Xin Hua Wang·2025-08-12 06:27Core Viewpoint - CITIC Bank has launched its International Business Smart Online Banking 4.0, enhancing digital financial services for enterprises, particularly in cross-border financial services, to support small and medium-sized enterprises during the pandemic [1][2]. Group 1: Product Features - The new online banking platform offers a comprehensive range of services including global account management, cross-border settlement, investment financing, supply chain management, and foreign exchange trading, covering over 100 products in both domestic and foreign currency [1][2]. - The "Cross-Border Cash Management Comprehensive Service Plan" enables Chinese enterprises to manage global account information visually, facilitating quick cross-border fund transfers and small payments [2]. - "Cross-Border Capital Treasure" provides digital services for capital project foreign exchange income and payments, streamlining processes and creating a "green channel" for clients [2]. - The platform offers personalized foreign exchange management solutions and self-service online trading for foreign exchange derivatives, enhancing the timeliness and accuracy of foreign exchange management [2]. Group 2: Customer Experience - The Smart Online Banking features tailored services for different customer segments, providing various versions such as standard and international business versions to enhance personalized service [3]. - It includes flexible foreign exchange services, with intelligent generation of remittance applications and real-time tracking of remittance progress, ensuring quick fund transfers [3]. - The platform supports multiple mainstream browsers and offers a secure login method, enhancing user experience and accessibility [3]. Group 3: Strategic Direction - CITIC Bank's foreign exchange business is characterized by professionalism, speed, and flexibility, focusing on supporting small and medium-sized export enterprises and leading in cross-border e-commerce [4]. - The bank is committed to digital transformation and has established a blockchain forfaiting trading platform recognized by the central bank as an industry platform [4]. - Future plans include continuous exploration of innovations in financial technology, such as artificial intelligence and big data, to provide advanced cross-border financial services [4].