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mobile-menu-expand-object" tabindex="0"><a href="/eng/smart-consumers/" target="">Overview</a></div> 229 <div class="mobile-menu-expand-target"></div> 230 </div><div class="mobile-menu-expand"> 231 <div class="sub-title mobile-menu-expand-object" tabindex="0">e-Banking</div> 232 <div class="mobile-menu-expand-target"><a href="/eng/smart-consumers/personal-digital-keys/" target="">Personal Digital Keys</a><a href="/eng/smart-consumers/internet-banking/" target="">Internet Banking</a><a href="/eng/smart-consumers/atms/" target="">ATMs</a></div> 233 </div><div class="mobile-menu-expand"> 234 <div class="sub-title mobile-menu-expand-object" tabindex="0">Payment and Transfer</div> 235 <div class="mobile-menu-expand-target"><a href="/eng/smart-consumers/faster-payment-system/" target="">Faster Payment System (FPS)</a><a href="/eng/smart-consumers/e-cny/" target="">e-CNY</a><a href="/eng/smart-consumers/e-payment-and-transfer/" target="">e-Payment and Transfer</a><a 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class="mobile-menu-expand"> 246 <div class="sub-title mobile-menu-expand-object" tabindex="0">Loans</div> 247 <div class="mobile-menu-expand-target"><a href="/eng/smart-consumers/personal-credit/" target="">Personal Credit</a><a href="/eng/smart-consumers/mortgages/" target="">Mortgages</a><a href="/eng/smart-consumers/premium-financing/" target="">Premium Financing</a></div> 248 </div><div class="mobile-menu-expand"> 249 <div class="sub-title mobile-menu-expand-object" tabindex="0">General Banking Services</div> 250 <div class="mobile-menu-expand-target"><a href="/eng/smart-consumers/account-opening/" target="">Account Opening and Maintenance</a><a href="/eng/smart-consumers/autopay-services/" target="">Autopay Services</a><a href="/eng/smart-consumers/investment-services/" target="">Investment Services</a><a href="/eng/smart-consumers/deposits/" target="">Deposits</a></div> 251 </div><div class="mobile-menu-expand"> 252 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a 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href="/eng/key-functions/money/hong-kong-currency/coin-collection-
262programme/" target="">Coin Cart Schedule</a></div> 263 </div></div><div class="column"><div class="mobile-menu-expand"> 264 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/smart-consumers/retirement-planning/" target="">Retirement Planning</a></div> 265 <div class="mobile-menu-expand-target"></div> 266 </div><div class="mobile-menu-expand"> 267 <div class="sub-title mobile-menu-expand-object" tabindex="0">Practical Information</div> 268 <div class="mobile-menu-expand-target"><a href="/eng/smart-consumers/banks-with-barrier-free-branches-and-atms/" target="">Barrier-free Bank Branches and ATMs</a><a href="/eng/smart-consumers/hotlines-of-banks-e-wallet-licensees/" target="">Hotlines of Banks, Stored Value Facility Licensees & Licensed Stablecoin Issuers</a><a href="/eng/smart-consumers/complaints/" target="">Complaints about Banks, Stored Value Facility Licensees & Licensed Stablecoin Issuers</a><a href="/eng/regulatory-resources/registers/" target="">Registers and Lists</a>
268<a href="/eng/smart-consumers/public-education-videos/" target="">Public Education Videos</a><a href="/eng/smart-consumers/public-education-events/" target="">Public Education Events</a><a href="/eng/smart-consumers/frequently-asked-questions/" target="">FAQs</a></div> 269 </div><div class="mobile-menu-expand"> 270 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/smart-consumers/information-in-other-languages/" target="">Information in Other Languages</a></div> 271 <div class="mobile-menu-expand-target"></div> 272 </div><div class="mobile-menu-expand"> 273 <div class="sub-title mobile-menu-expand-object" tabindex="0"></div> 274 <div class="mobile-menu-expand-target"></div> 275 </div><div class="mobile-menu-expand"> 276 <div class="sub-title mobile-menu-expand-object" tabindex="0"></div> 277 <div class="mobile-menu-expand-target"></div> 278 </div></div></div> 279 </div> 280 <div class="overlay"></div></div><div class="item desktop"><div class="title"><a href="#" target="_self">Data, Publications and Research</a></div><div class="submenu"> 281 <div class="group"><div class="column"><div class="mobile-menu-expand"> 282 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/data-publications-and-research/data-and-statistics/" target="">Data & Statistics</a></div> 283 <div class="mobile-menu-expand-target"><a href="/eng/data-publications-and-research/data-and-statistics/daily-monetary-statistics/" target="">Daily Monetary Statistics</a><a href="/eng/data-publications-and-research/data-and-statistics/monthly-statistical-bulletin/" target="">Monthly Statistical Bulletin</a><a href="/eng/data-publications-and-research/data-and-statistics/economic-financial-data-for-hong-kong/" target="">Economic & Financial Data for Hong Kong</a><a href="https://www.cmu.org.hk/en/bond-price-bulletin" target="_blank">CMU Bond Price Bulletin</a></div> 284 </div><div class="mobile-menu-expand"> 285 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/data-publications-and-research/legislative-council-issues/" target="">Legislative Council Issues</a></div> 286 <div class="mobile-menu-expand-target"></div> 287 </div></div><div class="column"><div class="mobile-menu-expand"> 288 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/data-publications-and-research/publications/" target="">Publications</a></div> 289 <div class="mobile-menu-expand-target"><a href="/eng/data-publications-and-research/publications/annual-report/" target="">Annual Report</a><a href="/eng/data-publications-and-research/publications/sustainability-report/" target="">Sustainability Report</a><a href="/eng/data-publications-and-research/publications/half-yearly-monetary-financial-stability-report/" target="">Half-Yearly Monetary & Financial Stability Report</a><a href="/eng/data-publications-and-research/publications/quarterly-bulletin/" target="">Bulletin</a></div> 290 </div><div class="mobile-menu-expand"> 291 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/data-publications-and-research/guide-to-monetary-banking-and-financial-terms/" target="">Guide to Hong Kong Monetary, Banking and Financial Terms</a></div> 292 <div class="mobile-menu-expand-target"></div> 293 </div></div><div class="column"><div class="mobile-menu-expand"> 294 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/data-publications-and-research/research/" target="">Research</a></div> 295 <div class="mobile-menu-expand-target"><a href="/eng/data-publications-and-research/research/research-memorandums/" target="">Research Memorandums</a><a href="/eng/data-publications-and-research/research/external-publications/" target="">External Publications</a><a href="/eng/data-publications-and-research/research/hong-kong-institute-for-monetary-and-financial-research/" target="">Hong Kong Institute for Monetary and Financial Research</a>
295<a href="/eng/data-publications-and-research/research/other-research-papers/" target="">Other Research Papers</a></div> 296 </div><div class="mobile-menu-expand"> 297 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="https://apidocs.hkma.gov.hk/" target="_blank">HKMA's Open Application Programming Interface (API)</a></div> 298 <div class="mobile-menu-expand-target"></div> 299 </div></div></div> 300 </div> 301 <div class="overlay"></div></div><div class="item desktop"><div class="title"><a href="#" target="_self">Regulatory Resources</a></div><div class="submenu"> 302 <div class="group"><div class="column"><div class="mobile-menu-expand"> 303 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/regulatory-resources/registers/" target="">Registers and Lists</a></div> 304 <div class="mobile-menu-expand-target"><a href="https://vpr.hkma.gov.hk/eng/regulatory-resources/registers/register-of-ais-and-lros/" target="_blank">Register of AIs & LROs</a><a href="https://apps.hkma.gov.hk/eng/index.php" target="_blank">Register of Securities Staff of AIs</a><a href="/eng/regulatory-resources/registers/register-of-svf-licensees/" target="">Register of SVF Licensees</a><a href="/eng/regulatory-resources/list-of-ai-related-trustees-acknowledgement/" target="">List of AI-related Trustees</a><a href="/eng/regulatory-resources/registers/register-of-licensed-stablecoin-issuers/" target="">Register of Licensed Stablecoin Issuers</a></div> 305 </div><div class="mobile-menu-expand"> 306 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/regulatory-resources/authorization-licensing-and-approval/" target="">Authorization, Licensing, Designation and Approval</a></div> 307 <div class="mobile-menu-expand-target"></div> 308 </div></div><div class="column"><div class="mobile-menu-expand"> 309 <div class="sub-title mobile-menu-expand-object" tabindex="0">Regulatory Documents</div> 310 <div class="mobile-menu-expand-target"><a href="https://brdr.hkma.gov.hk/eng/main" target="">Banking Regulatory Document Repository</a><a href="/eng/key-functions/international-financial-centre/stablecoin-issuers/" target="">Stablecoin Issuers</a><a href="/eng/regulatory-resources/regulatory-guides/svf-and-rps/stored-value-facilities-and-retail-payment-systems/" target="">Stored Value Facilities and Retail Payment Systems</a></div> 311 </div></div><div class="column"><div class="mobile-menu-expand"> 312 <div class="sub-title mobile-menu-expand-object" tabindex="0"></div> 313 <div class="mobile-menu-expand-target"></div> 314 </div></div></div> 315 </div> 316 <div class="overlay"></div></div><div class="item desktop"><div class="title"><a href="#" target="_self">Key Functions</a></div><div class="submenu"> 317 <div class="group"><div class="column"><div class="mobile-menu-expand"> 318 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/key-functions/money/" target="">Money</a></div> 319 <div class="mobile-menu-expand-target"><a href="/eng/key-functions/money/linked-exchange-rate-system/" target="">Linked Exchange Rate System</a><a href="/eng/key-functions/money/liquidity-facility-framework/" target="">Liquidity Facilities</a><a href="/eng/key-functions/money/hong-kong-currency/" target="">Hong Kong Currency</a></div> 320 </div><div class="mobile-menu-expand"> 321 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/key-functions/reserves-management/" target="">Exchange Fund â Reserves Management</a></div> 322 <div class="mobile-menu-expand-target"><a href="/eng/key-functions/reserves-management/history/" target="">History</a><a href="/eng/key-functions/reserves-management/exchange-funds-statutory-purposes-and-investment-objectives/" target="">Exchange Fundâs Statutory Purposes and Investment Objectives</a><a href="/eng/key-functions/reserves-management/investment-management/" target="">Investment Management</a><a href="/eng/key-functions/reserves-management/investment-performance/" target="">Investment Performance</a><a href="/eng/key-functions/reserves-management/risk-management/" target="">Risk Management</a><a href="/eng/key-functions/reserves-management/responsible-investment/" target="">Responsible Investment</a><a href="/eng/key-functions/reserves-management/exchange-fund-statistics-and-publications/" target="">Exchange Fund Statistics and Publications</a></div> 323 </div></div><div class="column"><div class="mobile-menu-expand"> 324 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/key-functions/banking/" target="">Banking</a></div> 325 <div class="mobile-menu-expand-target"><a href="/eng/key-functions/banking/banking-regulatory-and-supervisory-regime/" target="">Banking Regulatory and Supervisory Regime</a><a href="/eng/key-functions/banking/banking-legislation-policies-and-standards-implementation/" target="">
325Banking Legislation, Policies and Standards Implementation</a><a href="/eng/key-functions/banking/banking-conduct-supervision/" target="">Banking Conduct and Enforcement</a><a href="/eng/key-functions/banking/anti-money-laundering-and-counter-financing-of-terrorism/" target="">Anti-Money Laundering and Counter-Financing of Terrorism</a><a href="/eng/key-functions/banking/bank-resolution-regime/" target="">Resolution Regime</a><a href="/eng/key-functions/banking/smart-banking/" target="">Smart Banking</a><a href="/eng/key-functions/banking/fintech-knowledge-hub/" target="">Fintech Knowledge Hub</a><a href="/eng/key-functions/banking/green-and-sustainable-banking-events/" target="">Green and Sustainable Banking Events</a></div> 326 </div><div class="mobile-menu-expand"> 327 <div class="sub-title mobile-menu-expand-object" tabindex="0"></div> 328 <div class="mobile-menu-expand-target"></div> 329 </div></div><div class="column"><div class="mobile-menu-expand"> 330 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/key-functions/international-financial-centre/" target="">International Financial Centre</a></div> 331 <div class="mobile-menu-expand-target"><a href="/eng/key-functions/international-financial-centre/hong-kong-as-an-international-financial-centre/" target="">Hong Kong as an International Financial Centre</a><a href="/eng/key-functions/international-financial-centre/fintech/" target="">Fintech</a><a href="/eng/key-functions/international-financial-centre/bond-market-development/" target="">Bond Market Development</a><a href="/eng/key-functions/international-financial-centre/financial-market-infrastructure/" target="">Financial Market Infrastructure</a><a href="/eng/key-functions/international-financial-centre/stored-value-facilities-and-retail-payment-systems/" target="">Stored Value Facilities and Retail Payment Systems</a><a href="/eng/key-functions/international-financial-centre/stablecoin-issuers/" target="">Regulatory Regime for Stablecoin Issuers</a><a href="/eng/key-functions/international-financial-centre/soft-infrastructure/" target="">Soft Infrastructure</a><a href="/eng/key-functions/international-financial-centre/international-regional-financial-co-operation/" target="">International & Regional Financial Co-operation</a><a href="/eng/key-functions/international-financial-centre/green-and-sustainable-finance/centre-for-green-and-sustainable-finance/" target="">Green and Sustainable Finance</a><a href="/eng/key-functions/international-financial-centre/hkma-infrastructure-financing-facilitation-office/" target="">HKMA Infrastructure Financing Facilitation Office</a><a href="/eng/key-functions/international-financial-centre/wealth-management-connect/" target="">Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area</a><a href="/eng/key-functions/international-financial-centre/global-financial-leaders-investment-summit/" target="">Global Financial Leadersâ Investment Summit</a><a href="/sources/eng/hkma-bis-conference/" target="">HKMA â BIS High-Level Conference</a></div> 332 </div></div></div> 333 </div> 334 <div class="overlay"></div></div><div class="item desktop"><div class="title"><a href="#" target="_self">About Us</a></div><div class="submenu"> 335 <div class="group"><div class="column"><div class="mobile-menu-expand"> 336 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/about-us/the-hkma/" target="">The HKMA</a></div> 337 <div class="mobile-menu-expand-target"><a href="/eng/about-us/the-hkma/governance-structure/" target="">Governance Structure</a><a href="/eng/about-us/the-hkma/advisory-committees/the-exchange-fund-advisory-committee/" target="">Advisory Committees</a><a href="/eng/about-us/the-hkma/the-chief-executives-committee/" target="">The Chief Executiveâs Committee</a><a href="/eng/about-us/the-hkma/organisation-chart/" target="">Organisation Chart</a><a href="/eng/about-us/the-hkma/internal-audit/" target="">Internal Audit</a><a href="/eng/about-us/the-hkma/sustainable-hkma/" target="">
337Sustainable HKMA</a></div> 338 </div><div class="mobile-menu-expand"> 339 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/about-us/tender-invitations/" target="">Tender Invitations</a></div> 340 <div class="mobile-menu-expand-target"></div> 341 </div></div><div class="column"><div class="mobile-menu-expand"> 342 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/about-us/the-hkma-information-centre/" target="">The HKMA Information Centre</a></div> 343 <div class="mobile-menu-expand-target"><a href="/eng/about-us/the-hkma-information-centre/exhibition-area/" target="">Exhibition Area</a><a href="/eng/about-us/the-hkma-information-centre/library/" target="">Library</a><a href="/eng/about-us/the-hkma-information-centre/general-information/" target="">General Information</a><a href="/eng/about-us/the-hkma-information-centre/guided-tours/" target="">Guided Tours</a><a href="/eng/about-us/the-hkma-information-centre/souvenirs/" target="">Souvenirs</a></div> 344 </div><div class="mobile-menu-expand"> 345 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/about-us/related-organisations-and-links/" target="">Related Organisations and Links</a></div> 346 <div class="mobile-menu-expand-target"><a href="/eng/about-us/related-organisations-and-links/hkma-related-organisations-and-links/" target="">HKMA-related Organisations and Links</a><a href="/eng/about-us/related-organisations-and-links/hksar-government-related-organisations/" target="">HKSAR Government & Related Organisations</a><a href="/eng/about-us/related-organisations-and-links/central-banks/" target="">Central Banks</a><a href="/eng/about-us/related-organisations-and-links/multilateral-organisations/" target="">Multilateral Organisations</a><a href="/eng/about-us/related-organisations-and-links/others/" target="">Others</a></div> 347 </div></div><div class="column"><div class="mobile-menu-expand"> 348 <div class="sub-title mobile-menu-expand-object" tabindex="0"><a href="/eng/about-us/join-us/" target="">Join Us</a></div> 349 <div class="mobile-menu-expand-target"><a href="/eng/about-us/join-us/why-the-hkma/" target="">Why the HKMA?</a><a href="/eng/about-us/join-us/what-we-do/" target="">What We Do?</a><a href="/eng/about-us/join-us/current-vacancies/" target="">Current Vacancies</a><a href="/eng/about-us/join-us/opportunities-for-students-and-graduates-to-join-the-hkma/" target="">Opportunities for Students and Graduates to Join the HKMA</a></div> 350 </div><div class="mobile-menu-expand"> 351 <div class="sub-title mobile-menu-expand-object" tabindex="0"></div> 352 <div class="mobile-menu-expand-target"></div> 353 </div></div></div> 354 </div> 355 <div class="overlay"></div></div><div class="item tablet-mobile"> 356 <div class="title "><a href="#" target="_self">News and Media</a></div><div class="submenu"> 357 <div class="group"> 358 <div class="column"><div class="mobile-menu-expand" aria-hidden="true"> 359 <div class=" mobile-menu-expand-object"><a href="/eng/news-and-media/press-releases/" target="">Press Releases</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 360 <div class=" mobile-menu-expand-object"><a href="/eng/news-and-media/speeches/" target="">Speeches</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 361 <div class=" mobile-menu-expand-object"><a href="/eng/news-and-media/insight/" target="">inSight</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 362 <div class=" mobile-menu-expand-object"><a href="/eng/news-and-media/r-and-m-column/" target="">R & M Column</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 363 <div class=" mobile-menu-expand-object"><a href="/eng/news-and-media/forthcoming-events/" target="">Forthcoming Events</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 364 <div class=" mobile-menu-expand-object"><a href="/eng/news-and-media/photo-gallery/" target="">Photo Gallery</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 365 <div class=" mobile-menu-expand-object"><a href="/eng/news-and-media/video/" target="">Videos</a></div></div></div> 366 </div> 367 </div><div class="overlay"></div> 368 </div><div class="item tablet-mobile"> 369 <div class="title "><a href="#" target="_self">Smart Consumers</a></div><div class="submenu"> 370 <div class="group"> 371 <div class="column"><div class="mobile-menu-expand" aria-hidden="true"> 372 <div class=" mobile-menu-expand-object"><a href="/eng/smart-consumers/" target="">Overview</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 373 <div class="sub-title mobile-menu-expand-object"><a href="#" target="_self">e-Banking</a></div><div class="mobile-menu-expand-target"><a href="/eng/smart-consumers/personal-digital-keys/" target="">Personal Digital Keys</a><a href="/eng/smart-consumers/internet-banking/" target="">Internet Banking</a><a href="/eng/smart-consumers/atms/" target="">ATMs</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 374 <div class="sub-title mobile-menu-expand-object"><a href="#" target="_self">Payment and Transfer</a></div><div class="mobile-menu-expand-target"><a href="/eng/smart-consumers/faster-payment-system/" target="">Faster Payment System (FPS)</a><a href="/eng/smart-consumers/e-cny/" target="">e-CNY</a><a href="/eng/smart-consumers/e-payment-and-transfer/" target="">e-Payment and Transfer</a><a href="/eng/smart-consumers/e-wallets-and-prepaid-cards/" target="">e-Wallets and Prepaid Cards</a><a href="/eng/smart-consumers/credit-cards/" target="">Credit Cards</a><a href="/eng/smart-consumers/personal-cross-boundary-remittance-between-hong-kong-and-mainland-china/" target="">Personal cross-boundary remittance <br />between Hong Kong and the Chinese Mainland</a><a href="/eng/smart-consumers/payment-connect/" target="">Payment Connect</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 375 <div class="sub-title mobile-menu-expand-object"><a href="#" target="_self">Loans</a></div><div class="mobile-menu-expand-target"><a href="/eng/smart-consumers/personal-credit/" target="">Personal Credit</a><a href="/eng/smart-consumers/mortgages/" target="">Mortgages</a><a href="/eng/smart-consumers/premium-financing/" target="">Premium Financing</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 376 <div class="sub-title mobile-menu-expand-object"><a href="#" target="_self">General Banking Services</a></div><div class="mobile-menu-expand-target"><a href="/eng/smart-consumers/account-opening/" target="">Account Opening and Maintenance</a><a href="/eng/smart-consumers/autopay-services/" target="">Autopay Services</a><a href="/eng/smart-consumers/investment-services/" target="">Investment Services</a><a href="/eng/smart-consumers/deposits/" target="">Deposits</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 377 <div class=" mobile-menu-expand-object"><a href="/eng/smart-consumers/beware-of-fraudsters/" target="">Beware of Fraudsters!</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 378 <div class=" mobile-menu-expand-object"><a href="/eng/smart-consumers/money-safe/" target="">Money Safe</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 379 <div class=" mobile-menu-expand-object"><a href="/eng/smart-consumers/dont-lend-sell-your-account/" target="">Donât Lend/Sell Your Account</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 380 <div class="sub-title mobile-menu-expand-object"><a href="#" target="_self">Notes and Coins</a></div><div class="mobile-menu-expand-target"><a href="/eng/key-functions/money/hong-kong-currency/notes/design-and-security-features-of-currency-notes/" target="">2018 Series Hong Kong Banknotes</a><a href="/eng/key-functions/money/hong-kong-currency/coin-collection-
380programme/" target="">Coin Cart Schedule</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 381 <div class=" mobile-menu-expand-object"><a href="/eng/smart-consumers/retirement-planning/" target="">Retirement Planning</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 382 <div class="sub-title mobile-menu-expand-object"><a href="#" target="_self">Practical Information</a></div><div class="mobile-menu-expand-target"><a href="/eng/smart-consumers/banks-with-barrier-free-branches-and-atms/" target="">Barrier-free Bank Branches and ATMs</a><a href="/eng/smart-consumers/hotlines-of-banks-e-wallet-licensees/" target="">Hotlines of Banks, Stored Value Facility Licensees & Licensed Stablecoin Issuers</a><a href="/eng/smart-consumers/complaints/" target="">Complaints about Banks, Stored Value Facility Licensees & Licensed Stablecoin Issuers</a><a href="/eng/regulatory-resources/registers/" target="">Registers and Lists</a><a href="/eng/smart-consumers/public-education-vi
382deos/" target="">Public Education Videos</a><a href="/eng/smart-consumers/public-education-events/" target="">Public Education Events</a><a href="/eng/smart-consumers/frequently-asked-questions/" target="">FAQs</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 383 <div class=" mobile-menu-expand-object"><a href="/eng/smart-consumers/information-in-other-languages/" target="">Information in Other Languages</a></div></div></div> 384 </div> 385 </div><div class="overlay"></div> 386 </div><div class="item tablet-mobile"> 387 <div class="title "><a href="#" target="_self">Data, Publications and Research</a></div><div class="submenu"> 388 <div class="group"> 389 <div class="column"><div class="mobile-menu-expand" aria-hidden="true"> 390 <div class="sub-title mobile-menu-expand-object"><a href="/eng/data-publications-and-research/data-and-statistics/" target="">Data & Statistics</a></div><div class="mobile-menu-expand-target"><a href="/eng/data-publications-and-research/data-and-statistics/daily-monetary-statistics/" target="">Daily Monetary Statistics</a><a href="/eng/data-publications-and-research/data-and-statistics/monthly-statistical-bulletin/" target="">Monthly Statistical Bulletin</a><a href="/eng/data-publications-and-research/data-and-statistics/economic-financial-data-for-hong-kong/" target="">Economic & Financial Data for Hong Kong</a><a href="https://www.cmu.org.hk/en/bond-price-bulletin" target="_blank">CMU Bond Price Bulletin</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 391 <div class="sub-title mobile-menu-expand-object"><a href="/eng/data-publications-and-research/publications/" target="">Publications</a></div><div class="mobile-menu-expand-target"><a href="/eng/data-publications-and-research/publications/annual-report/" target="">Annual Report</a><a href="/eng/data-publications-and-research/publications/sustainability-report/" target="">Sustainability Report</a><a href="/eng/data-publications-and-research/publications/half-yearly-monetary-financial-stability-report/" target="">Half-Yearly Monetary & Financial Stability Report</a><a href="/eng/data-publications-and-research/publications/quarterly-bulletin/" target="">Bulletin</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 392 <div class="sub-title mobile-menu-expand-object"><a href="/eng/data-publications-and-research/research/" target="">Research</a></div><div class="mobile-menu-expand-target"><a href="/eng/data-publications-and-research/research/research-memorandums/" target="">Research Memorandums</a><a href="/eng/data-publications-and-research/research/external-publications/" target="">External Publications</a><a href="/eng/data-publications-and-research/research/hong-kong-institute-for-monetary-and-financial-research/" target="">Hong Kong Institute for Monetary and Financial Research</a><a href="/eng/data-publications-and-research/research/other-research-papers/" target="">Other Research Papers</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 393 <div class=" mobile-menu-expand-object"><a href="/eng/data-publications-and-research/legislative-council-issues/" target="">Legislative Council Issues</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 394 <div class=" mobile-menu-expand-object"><a href="/eng/data-publications-and-research/guide-to-monetary-banking-and-financial-terms/" target="">Guide to Hong Kong Monetary, Banking and Financial Terms</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 395 <div class=" mobile-menu-expand-object"><a href="https://apidocs.hkma.gov.hk/" target="_blank">HKMA's Open Application Programming Interface (API)</a></div></div></div> 396 </div> 397 </div><div class="overlay"></div> 398 </div><div class="item tablet-mobile"> 399 <div class="title "><a href="#" target="_self">Regulatory Resources</a></div><div class="submenu"> 400 <div class="group"> 401 <div class="column"><div class="mobile-menu-expand" aria-hidden="true"> 402 <div class="sub-title mobile-menu-expand-object"><a href="/eng/regulatory-resources/registers/" target="">Registers and Lists</a></div><div class="mobile-menu-expand-target"><a href="https://vpr.hkma.gov.hk/eng/regulatory-resources/registers/register-of-ais-and-lros/" target="_blank">Register of AIs & LROs</a><a href="https://apps.hkma.gov.hk/eng/index.php" target="_blank">Register of Securities Staff of AIs</a><a href="/eng/regulatory-resources/registers/register-of-svf-licensees/" target="">Register of SVF Licensees</a><a href="/eng/regulatory-resources/list-of-ai-related-trustees-acknowledgement/" target="">List of AI-related Trustees</a><a href="/eng/regulatory-resources/registers/register-of-licensed-stablecoin-issuers/" target="">Register of Licensed Stablecoin Issuers</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 403 <div class=" mobile-menu-expand-object"><a href="/eng/regulatory-resources/authorization-licensing-and-approval/" target="">Authorization, Licensing, Designation and Approval</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 404 <div class="sub-title mobile-menu-expand-object"><a href="#" target="_self">Regulatory Documents</a></div><div class="mobile-menu-expand-target"><a href="https://brdr.hkma.gov.hk/eng/main" target="">Banking Regulatory Document Repository</a><a href="/eng/key-functions/international-financial-centre/stablecoin-issuers/" target="">Stablecoin Issuers</a><a href="/eng/regulatory-resources/regulatory-guides/svf-and-rps/stored-value-facilities-and-retail-payment-systems/" target="">Stored Value Facilities and Retail Payment Systems</a></div></div></div> 405 </div> 406 </div><div class="overlay"></div> 407 </div><div class="item tablet-mobile"> 408 <div class="title "><a href="#" target="_self">Key Functions</a></div><div class="submenu"> 409 <div class="group"> 410 <div class="column"><div class="mobile-menu-expand" aria-hidden="true"> 411 <div class="sub-title mobile-menu-expand-object"><a href="/eng/key-functions/money/" target="">Money</a></div><div class="mobile-menu-expand-target"><a href="/eng/key-functions/money/linked-exchange-rate-system/" target="">Linked Exchange Rate System</a><a href="/eng/key-functions/money/liquidity-facility-framework/" target="">Liquidity Facilities</a><a href="/eng/key-functions/money/hong-kong-currency/" target="">Hong Kong Currency</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 412 <div class="sub-title mobile-menu-expand-object"><a href="/eng/key-functions/banking/" target="">Banking</a></div><div class="mobile-menu-expand-target"><a href="/eng/key-functions/banking/banking-regulatory-and-supervisory-regime/" target="">Banking Regulatory and Supervisory Regime</a><a href="/eng/key-functions/banking/banking-legislation-policies-and-standards-implementation/" target="">
412Banking Legislation, Policies and Standards Implementation</a><a href="/eng/key-functions/banking/banking-conduct-supervision/" target="">Banking Conduct and Enforcement</a><a href="/eng/key-functions/banking/anti-money-laundering-and-counter-financing-of-terrorism/" target="">Anti-Money Laundering and Counter-Financing of Terrorism</a><a href="/eng/key-functions/banking/bank-resolution-regime/" target="">Resolution Regime</a><a href="/eng/key-functions/banking/smart-banking/" target="">Smart Banking</a><a href="/eng/key-functions/banking/fintech-knowledge-hub/" target="">Fintech Knowledge Hub</a><a href="/eng/key-functions/banking/green-and-sustainable-banking-events/" target="">Green and Sustainable Banking Events</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 413 <div class="sub-title mobile-menu-expand-object"><a href="/eng/key-functions/international-financial-centre/" target="">International Financial Centre</a></div><div class="mobile-menu-expand-target"><a href="/eng/key-functions/international-financial-centre/hong-kong-as-an-international-financial-centre/" target="">Hong Kong as an International Financial Centre</a><a href="/eng/key-functions/international-financial-centre/fintech/" target="">Fintech</a><a href="/eng/key-functions/international-financial-centre/bond-market-development/" target="">Bond Market Development</a><a href="/eng/key-functions/international-financial-centre/financial-market-infrastructure/" target="">Financial Market Infrastructure</a><a href="/eng/key-functions/international-financial-centre/stored-value-facilities-and-retail-payment-systems/" target="">Stored Value Facilities and Retail Payment Systems</a><a href="/eng/key-functions/international-financial-centre/stablecoin-issuers/" target="">Regulatory Regime for Stablecoin Issuers</a><a href="/eng/key-functions/international-financial-centre/soft-infrastructure/" target="">Soft Infrastructure</a><a href="/eng/key-functions/international-financial-centre/international-regional-financial-co-operation/" target="">International & Regional Financial Co-operation</a><a href="/eng/key-functions/international-financial-centre/green-and-sustainable-finance/centre-for-green-and-sustainable-finance/" target="">Green and Sustainable Finance</a><a href="/eng/key-functions/international-financial-centre/hkma-infrastructure-financing-facilitation-office/" target="">HKMA Infrastructure Financing Facilitation Office</a><a href="/eng/key-functions/international-financial-centre/wealth-management-connect/" target="">Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area</a><a href="/eng/key-functions/international-financial-centre/global-financial-leaders-investment-summit/" target="">Global Financial Leadersâ Investment Summit</a><a href="/sources/eng/hkma-bis-conference/" target="">HKMA â BIS High-Level Conference</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 414 <div class="sub-title mobile-menu-expand-object"><a href="/eng/key-functions/reserves-management/" target="">Exchange Fund â Reserves Management</a></div><div class="mobile-menu-expand-target"><a href="/eng/key-functions/reserves-management/history/" target="">History</a><a href="/eng/key-functions/reserves-management/exchange-funds-statutory-purposes-and-investment-objectives/" target="">Exchange Fundâs Statutory Purposes and Investment Objectives</a><a href="/eng/key-functions/reserves-management/investment-management/" target="">Investment Management</a><a href="/eng/key-functions/reserves-management/investment-performance/" target="">Investment Performance</a><a href="/eng/key-functions/reserves-management/risk-management/" target="">Risk Management</a><a href="/eng/key-functions/reserves-management/responsible-investment/" target="">Responsible Investment</a><a href="/eng/key-functions/reserves-management/exchange-fund-statistics-and-publications/" target="">Exchange Fund Statistics and Publications</a></div></div></div> 415 </div> 416 </div><div class="overlay"></div> 417 </div><div class="item tablet-mobile"> 418 <div class="title "><a href="#" target="_self">About Us</a></div><div class="submenu"> 419 <div class="group"> 420 <div class="column"><div class="mobile-menu-expand" aria-hidden="true"> 421 <div class="sub-title mobile-menu-expand-object"><a href="/eng/about-us/the-hkma/" target="">The HKMA</a></div><div class="mobile-menu-expand-target"><a href="/eng/about-us/the-hkma/governance-structure/" target="">Governance Structure</a><a href="/eng/about-us/the-hkma/advisory-committees/the-exchange-fund-advisory-committee/" target="">Advisory Committees</a><a href="/eng/about-us/the-hkma/the-chief-executives-committee/" target="">The Chief Executiveâs Committee</a><a href="/eng/about-us/the-hkma/organisation-chart/" target="">Organisation 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421Sustainable HKMA</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 422 <div class="sub-title mobile-menu-expand-object"><a href="/eng/about-us/the-hkma-information-centre/" target="">The HKMA Information Centre</a></div><div class="mobile-menu-expand-target"><a href="/eng/about-us/the-hkma-information-centre/exhibition-area/" target="">Exhibition Area</a><a href="/eng/about-us/the-hkma-information-centre/library/" target="">Library</a><a href="/eng/about-us/the-hkma-information-centre/general-information/" target="">General Information</a><a href="/eng/about-us/the-hkma-information-centre/guided-tours/" target="">Guided Tours</a><a href="/eng/about-us/the-hkma-information-centre/souvenirs/" target="">Souvenirs</a></div></div><div class="mobile-menu-expand" aria-hidden="true"> 423 <div class="sub-title mobile-menu-expand-object"><a href="/eng/about-us/join-us/" target="">Join Us</a></div><div class="mobile-menu-expand-target"><a 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597FINANCIAL CENTRE<div class='graphic-small-word'>We help to maintain Hong Kongâs status as an international financial centre</div>" data-url="/eng/key-functions/international-financial-centre/" role="link" aria-label="INTERNATIONAL<br>FINANCIAL CENTRE"><span class="hide">INTERNATIONAL<br>FINANCIAL CENTRE</span></li><li tabindex="0" data-image="/media/eng/home/investment.jpg" data-text="RESERVES MANAGEMENT<div class='graphic-small-word'>We manage the Exchange Fund</div>" data-url="/eng/key-functions/reserves-management/" role="link" aria-label="RESERVES MANAGEMENT"><span class="hide">RESERVES MANAGEMENT</span></li> </ul> 598 </div> 599 </div> 600 </div> 601 602 <div class="section-container"> 603 <div class="section-wrapper"> 604 <div class="left"> 605 <div class="heading h3">Focus</div> 606 <div class="graphic-effect-holder"> 607 <div class="graphic-holder"></div> 608 <div class="graphic-text-holder"></div> 609 <div class="btn-next" tabindex="-1" role="link"><div class="icon"></div><span class="hide">Next Slide</span></div> 610 <div class="btn-prev" tabindex="-1" role="link"><div class="icon"></div><span class="hide">Previous Slide</span></div> 611 <div class="graphic-control"> 612 <div class="btn-pause" tabindex="-1" role="link"><span class="hide">Pause</span></div> 613 <ul class="graphic-data"> 614 <li tabindex="-1" data-image="/media/eng/banners-image/FIC_and_RMB_Focus_Banner_EN.png" title="Supporting the Development of Hong Kongâs FIC Market and Offshore RMB Business" data-text="Supporting the Development of Hong Kongâs FIC Market and Offshore RMB Business" data-link="/eng/news-and-media/press-releases/2026/07/20260707-3/" role="link"><span class="hide">Supporting the Development of Hong Kongâs FIC Market and Offshore RMB Business</span></li><li tabindex="-1" data-image="/media/eng/banners-image/stablecoin_banner.png" title="Regulatory Regime for Stablecoin Issuers" data-text="Regulatory Regime for Stablecoin Issuers" data-link="/eng/key-functions/international-financial-centre/stablecoin-issuers/" role="link"><span class="hide">Regulatory Regime for Stablecoin Issuers</span></li><li tabindex="-1" data-image="/media/eng/banners-image/GW_Focus_eng_2026.png" title="2026 Hong Kong Green Week" data-text="2026 Hong Kong Green Week" data-link="https://www.hkgreenweek.hk/en/index.html" role="link"><span class="hide">2026 Hong Kong Green Week</span></li><li tabindex="-1" data-image="/media/eng/banners-image/Focus_Banner_anti_scam_web_game.png" title="Anti-scam Web Game" data-text="Anti-scam Web Game" data-link="https://www.hkma.gov.hk/trap-hunter-game/index.html" role="link"><span class="hide">Anti-scam Web Game</span></li><li tabindex="-1" data-image="/media/eng/banners-image/supporting_smes_main.png" title="Supporting SMEs" data-text="Supporting SMEs" data-link="/eng/key-functions/banking/banking-regulatory-and-supervisory-regime/supporting-smes/" role="link"><span class="hide">Supporting SMEs</span></li><li tabindex="-1" data-image="/media/eng/banners-image/HKAMwebsite-focus-banner.jpg" title="Fintech 2030" data-text="Fintech 2030" data-link="/eng/key-functions/international-financial-centre/fintech/#Fintech-Initiative" role="link"><span class="hide">Fintech 2030</span></li><li tabindex="-1" data-image="/media/eng/banners-image/summit_2025_banner.jpg" title="Global Financial Leaders' Investment Summit" data-text="Global Financial Leaders' Investment Summit" data-link="/eng/key-functions/international-financial-centre/global-financial-leaders-investment-summit/" role="link"><span class="hide">Global Financial Leaders' Investment Summit</span></li><li tabindex="-1" data-image="/media/eng/banners-image/still_ENG.jpg" title="Payment Connect" data-text="Payment Connect" data-link="/eng/smart-consumers/payment-connect/" role="link"><span class="hide">Payment Connect</span></li><li tabindex="-1" data-image="/media/eng/banners-image/Cross_boundary_remittance_focus_banner.png" title="FAQ on Personal Cross-boundary Remittance between Hong Kong and the Chinese Mainland" data-text="FAQ on Personal Cross-boundary Remittance between Hong Kong and the Chinese Mainland" data-link="/eng/smart-consumers/personal-cross-boundary-remittance-between-hong-kong-and-mainland-china/" role="link"><span class="hide">FAQ on Personal Cross-boundary Remittance between Hong Kong and the Chinese Mainland</span></li><li tabindex="-1" data-image="/media/eng/home/BRDR_Focus_Banner.jpg" title="Banking Regulatory Document Repository" data-text="Banking Regulatory Document Repository" data-link="https://brdr.hkma.gov.hk/eng/main" role="link"><span class="hide">Banking Regulatory Document Repository</span></li><li tabindex="-1" data-image="/media/eng/home/focus-LERS.jpg" title="How does the LERS work?" data-text="How does the LERS work?" data-link="/eng/key-functions/money/linked-exchange-rate-system/how-does-the-lers-work/" role="link"><span class="hide">
614How does the LERS work?</span></li><li tabindex="-1" data-image="/media/eng/home/Focus_banner_Sustainability_eng.jpg" title="Sustainability" data-text="Sustainability" data-link="/eng/about-us/the-hkma/sustainability/" role="link"><span class="hide">Sustainability</span></li> </ul> 615 </div> 616 </div> 617 </div> 618 619 <div class="whats-new"> 620 <div class="heading h3">What's New</div> 621 <div class="tab-container"> 622 <div class="tab-selector" tabindex="0"></div> 623 <ul class="tab-holder"> 624 <li id="tab-press-release" tabindex="0" class="selected" aria-selected="true" role="tab" aria-controls="press-release"> 625 Press Releases </li> 626 <li id="tab-tablet-insight" tabindex="0" aria-selected="false" role="tab" aria-controls="insight" class="tab-tablet"> 627 inSight </li> 628 <li id="tab-tablet-article-list" tabindex="0" aria-selected="false" role="tab" aria-controls="article-list" class="tab-tablet"> 629 Speeches </li> 630 </ul> 631 <div class="tab-content" style="display: block;"> 632 <div class="tab-page" id="press-release" role="tabpanel" tabindex="0" aria-labelledby="tab-press-release"> 633 <div class="content"> 634 <div class="press-release-item"> 635 <div class="date">24 Sep 2026</div> 636 <div class="title"><a href="/eng/news-and-media/press-releases/2026/09/20260924-7/" target="_self">HKICL alerts public of fraudulent websites</a></div> 637 </div><div class="press-release-item"> 638 <div class="date">24 Sep 2026</div> 639 <div class="title"><a href="/eng/news-and-media/press-releases/2026/09/20260924-6/" target="_self">Scam alert related to banks</a></div> 640 </div><div class="press-release-item"> 641 <div class="date">24 Sep 2026</div> 642 <div class="title"><a href="/eng/news-and-media/press-releases/2026/09/20260924-5/" target="_self">20th Anniversary of Deposit Protection Scheme</a></div> 643 </div><div class="press-release-item"> 644 <div class="date">24 Sep 2026</div> 645 <div class="title"><a href="/eng/news-and-media/press-releases/2026/09/20260924-4/" target="_self">Hong Kong Monetary Authority and Bank Indonesia Strengthen Cooperation in Cross-Border Payments</a></div> 646 </div> </div> 647 <div class="bottom"> 648 <a href="/eng/news-and-media/forthcoming-events/" title="View All Forthcoming Events" aria-label="View All Forthcoming Events">Forthcoming Events<span class="icon-arrow"></span></a> 649 <a href="/eng/news-and-media/press-releases" title="View All Press Releases" aria-label="View All Press Releases">View All <span class="icon-arrow"></span></a> 650 </div> 651 </div> 652 653 </div> 654 <ul class="tab-holder middle"> 655 <li id="tab-insight" tabindex="0" aria-selected="false" role="tab" aria-controls="insight"> 656 inSight </li> 657 </ul> 658 <div class="tab-content"> 659 <div class="tab-page" id="insight" role="tabpanel" tabindex="0" aria-labelledby="tab-insight"> 660 <div class="content"> 661 <div class="press-release-item"> 662 <div class="date">07 Sep 2026</div> 663 <div class="title"><a href="/eng/news-and-media/insight/2026/09/20260907/" target="_self">Arthur Yuen on Hong Kong Taxonomy for Sustainable Finance: Deepening Decarbonisation Impact and Strengthening Climate Resilience</a></div> 664 </div><div class="press-release-item"> 665 <div class="date">02 Jul 2026</div> 666 <div class="title"><a href="/eng/news-and-media/insight/2026/07/20260702/" target="_self">Eddie Yue on Enhancing cross-border renminbi usage to support the real economy</a></div> 667 </div><div class="press-release-item"> 668 <div class="date">10 Apr 2026</div> 669 <div class="title"><a href="/eng/news-and-media/insight/2026/04/20260410/" target="_self">Eddie Yue on Robust development of the regulated stablecoin ecosystem in Hong Kong</a></div> 670 </div><div class="press-release-item"> 671 <div class="date">23 Dec 2025</div> 672 <div class="title"><a href="/eng/news-and-media/insight/2025/12/20251223/" target="_self">Colin Pou on The SME Financing Guarantee Scheme</a></div> 673 </div> </div> 674 <div class="bottom"> 675 <a href="/eng/news-and-media/insight" title="View All inSight" aria-label="View All inSight">View All <span class="icon-arrow"></span></a> 676 </div> 677 </div> 678 679 </div> 680 <ul class="tab-holder last"> 681 <li id="tab-article-list" tabindex="0" aria-selected="false" role="tab" aria-controls="article-list"> 682 Speeches </li> 683 </ul> 684 <div class="tab-content"> 685 <div class="tab-page" id="article-list" role="tabpanel" tabindex="0" aria-labelledby="tab-article-list"> 686 <div class="content"> 687 <div class="press-release-item"> 688 <div class="date">23 Sep 2026</div> 689 <div class="title"><a href="/eng/news-and-media/speeches/2026/09/20260923-1/" target="_self">Welcoming Remarks and Keynote Address at the Treasury Markets Summit 2026<div>by Eddie Yue</div></a></div> 690 </div><div class="press-release-item"> 691 <div class="date">22 Sep 2026</div> 692 <div class="title"><a href="/eng/news-and-media/speeches/2026/09/20260922-1/" target="_self">
692Welcome Remarks at 2026 Fintech Innovation Lab APAC Welcome Reception<div>by Carmen Chu</div></a></div> 693 </div><div class="press-release-item"> 694 <div class="date">17 Sep 2026</div> 695 <div class="title"><a href="/eng/news-and-media/speeches/2026/09/20260917-1/" target="_self">Remarks after the US Fed FOMC Meeting<div>by Eddie Yue</div></a></div> 696 </div><div class="press-release-item"> 697 <div class="date">11 Sep 2026</div> 698 <div class="title"><a href="/eng/news-and-media/speeches/2026/09/20260911-2/" target="_self">Welcome Remarks at CASI Sustainability Forum: Shaping Inclusive Transitions in Asia: Enhancing SMEsâ Resilience and Adaptation to Climate Change<div>by Darryl Chan</div></a></div> 699 </div> </div> 700 <div class="bottom"> 701 <a href="/eng/news-and-media/speeches" title="View All Speeches" aria-label="View All Speeches">View All <span class="icon-arrow"></span></a> 702 </div> 703 </div> 704 </div> 705 </div> 706 </div> 707 </div> 708 </div> 709 710 <div class="secton-container section-hot-topics"> 711 <div class="section-wrapper"> 712 713 714 <div class="section-column"> 715 716 717 <div class="smart-consumer"> 718 <div class="heading h3">Smart Consumers</div> 719 <ul class="item"> 720 <li><a href="/eng/smart-consumers/beware-of-fraudsters/"><div class="image"><img src="/media/eng/banners-image/Homepage_Smart_Consumer_Corner_Web_game.png" /></div><div class="text">Beware of Fraudsters!</div></a></li><li><a href="/eng/smart-consumers/dont-lend-sell-your-account/"><div class="image"><img src="/media/eng/img/smart-consumers/Dont-lend-sell-your-account-2.png" /></div><div class="text">Don’t Lend/Sell Your Account</div></a></li><li><a href="/eng/smart-consumers/account-opening/"><div class="image"><img src="/media/eng/img/smart-consumers/account-opening.jpg" /></div><div class="text">Account Opening and Maintenance</div></a></li><li><a href="/eng/smart-consumers/faster-payment-system/"><div class="image"><img src="/media/eng/home/fps.jpg" /></div><div class="text">Faster Payment System (FPS)</div></a></li> </ul> 721 <div class="bottom"> 722 <a href="/eng/smart-consumers" title="View All Smart Consumers" aria-label="View All Smart Consumers">View All <span class="icon-arrow"></span></a> 723 </div> 724 </div> 725 726 727 <div class="smart-consumer"> 728 <div class="heading h3">Useful Information</div> 729 <ul class="item"> 730 <li><a href="/eng/key-functions/banking/banking-regulatory-and-supervisory-regime/supporting-smes/"><div class="image"><img src="/media/eng/banners-image/supporting_smes_main.png" /></div><div class="text">Supporting SMEs</div></a></li><li><a href="/eng/key-functions/international-financial-centre/stablecoin-issuers/"><div class="image"><img src="/media/eng/banners-image/stablecoin_banner.png" /></div><div class="text">Regulatory Regime for Stablecoin Issuers</div></a></li><li><a href="/eng/key-functions/money/hong-kong-currency/coin-collection-programme/"><div class="image"><img src="/media/eng/img/smart-consumers/Coin-Cart-Schedule-.jpg" /></div><div class="text">Coin Cart Schedule</div></a></li><li><a href="/eng/smart-consumers/beware-of-fraudsters/#fraudulent-bank-websites-phishing-emails-and-similar-scams"><div class="image"><img src="/media/eng/home/info-Fraud.jpg" /></div><div class="text">Fraudulent Bank Websites, Phishing Emails and Similar Scams</div></a></li><li><a href="/eng/smart-consumers/beware-of-fraudsters/#smart-tips-against-bogus-phone-calls-and-sms-messages"><div class="image"><img src="/media/eng/home/info-Call-and-SMS.png" /></div><div class="text">Bogus Phone Calls and SMS Messages</div></a></li><li><a href="/eng/about-us/the-hkma-information-centre/"><div class="image"><img src="/media/eng/home/info-Information-Centre.jpg" /></div><div class="text">HKMA Information Centre</div></a></li> </ul> 731 </div> 732 733 734 735 </div> 736 </div> 737 </div> 738 </div> 739 740 <!--NO INDEX START--> 741 <div class="content-empty-wrapper layout-home 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