今起海南正式封关！一文看懂有哪些金融支持和机构红利

Core Viewpoint - The official launch of the Hainan Free Trade Port's full island closure operation on December 18 marks a new development phase characterized by "first-line openness, second-line control, and internal freedom" [1] Financial Support and Policy Development - The People's Bank of China has been actively promoting financial policies and institutional frameworks since the release of the Hainan Free Trade Port construction plan in June 2020, effectively supporting the port's development [1] - Three key financial preparations for the closure have been completed, including the improvement of cross-border capital flow management systems and the introduction of the multi-functional free trade account (EF account) [2][5] EF Account and Cross-Border Transactions - By the end of October 2025, 11 banks in Hainan had launched EF accounts, with a total of 658 accounts opened and a transaction volume of 2,689 billion RMB [2][5] - The EF account facilitates cross-border capital flow with transactions occurring with 80 countries and regions, enhancing the efficiency of cross-border financial operations [3] Financial Monitoring and Risk Management - A cross-border capital flow monitoring and early warning mechanism has been established to enhance the ability to prevent financial risks [2][3] - The financial system's total loan balance in Hainan reached 14,101 billion RMB by the end of November, with significant growth in loans for key sectors such as technology and green finance [2] Financial Service Upgrades - The digital RMB pilot program is being actively implemented across Hainan, covering various sectors and contributing to the growth of digital payment solutions [4][7] - The launch of the "Hainan Wallet" project and the establishment of comprehensive service centers at major airports have significantly improved payment convenience for foreign visitors [7] Cross-Border Financial Opportunities - The closure is seen as an opportunity for financial institutions to expand their market presence, particularly in cross-border settlement, financing, and asset management [8][9] - Financial institutions are encouraged to leverage the EF account for dual-direction investment and financing, while also exploring digital RMB applications in key industries [9] Conclusion - The Hainan Free Trade Port's closure operation is expected to enhance trade and investment liberalization, providing a fertile ground for financial innovation and international cooperation [8][9]