條政策路徑上加速前行,致力於提升其作為數位資產中心的競爭力。財經事務及庫務局局長許正宇於週一的立法會財經事務委員會會議上提出一項關鍵提案,**計劃將數位資產納入投資基金與家族辦公室的合資格投資範圍,並提供相應的稅務豁免。**若該提案獲得通過,未來這類結構下持有的數位資產利潤具備免稅資格。此舉吸引更多海外資本進駐香港,強化其在 Web3 產業的全球吸引力。

此外,香港對於數位資產的監管架構趨於成熟。香港金管局預計根據新的《穩定幣條例》批准首批穩定幣發行商。**根據法規要求,獲准營運的公司必須發行由港元支持的穩定幣,並實施嚴格的安全防範措施,包括 100% 的資產抵押儲備、將客戶資金存放在獨立的信託帳戶中,以及嚴格遵守反洗錢(AML)規定。**發行商還必須具備至少 2,500 萬的股本,並在香港設立實體辦事處。證券及期貨事務監察委員會(SFC)自 2023 年起便針對代幣化現實世界資產(RWA)提供清晰指引,為 2026 年的市場全面發展奠定法規基礎。

展望 2026 機器經濟時代,區塊鏈從試點走向實體經濟核心

隨著技術與法規的雙重成熟,區塊鏈在 2025 年經歷了從單純的市場熱點向基本面與實際收入轉型的關鍵期。產業專家指出,2026 年是機器經濟(Machine Economy)嶄露頭角的一年。在這一趨勢下,機器設備、自動化代理人與機器人開始在鏈上進行交易與協作。香港目前已有機器人正式投入生產線並領取鏈上記錄的獎勵,這類實體 AI 與區塊鏈的結合,正逐漸改變全球供應鏈與治理模式。

香港透過與上海的貿易數據聯通,嘗試將區塊鏈從單純的金融實驗轉變為核心的跨境基礎設施。這種策略將數位資產的影響力從主權債券代幣化與虛擬貨幣市場,擴散至實體經濟中運作最為繁重的貨物融資產業。這不僅將香港更深地嵌入中國大陸的供應鏈體系,同時也為國際投資人與銀行提供一個符合規範的管道來接觸中國貿易數據。在政策補貼、稅務優化與基礎設施完善的共同作用下,香港正逐步實踐其作為全球數位創新實驗室的宏大願景。

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