INDUSTRIAL BANK(SH:601166) Zheng Quan Shi Bao Wang·2025-10-31 03:55Core Viewpoint - Recently, Industrial Bank's Urumqi branch successfully introduced RMB 30 million equivalent of foreign funds for a "specialized and innovative" high-tech enterprise in Xinjiang through an internal guarantee direct loan business, effectively broadening the enterprise's financing channels and reducing financing costs [1] Group 1: Financing Innovation - The internal guarantee direct loan business is designed to address the funding needs of enterprises during the raw material procurement phase [1] - The Urumqi branch led the design of a comprehensive cross-border financing scheme combining "internal guarantee direct loan + currency swap" [1] - This scheme leverages the advantages of the foreign funding market to help enterprises obtain funds at a lower cost [1] Group 2: Risk Management - The currency swap tool is utilized to convert floating rate debt into fixed rate debt, allowing enterprises to lock in financing costs in advance and effectively mitigate exchange rate fluctuation risks [1] - The Urumqi branch provided full assistance to the enterprise in completing foreign debt registration and compliance processes, ensuring smooth business implementation [1] Group 3: Future Outlook - The internal guarantee direct loan, as an innovative cross-border financing model, helps alleviate the issues of limited financing channels and high costs for domestic enterprises [1] - The Urumqi branch will continue to implement the central financial work conference spirit, deepening financial support for high-tech industries and "specialized and innovative" enterprises [1] - The focus will be on enhancing the quality and efficiency of cross-border financial services to support high-quality local economic development through high-level opening up [1]