兴业银行个人涉外结算便利化项目助力个人跨境金融服务新飞跃

Core Viewpoint - The launch of the personal foreign exchange settlement facilitation project by Industrial Bank marks a significant advancement in the bank's personal foreign exchange service, enhancing customer experience and operational efficiency through technological and business innovations [1][2]. Group 1: Project Overview - The personal foreign exchange settlement facilitation project has been fully implemented, optimizing service processes and improving efficiency in personal foreign exchange business [1]. - The project responds to the growing demand for foreign exchange services in cross-border trade, study abroad, and tourism as China's openness continues to expand [1]. Group 2: Business Innovations - The project introduces a new trade transaction channel for market procurement, allowing customers to make remittances via corporate online banking, resulting in instant crediting and resolving previous issues of cumbersome processes and slow transactions [2]. - It expands personal foreign exchange services, enabling domestic individuals to initiate small cash foreign exchange transactions at counters, ensuring compliance while enriching service scenarios [2]. - The cross-border investment quota application process has been simplified, allowing online submission of documents and intelligent review, further enhancing service efficiency [2]. - Customers can now view and print electronic versions of foreign currency carrying certificates through mobile banking, significantly improving user experience [2]. Group 3: Technological Advancements - The project aims for a "secure, agile, and efficient" system, achieving architecture upgrades and performance enhancements, including a new architecture that supports high concurrency and increases peak processing capacity by 300% [2]. - Disaster recovery construction has been completed, enhancing the 24/7 business continuity assurance capability [2]. - Data standardization and user experience improvements have been achieved, enhancing data collection quality [2]. Group 4: Future Directions - The company plans to further implement national directives on high-level financial openness, focusing on compliance and efficiency in personal foreign exchange services, and enhancing cross-border settlement scenarios and international business experiences [3].