The "Outline Development Plan for the Guangdong-Hong Kong-Macao Greater Bay Area" (the "Outline Development Plan"), issued on February 18th, 2019, positions Hong Kong, Macao, Guangzhou, and Shenzhen as central to driving the region's development.

This year is the 5th anniversary of the release of the "Outline Development Plan",marking a new phase to accelerate and deepen the construction of the GBA. Let's hear from National People's Congress (NPC) deputies and Chinese People's Political Consultative Conference (CPPCC) members from the region about their proposals for the GBA's future development.

Supporting the growth of SMEs in Hengqin and Macao

Just before the Two Sessions, the Guangdong-Macao In-Depth Cooperation Zone in Hengqin started a new customs operation on March 1st, marking a vital stepofa new system for high-level opening-up and integration between Guangdong and Macao.

SMEs comprise over 90% of Macao's registered businesses and supply more than 60% of its jobs, as data indicates.

To boost Macao SMEs and enable them to benefit from the Cooperation Zone, Mo Zhiwei, a CPPCC member, a standing member of the All-China Federation of Industry and Commerce (ACFIC), and the Vice Chairman of Macao Chamber of Commerce (ACM), has submitted a proposal on promoting the development of SMEs in Hengqin and Macao. The proposal includes several suggestions: to integrate Macao SMEs into the Cooperation Zone's supply chain, to establish a dedicated agency in Hengqin for MSME development, and to create a tripartite consultation platform involving the Cooperation Zone Government, the Macao SAR Government, and ACM to facilitate the integration of Macao SMEs into the Cooperation Zone.

Establishing GBA standards for cross-border credit loans

As one of the most open and economically vibrant regions in China, the GBA was expected to surpass 13.6 trillion yuan in economic aggregate last year, attracting global investors.

Investment Promotion Conference for the GBA took place in Guangzhou on November 8th, marking the second such event held by the three regions jointly. An increasing number of SMEs are drawn to invest in the GBA, yet some face financing challenges.

Considering the financing issue, Lin Zhiying, an NPC deputy from Hong Kong and Vice President of the Council for the Promotion of Guangdong-Hong Kong-Macao Cooperation, proposed "Suggestions on Establishing GBA Standards for Cross-Border Credit Loans".During his field research, he discovered that SMEs, often operating with light assets, struggle to access financing from Chinese mainland banks in the GBA. This challenge extends to foreign companies with real estate collateral, as some banks remain hesitant to provide loans. Additionally, SMEs face record-filing procedures, long processing times, and high costs in cross-border financing, compounded by the absence of unified credit recognition and standards in the region.

Lin recommends that authorities implement policies to ease cross-border credit financing in Hong Kong and Macao for SMEs, establish GBA standards for cross-border credit loans, streamline foreign debt registration, and expedite the process.

港区全国人大代表、澳区全国政协委员建议：构建“湾区标准”，助力中小企业发展

2019年2月18日，《粤港澳大湾区发展规划纲要》（以下简称《规划纲要》）发布，其中提出以香港、澳门、广州、深圳四大中心城市作为区域发展的核心引擎引领粤港澳大湾区建设。

今年是《规划纲要》正式发布5周年，粤港澳大湾区建设进入提速换挡、纵深推进的新阶段，来自粤港澳三地的全国人大代表和全国政协委员将为大湾区未来发展提出哪些建议与提案？

促进琴澳中小企业发展

全国两会召开之前，3月1日零时，横琴粤澳深度合作区正式实施封关运行，这标志着构建与澳门一体化高水平开放新体系迈出关键一步。

数据显示，在澳门注册企业中，中小企业占比达九成以上，提供就业超过六成。

为促进澳门中小企业发展，帮助它们分享更多横琴粤澳深度合作区发展红利，全国政协委员、全国工商联常务委员、澳门中华总商会副理事长莫志伟提交了关于促进琴澳中小企业发展的提案，包括几点建议：以大带小，带动澳门中小企业进入合作区市场供应链；在横琴设立专责机构，促进合作区中小微企业发展；设立合作区政府、特区政府和澳门商会三方合作常设咨询平台，持续推动澳门中小企业融入合作区。　　

构建跨境信用贷款“湾区标准”

作为中国开放程度最高、经济活力最强的区域之一，粤港澳大湾区去年经济总量预计超13.6万亿元，吸引了全球众多投资者的目光。

去年11月8日，2023年粤港澳大湾区全球招商大会在广州举办。这是粤港澳三地第二次携手举办全球性招商大会。越来越多的中小企业选择来到大湾区投资兴业，但也有企业也碰到了融资难等问题。

针对这一情况，港区全国人大代表、广东省粤港澳合作促进会副会长林至颖提出《关于构建跨境信用贷款“湾区标准”的建议》。在走访调研中他发现，中小企业投资普遍为轻资产模式，难以获得大湾区内地银行的融资。而外资企业即使有不动产抵押，部分内地银行也不支持融资。中小企业贷款过程中，还存在跨境融资备案手续繁琐、耗时长、成本高，粤港澳大湾区跨境信用互认和标准尚未统一等情况。

对此，林至颖建议，相关部门要出台有效政策，便利中小企业赴港澳开展跨境信用融资，打造跨境信用贷款“湾区标准”，便利化外债备案手续，缩短备案时间等。

文｜记者 谭铮 王莉
翻译｜郑圣浩