Core Insights - The article highlights the innovative financial services introduced by China Construction Bank (CCB) Shenzhen Branch to support foreign trade enterprises in response to the evolving international trade environment and financial needs [1][6]. Group 1: New Payment Tools - CCB Shenzhen Branch has launched the "Cross-Border Easy Payment" tool, enabling zero-cost, instant cross-border RMB payments, significantly enhancing payment efficiency and reducing exchange costs for enterprises [2]. - The new payment system utilizes blockchain technology for point-to-point transactions, eliminating the need for multiple intermediary banks and reducing the risk of excessive audits due to information asymmetry [2]. Group 2: New Account System - The bank has expanded its foreign and domestic currency unified account pilot program, allowing enterprises to manage multiple currencies through a single account, thus improving fund allocation efficiency and reducing management costs [3]. - The upcoming launch of the Free Trade Account (FT Account) will facilitate easier cross-border fund transfers and financing options for eligible foreign trade enterprises, enhancing their ability to utilize both domestic and international resources [3]. Group 3: New Settlement Channels - CCB Shenzhen Branch has developed a "Sunshine Settlement" solution for cross-border e-commerce, ensuring compliance throughout the entire process of collection and settlement, thus addressing the challenges faced by small sellers [4]. - The bank has processed a total of 4 billion yuan in sunshine payments for cross-border e-commerce, demonstrating its commitment to supporting this growing sector [4]. Group 4: New Financing Products - The bank has introduced the "Foreign Trade Loan" as part of its "Cross-Border Quick Loan" product line, providing online, unsecured, and low-cost financing options tailored for small and micro foreign trade enterprises [5]. - Since 2025, the bank has served over 100 small foreign trade enterprises through its cross-border financing products, achieving a year-on-year growth rate of 72% [5]. - The introduction of cross-border e-commerce performance guarantees has streamlined the approval process for financing, providing strong credit support for domestic enterprises expanding into overseas markets [6]. Group 5: Policy Support and Market Impact - The financial innovations are backed by strong policy support from the Shenzhen Comprehensive Reform Pilot Program and the "Thirty Measures for Financial Support in Qianhai," which provide clear guidance and ample policy space for the bank's initiatives [6]. - The number of foreign trade enterprises served by CCB Shenzhen Branch has steadily increased, with a nearly 45% year-on-year growth in cross-border RMB settlement volume, enhancing the resilience and international competitiveness of Shenzhen's foreign trade enterprises [6].
助力稳外贸稳外资，建行深圳市分行跨境金融密集“上新”