香港拟试行数字货币，用于抵押贷款定价

The Hong Kong Monetary Authority (HKMA) is preparing to conduct another trial of the digital currency e-HKD. According to the South China Morning Post, the upcoming trial will focus on the pricing and distribution of mortgage loans. The trial is intended to invite specific participants to evaluate how to integrate e-HKD into the region's mortgage lending mechanism.

HKMA reportedly believes that the adoption of e-HKD may enable Hong Kong residents to borrow money from multiple lenders at preferential rates. In addition, the digital currency is expected to speed up the approval and payment process for mortgage loans. However, it is unclear whether a new regulatory body will be established to oversee mortgage-related activities involving e-HKD.

Several financial institutions in Hong Kong have expressed interest in the initiative during initial pilot projects. Notably, Boston Consulting Group (BCG) and ZA Bank have expressed their support. BCG estimates suggest that the use of e-HKD could expand to tokenized assets, potentially providing digital support for approximately $4.6 trillion in assets, with a focus on residential properties.

Hong Kong's accelerated pilot program coincides with China's recent first overseas launch of the digital yuan, also known as e-CNY, in Hong Kong. The digital yuan is currently being piloted for cross-border payments. The initiative allows Hong Kong residents to top up digital wallets with up to 10,000 yuan (about $1,385) through 17 retail banks in Hong Kong, including Standard Chartered, ZA Bank and DBS Bank.

In conclusion, Hong Kong’s upcoming e-HKD pilot program represents an important step in exploring the potential of digital currencies in the mortgage industry. With the support of various financial institutions, and the simultaneous introduction of the digital RMB in the region, Hong Kong is positioning itself at the forefront of digital currency innovation.

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