Bank of China (Hong Kong) said it will apply verified mainland from Sept. 16
personal cross-border credit reports in credit approvals for mortgages, personal
loans and credit cards. The bank said the reports will be used to assess
repayment capacity, streamline approvals and could enable better lending terms
for mainland residents working or living in Hong Kong. The move follows an Oct.
2025 decision by the Hong Kong Monetary Authority and the People's Bank of China
(PBOC) to regularize cross-border credit reporting; BOC Hong Kong is the first
in-market bank to announce implementation.
