信安：香港仍在全球仍在全球金融普惠性排名中位列第二

According to the 2025 Global Financial Inclusion Index research report published by Principal Financial Group and the Centre for Economics and Business Research (Cebr), Hong Kong remains the second most financially inclusive market among 42 surveyed markets worldwide, second only to Singapore, despite the challenging business and economic environment. Hong Kong's rankings in the two main pillars of financial system support and employer support have declined, while government support has remained unchanged. Business uncertainty has led to a decline in employer support, causing an overall drop of six places in the employer support pillar.

According to this annual study by Principal, global financial inclusion has stabilized after significant growth over the past two years. The study ranks markets based on the support measures provided by employers, governments, and financial systems to promote financial inclusion. Due to economic and business pressures, global employer support has weakened this year, with governments beginning to intervene as a safety net.

Although Hong Kong's overall index ranking has not declined, its performance in the financial system support and employer support pillars has decreased. Financial system support ranks fourth, down one place from 2024; government support ranks third, unchanged from 2024; and employer support ranks eighteenth, down six places from 2024.

All indicators in the employer support pillar in Hong Kong have declined, with the most significant drops in employer compensation plans (down twelve places), employee insurance plans (down seven places), and guidance and support around financial management issues (down five places). This reflects a global trend of companies reducing support in the face of economic and trade-related uncertainties.

As Hong Kong faces the long-term challenge of an aging population, financial inclusion is also under additional pressure, with increasing retirement security pressures highlighting the critical role of the government and financial systems in enhancing financial literacy and education.

Despite the challenges listed in the index, Hong Kong residents still exhibit an optimistic attitude. According to consumer surveys, 74.2% of Hong Kong residents feel that financial inclusion is improving, up from 67% in 2024. This significant increase reflects the public's increasingly positive view of financial inclusion, resonating with efforts to improve financial accessibility and literacy, even amid a pressured overall economic environment