ICBC(SH:601398) Qi Lu Wan Bao·2025-05-21 21:25Core Viewpoint - The article highlights the challenges faced by foreign trade and investment enterprises due to international market demand changes, logistics uncertainties, and exchange rate fluctuations, while emphasizing the role of Jinan Industrial and Commercial Bank in providing comprehensive cross-border financial services to support these enterprises' growth and stability [1][2][3][4][5] Group 1: Challenges Faced by Enterprises - Foreign trade and investment enterprises are experiencing significant pressure on capital turnover, long international settlement cycles, and difficulties in foreign exchange risk management due to multiple factors [1] - Export-oriented companies often face long payment terms from overseas clients, leading to severe capital occupation issues [2] Group 2: Innovative Financial Solutions - Jinan Industrial and Commercial Bank has introduced innovative financing services, such as "order financing + overseas payment + reverse wind financing," to alleviate the financial pressure on enterprises during the order fulfillment process [2] - The bank has leveraged its global network to provide timely financing support based on export order situations, helping companies reduce their financing costs and improve cash flow [2] Group 3: Cross-Border Payment and RMB Internationalization - The bank has established a global service network with 408 branches in 69 countries, facilitating efficient cross-border payment and settlement processes [3] - In the first quarter of this year, Jinan Industrial and Commercial Bank's international settlement amount reached 3.9 billion USD, with cross-border RMB receipts amounting to 11 billion RMB, reflecting a year-on-year increase of 266% [3] Group 4: Comprehensive Financial Service Solutions - The bank has developed tailored cross-border comprehensive financial service plans for over 20 enterprises, focusing on various application scenarios such as financing, currency management, and international settlement [4][5] - Jinan Industrial and Commercial Bank has established cross-border cash pools for nine multinational corporations and facilitated 505 million USD in domestic and foreign investments in the first quarter [5] Group 5: Risk Management and Future Outlook - The bank promotes a "risk-neutral" philosophy to help enterprises manage exchange rate risks, offering a one-stop service for consultation, pricing, and transactions [5] - Jinan Industrial and Commercial Bank aims to continue enhancing its product offerings and service models to support the high-quality development of foreign trade and investment in Jinan [5]