多功能自由贸易账户离岸汇率优势让企业尝到“真金白银”甜头

Core Viewpoint - The introduction of the multi-functional free trade account by the People's Bank of China significantly enhances the efficiency of cross-border capital flow, addressing challenges in high-level free and convenient movement of funds [1][6]. Group 1: Multi-Functional Free Trade Account - The multi-functional free trade account allows for legal and efficient transfer and circulation of funds between domestic and overseas accounts, streamlining cross-border settlement processes for businesses [1]. - The simplified process of cross-border fund settlement, which eliminates additional reviews and supplementary documentation, has greatly improved the efficiency of capital flow for enterprises [1]. - The offshore exchange rate advantages provided by the multi-functional free trade account have resulted in substantial financial savings for companies, exemplified by a recent $23 million settlement that saved significant costs [1]. Group 2: Business Expansion and Financial Services - The application scenarios for the multi-functional free trade account are rapidly expanding from basic settlement to complex financial services, supporting enterprises in their international market expansion [3]. - Innovations in cross-border financing, including offshore USD financing and domestic RMB exchange rate swaps, are being developed in conjunction with the free trade port policies, promising further benefits for businesses [3]. Group 3: Banking and Financial Data - As of November 2025, 11 banks in Hainan have launched the multi-functional free trade account, facilitating a business volume equivalent to RMB 295 billion, with fund transfers involving entities from 80 countries and regions [4]. - The People's Bank of China in Hainan plans to deepen the pilot for cross-border asset management and continuously expand cross-border investment and financing channels following the full closure of the island [6].