Lily Guan has extensive experience in banking credit risk management. Currently, as the Director of Product Sales & Solution, she actively drives the pilot upgrade of the Commercial Credit Reference Agency (CCRA)to empower Hong Kong financial institutions in advancing digital credit decision-making. She has also pioneered cross-boundary business credit reports, successfully enabling Hong Kong banks to utilize cross-boundary enterprise information for clearer insights into the credit status and financial performance of related mainland enterprises. This facilitates SME credit assessments and completes the southbound pilot initiative for cross-boundary credit information exchange in the Greater Bay Area.