大湾区金融“软联通”、冲破跨境信用壁垒的新方案--来自珠海的案例分析

大湾区金融“软联通”、冲破跨境信用壁垒的新方

案--来自珠海的案例分析

徐劲飞

(珠海复旦创新研究院，广东珠海，519000)

摘要:金融“软联通”是粤港澳大湾区从通道互联迈向制度协同过程中不可回避的支撑条件。本文以珠海市信用大数据实验室及其面向港澳居民的信用产品为案例，讨论地方信用基础设施如何回应跨境信用壁垒。研究发现，跨境信用障碍并不只是信息不足造成的，更深层的原因在于制度、数据、场景与责任接口之间尚未形成顺畅衔接。珠海模式通过授权核验、域内建模、标准化信用凭证输出以及多场景反馈，把分散且异构的跨境信用证据转化为可核验、可审计的信用结果。这一机制有助于降低港澳居民在内地融资、创业与消费金融中的材料核验成本，也为普惠金融政策触达、投后风险管理和区域信用生态建设提供了新的治理路径。进一步而言，该模式的推广仍需以统一最小标准、监管沙盒、主体权益保护和责任分担机制为基础。

关键词:粤港澳大湾区;金融软联通;跨境信用;信用大数据;普惠金融

New Solutions for Financial "Soft Connectivity" and Breaking Down Cross-

border Credit Barriers in the Greater Bay Area: A Case Study from Zhuhai

Xu Jinfei

（Zhuhai Fudan Innovation Research Institute, 519000, Zhuhai, Guangdong Province, China)

Abstract: Financial soft connectivity constitutes an institutional condition for the Greater Bay Area to move beyond channel-based interconnection. Taking Zhuhai's credit big-data laboratory and its credit products for Hong Kong and Macao residents as a case, this article examines how local credit infrastructure responds to cross-border credit barriers. The study finds that such barriers are not merelycaused by information scarcity; rather, they arise from weak connections among institutional, data,scenario and accountability interfaces. Through authorized verification, in-domain modelling,standardized credential output and scenario-based feedback, the Zhuhai model translatesheterogeneous credit evidence into verifiable and auditable credit results. The model helps reduce verification costs, supports the implementation of inclusive finance policies, and offers a practical pathway for improving regional credit governance.

Keywords: Greater Bay Area; financial soft connectivity; cross-border credit; credit big data;inclusive finance

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