由區塊鏈，數字資產和AI驅動，香港的金融科技領域正在迅速擴展

香港金融技術（Fintech）行業正在迅速擴展，區塊鏈，數字資產和人工智能（AI）推動了其增長。

Hong Kong's financial technology (fintech) sector is expanding rapidly, driven by a strong focus on blockchain, digital assets, and artificial intelligence (AI). A new report by InvestHK, a government agency that attracts foreign investments into Hong Kong, reveals a 250% surge in blockchain-related businesses in the past year.

香港的金融技術（Fintech）行業正在迅速擴展，這是由於對區塊鏈，數字資產和人工智能（AI）（AI）的強烈關注。 Investhk的一份新報告是一家吸引外國投資香港投資的政府機構，顯示過去一年中與區塊鏈相關的企業的增長250％。

Hong Kong Fintech Market to Hit $606 Billion by 2032

到2032年，香港金融科技市場將達到6060億美元

The fintech market in Hong Kong is expected to reach $606 billion by 2032, with an anticipated annual growth rate of 28.5% from 2024 to 2032. The industry’s swift recovery from the pandemic is noteworthy, and it is poised for sustained growth in the coming years.

預計到2032年，香港的金融科技市場預計將達到606億美元，預計從2024年到2032年，年增長率為28.5％。該行業從大流行中迅速恢復，這是值得注意的，並且在未來幾年中有望持續增長。

A key factor in Hong Kong's fintech expansion is the government's policies to encourage Web3 development, foster innovation in digital assets, and introduce a structured licensing system for cryptocurrency exchanges.

香港金融科技擴張的關鍵因素是政府鼓勵Web3開發，促進數字資產創新並引入加密貨幣交換的結構化許可系統的政策。

As of the first quarter of 2024, Hong Kong is home to more than 1,100 fintech companies. Among them, 175 businesses focus on blockchain applications, while 111 companies specialize in digital assets and cryptocurrencies. These numbers showcase a 250% rise in blockchain companies and a 30% increase in digital asset firms since 2022.

截至2024年第一季度，香港擁有1100多家金融科技公司。其中，有175家企業專注於區塊鏈應用程序，而111家公司專門從事數字資產和加密貨幣。這些數字顯示區塊鏈公司增長了250％，自2022年以來數字資產公司增長了30％。

The government's commitment to Web3 development has been crucial in attracting businesses. Hong Kong now has a stable business environment thanks to licensing regulations for crypto exchanges and financial technology firms.

政府對Web3開發的承諾對於吸引企業至關重要。由於對加密技術和金融技術公司的許可法規，香港現在擁有穩定的商業環境。

Talent Shortage and Funding Remain Key Challenges

人才短缺和資金仍然是主要挑戰

Despite the rapid growth of the fintech industry, companies in Hong Kong face several challenges. A survey conducted by InvestHK, which gathered responses from 130 fintech firms, identified a shortage of skilled talent as the biggest obstacle.

儘管金融科技行業迅速增長，但香港的公司仍面臨一些挑戰。 InvestHK進行的一項調查收集了130家金融科技公司的回應，認為缺乏熟練人才是最大的障礙。

Nearly 58.8% of respondents cited difficulty in finding qualified professionals, particularly in areas such as blockchain development, AI-driven finance, and cybersecurity. This shortage of talent could hinder the industry's ability to sustain its momentum.

將近58.8％的受訪者引用了尋找合格的專業人員的困難，尤其是在區塊鏈開發，AI驅動的融資和網絡安全等領域。這種人才短缺可能會阻礙行業維持其勢頭的能力。

Another major challenge highlighted by the survey is limited access to funding, with 43.9% of companies struggling to secure investment or financial backing.

調查強調的另一個主要挑戰是獲得資金的機會有限，有43.9％的公司努力確保投資或財務支持。

While Hong Kong provides a strong regulatory framework for fintech, smaller startups may find it difficult to raise capital on a large scale to expand their operations. Smaller fintech companies in Hong Kong are largely focused on regional markets within Asia.

儘管香港為金融科技提供了強大的監管框架，但較小的初創公司可能會發現很難大規模籌集資金以擴大其運營。香港較小的金融科技公司主要集中在亞洲境內的區域市場上。

Addressing these concerns—specifically the talent shortage and funding difficulties—will be essential for maintaining Hong Kong's position as a leading global fintech hub.

解決這些擔憂（特別是人才短缺和資金困難）對於保持香港作為全球領先的金融科技樞紐的地位至關重要。

Artificial Intelligence Leading Hong Kong Fintech Sector

人工智能領導香港金融科技領域

Artificial intelligence is currently the most dominant area within Hong Kong's fintech sector. According to the report, 73% of fintech companies focus on AI applications. AI-powered tools are transforming financial services, enabling automation, fraud detection, and more efficient risk management.

人工智能目前是香港金融科技領域中最主要的領域。根據該報告，有73％的金融科技公司專注於AI應用程序。 AI驅動的工具正在改變金融服務，實現自動化，欺詐檢測和更有效的風險管理。

In comparison, 41.5% of fintech firms are involved in digital assets and cryptocurrency. These firms are at the forefront of developing new technologies for managing, trading, and integrating digital assets into financial systems.

相比之下，有41.5％的金融科技公司參與數字資產和加密貨幣。這些公司處於開髮用於管理，交易和將數字資產集成到金融系統中的新技術的最前沿。

Hong Kong Benefits From China’s ‘One Country, Two Systems’ Policy

香港從中國的“一個國家，兩個系統”政策中受益

One of Hong Kong's biggest advantages is its ability to operate under China's "one country, two systems" policy. This framework allows Hong Kong to maintain a free-market economy, capitalizes on the Pearl River Delta's economic might, enjoys unrestricted capital flow, and sustains strong global trade relations.

香港最大的優勢之一是它在中國“一個國家，兩個系統”政策下運作的能力。該框架使香港能夠維持自由市場的經濟，利用珍珠河三角洲的經濟能力，享有不受限制的資本流動，並維持強大的全球貿易關係。

This unique position has enabled Hong Kong to roll out several key initiatives in Web3. The government has introduced clear regulatory guidelines and licensing procedures for companies operating in the blockchain and digital asset industries.

這個獨特的位置使香港能夠在Web3中推出多個關鍵舉措。政府已針對在區塊鍊和數字資產行業運營的公司提出了明確的監管指南和許可程序。

In addition, the launch of spot Bitcoin and Ethereum exchange-traded funds (ETFs) has allowed investors to gain exposure to cryptocurrencies through regulated financial products. The Hong Kong Monetary Authority (HKMA) has also established the Stablecoin Connect pilot program, creating a testing ground for companies to experiment with digital currencies.

此外，現貨比特幣和以太坊交易所交易基金（ETF）的推出使投資者可以通過受監管的金融產品獲得對加密貨幣的影響。香港貨幣管理局（HKMA）還建立了Stablecoin Connect Pilot計劃，為公司試驗數字貨幣創造了測試場。

Furthermore, the government is integrating tokenized finance and AI solutions to enhance its financial infrastructure. These efforts are part of Hong Kong's broader strategy to foster innovation and cement its role as a leading fintech hub in the region.

此外，政府正在整合令牌化的金融和AI解決方案，以增強其金融基礎設施。這些努力是香港促進創新和鞏固其作為該地區領先的金融科技樞紐的廣泛戰略的一部分。