香港：香港金融管理局在金融科技周推出多项举措 转数快年底前联通银联
中国香港金融管理局11月2日在香港金融科技周2026开幕之际发布声明，推出一系列涵盖代理式超级智能（SI）、后量子密码、代币化结算与跨境支付的举措。第十一届香港金融科技周由香港金融管理局与投资推广署合办，汇聚全球参与者交流见解、展示创新与促进商务合作。
代理金融方面，香港金融管理局推出「Project SAGE」计划（以治理与赋能保障代理金融安全），支持业界探索代理式金融应用并建立治理框架；同时成立跨界别的代理金融专家组，并发布关于银行使用代理式超级智能的讨论文件，就治理方面的监管考虑征求业界意见。
为银行业迎接量子时代作准备，香港金融管理局与香港科技大学在业界参与者支持下推出后量子密码（PQC）工具包，为银行迁移至后量子密码提供结构化框架与实用工具，并将随标准与实施实践成熟而持续完善。
代币化金融方面，香港金融管理局已把 Ensemble TX 推进到新阶段，可实现全天候真实价值交易，以支持资金的动态全球配置、代币化资产组合管理与财资运作；该局已完成由认可交易商进行代币化外汇基金票据二级市场交易的试行交易，并将很快把试验扩大到受监管的稳定币。该局还与数码港合作推出 tConnect Launchpad，连接金融机构、科技公司与数字资产创新者。支付方面，「转数快」将于今年年底前与银联国际联通，逐步让用户在香港、中国内地及40多个海外市场的逾1亿商户扫码付款。香港金融管理局总裁余伟文说，在「金融科技2030」策略下，银行与金融科技公司能更好地运用数据、超级智能与代币化；这些举措建立在该局 DART 框架的四大支柱之上：数据与支付、超级智能、韧性与代币化。
Hong Kong: HKMA Unveils Fintech Initiatives at FinTech Week, Faster Payment System to Link UnionPay by Year-End
The Hong Kong Monetary Authority (HKMA) of China issued a statement on November 2, as Hong Kong FinTech Week 2026 opened, unveiling a set of initiatives spanning agentic super intelligence (SI), post-quantum cryptography, tokenised settlement and cross-border payments. The HKMA co-organised the 11th edition of Hong Kong FinTech Week with Invest Hong Kong, bringing together participants from around the world to exchange insights, showcase innovation and foster business partnerships.
On agentic finance, the HKMA launched Project SAGE, or Securing Agentic Finance with Governance and Enablement, to support the industry's exploration of agentic finance applications while establishing a governance framework. It also set up a cross-sectoral Agentic Finance Expert Group and published a discussion paper on the use of agentic SI by banks, seeking industry feedback on supervisory considerations for governance.
To prepare the banking sector for the quantum era, the HKMA and the Hong Kong University of Science and Technology, with support from industry participants, launched a PQC Toolkit for post-quantum cryptography, designed to provide a structured framework and practical tools to guide banks through their transition to PQC, and which will continue to evolve as standards and implementation practices mature.
On tokenised finance, the HKMA said it has advanced Ensemble TX to a new stage, enabling 24/7 real-value transactions, intended to support dynamic global allocation of funds, management of tokenised asset portfolios and treasury operations. It has completed trial trades involving Recognised Dealers conducting secondary market transactions in tokenised Exchange Fund Bills, and will soon expand the trials to regulated stablecoins. In partnership with Cyberport, the HKMA also launched tConnect Launchpad to connect financial institutions, technology firms and digital asset innovators. On payments, the Faster Payment System will link with UnionPay International by the end of this year, progressively allowing users to pay by scanning QR codes at more than 100 million merchants across Hong Kong, the Chinese mainland and more than 40 overseas markets. HKMA Chief Executive Eddie Yue said Hong Kong is well placed to capitalise on new growth opportunities in fintech, and that banks and fintech firms can better harness data, SI and tokenisation under the city's Fintech 2030 strategy. The announcements build on the four strategic pillars of the HKMA's DART framework: Data and Payment, Super Intelligence, Resilience and Tokenisation.
来源：GSM·美国（原文链接）
图片来源：照片：中国香港维多利亚港高楼群，Wilfredor 摄，Wikimedia Commons，CC0 授权 / Photo: Victoria Harbour skyscrapers in Hong Kong, China, by Wilfredor, Wikimedia Commons, CC0
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