由区块链，数字资产和AI驱动，香港的金融科技领域正在迅速扩展

香港金融技术（Fintech）行业正在迅速扩展，区块链，数字资产和人工智能（AI）推动了其增长。

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.

香港的金融技术（Fintech）行业正在迅速扩展，这是由于对区块链，数字资产和人工智能（AI）（AI）的强烈关注。 Investhk的一份新报告是一家吸引外国投资香港投资的政府机构，显示过去一年中与区块链相关的企业的增长250％。

Hong Kong Fintech Market to Hit $606 Billion by 2032

到2032年，香港金融科技市场将达到6060亿美元

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.

预计到2032年，香港的金融科技市场预计将达到606亿美元，预计从2024年到2032年，年增长率为28.5％。该行业从大流行中迅速恢复，这是值得注意的，并且在未来几年中有望持续增长。

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.

香港金融科技扩张的关键因素是政府鼓励Web3开发，促进数字资产创新并引入加密货币交换的结构化许可系统的政策。

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，香港拥有1100多家金融科技公司。其中，有175家企业专注于区块链应用程序，而111家公司专门从事数字资产和加密货币。这些数字显示区块链公司增长了250％，自2022年以来数字资产公司增长了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.

政府对Web3开发的承诺对于吸引企业至关重要。由于对加密技术和金融技术公司的许可法规，香港现在拥有稳定的商业环境。

Talent Shortage and Funding Remain Key Challenges

人才短缺和资金仍然是主要挑战

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.

尽管金融科技行业迅速增长，但香港的公司仍面临一些挑战。 InvestHK进行的一项调查收集了130家金融科技公司的回应，认为缺乏熟练人才是最大的障碍。

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.

将近58.8％的受访者引用了寻找合格的专业人员的困难，尤其是在区块链开发，AI驱动的融资和网络安全等领域。这种人才短缺可能会阻碍行业维持其势头的能力。

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

调查强调的另一个主要挑战是获得资金的机会有限，有43.9％的公司努力确保投资或财务支持。

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.

尽管香港为金融科技提供了强大的监管框架，但较小的初创公司可能会发现很难大规模筹集资金以扩大其运营。香港较小的金融科技公司主要集中在亚洲境内的区域市场上。

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.

解决这些担忧（特别是人才短缺和资金困难）对于保持香港作为全球领先的金融科技枢纽的地位至关重要。

Artificial Intelligence Leading Hong Kong Fintech Sector

人工智能领导香港金融科技领域

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领域中最主要的领域。根据该报告，有73％的金融科技公司专注于AI应用程序。 AI驱动的工具正在改变金融服务，实现自动化，欺诈检测和更有效的风险管理。

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％的金融科技公司参与数字资产和加密货币。这些公司处于开发用于管理，交易和将数字资产集成到金融系统中的新技术的最前沿。

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

香港从中国的“一个国家，两个系统”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.

香港最大的优势之一是它在中国“一个国家，两个系统”政策下运作的能力。该框架使香港能够维持自由市场的经济，利用珍珠河三角洲的经济能力，享有不受限制的资本流动，并维持强大的全球贸易关系。

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.

这个独特的位置使香港能够在Web3中推出多个关键举措。政府已针对在区块链和数字资产行业运营的公司提出了明确的监管指南和许可程序。

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，现货比特币和以太坊交易所交易基金（ETF）的推出使投资者可以通过受监管的金融产品获得对加密货币的影响。香港货币管理局（HKMA）还建立了Stablecoin Connect Pilot计划，为公司试验数字货币创造了测试场。

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解决方案，以增强其金融基础设施。这些努力是香港促进创新和巩固其作为该地区领先的金融科技枢纽的广泛战略的一部分。