金融“活水”畅流，政策精准赋能，厦门农商银行多措并举助力外贸企业扬帆远航

Core Viewpoint - Xiamen Rural Commercial Bank is actively responding to national foreign exchange management and cross-border RMB facilitation policies, focusing on simplifying processes, optimizing costs, and deepening services to transform policy benefits into development momentum for enterprises [1] Group 1: Process Simplification - Xiamen Rural Commercial Bank is systematically optimizing processes and systems based on foreign exchange and cross-border RMB facilitation policies, significantly shortening the time from application submission to fund arrival for eligible enterprises [2] - The bank promotes online processing for cross-border settlement, enhancing both efficiency and user experience, as evidenced by positive feedback from foreign trade enterprises [2] Group 2: Currency Preference - The bank encourages enterprises to adopt RMB for cross-border settlements, helping them avoid exchange rate fluctuation risks and save on foreign exchange costs, thereby stabilizing operational costs [3] - By expanding overseas clearing networks and optimizing fund transfer paths, the bank provides efficient and low-cost cross-border services, supporting enterprises in enhancing their financial efficiency [3] Group 3: Customized Services - Xiamen Rural Commercial Bank prioritizes enterprise needs by offering tailored cross-border financial support, exemplified by its rapid response to a shipbuilding company's requirements for non-financing cross-border prepayment guarantees [4] - The bank's comprehensive financial services, including letters of credit and remittances, have been crucial in supporting enterprises during critical moments, demonstrating its commitment to integrating deeply with the local economy [4]