宁波银行：科技赋能 筑牢风控 积极推进外汇展业改革实践

Core Insights - The State Administration of Foreign Exchange has introduced the "Bank Foreign Exchange Business Management Measures (Trial)" to provide a regulatory framework for the reconstruction of bank foreign exchange business processes [1] - Ningbo Bank has actively implemented a full-process management approach, balancing cross-border facilitation and risk prevention, and has created a foreign exchange service ecosystem tailored for small and medium-sized private enterprises [1] Group 1: Matrix Management and Risk Control - Ningbo Bank has innovatively established a three-tier matrix management system to strengthen the organizational foundation for foreign exchange business reform, ensuring efficient collaboration and information sharing across the bank [2] - A strict qualification mechanism for positions has been implemented, requiring compliance and risk management personnel to obtain professional certifications, thus ensuring business compliance and integrating foreign exchange operations into daily activities [2] Group 2: Full-Process Innovation - The bank has shifted its business model to a customer lifecycle management system, enhancing due diligence processes and implementing differentiated reviews based on customer risk levels [3] - A dual monitoring approach has been adopted, combining on-site visits and intelligent risk engines to enhance risk management's foresight and precision [3] Group 3: Technology Empowerment - The deep application of financial technology has significantly improved efficiency and accuracy in customer due diligence by automating data collection and reducing manual processes [4] - Artificial intelligence models have been introduced for customer classification, providing a scientific basis for differentiated services [4] Group 4: Business Environment Optimization - The reforms have led to a 75% increase in efficiency for cross-border transactions for first-class clients, significantly reducing institutional transaction costs [5] - Ningbo Bank has served over 1,200 import and export enterprises, involving amounts exceeding $18.6 billion, providing strong financial support for the real economy [6]