世界一流湾区的形成都经历了由“港口资源型经济”转型为“现代服务型经济”和“创新型经济”的过程，即突破自身资源条件限制，以金融等现代服务业提升湾区全球资源配置能力。相较于纽约湾区、旧金山湾区和东京湾区，粤港澳大湾区金融业发展潜力巨大，但其金融发展在创新研发、市场融合、人才储备等诸多方面仍面临挑战，发展路径有待进一步探索。借鉴国外三大湾区发展经验，本报告建议粤港澳大湾区，在细分领域深入推动金融市场互联互通，大力发展绿色金融，发挥金融科技优势，搭建宏观审慎管理框架，建设强大的人才队伍。
All world-class bay areas have undergone a transformation from port-resource-based economies to modern service-oriented and innovation-driven economies，overcoming limitations of natural resource endowments by enhancing their capabilities in global capital allocation through the development of modern services such as finance. Compared with the New York Bay Area，San Francisco Bay Area，and Tokyo Bay Area，the Guangdong-Hong Kong-Macao Greater Bay Area holds enormous potential for financial development. However，challenges persist in areas such as financial innovation and R&D，market integration，and talent cultivation. Drawing on the experiences of the aforementioned global bay areas，this report recommends the Guangdong-Hong Kong-Macao Greater Bay Area should vigorously develop green finance，leverage its advantages in financial technology（fintech），establish a robust macroprudential regulatory framework，and build a highly skilled talent pool to support the construction of a strong fintech-powered financial zone.
