兴业银行厦门分行精准落地外汇便利化政策，助力高质量发展

Core Viewpoint - The article emphasizes the importance of deepening cross-border investment and financing foreign exchange management reforms to support high-quality development of the real economy, with a focus on the initiatives taken by Industrial Bank's Xiamen branch to enhance financial services for enterprises and rural revitalization [1]. Group 1: Cross-Border Financing Initiatives - Industrial Bank's Xiamen branch has tailored cross-border financing solutions for local enterprises, such as a private food company, to address challenges like high financing costs and inefficient fund usage [2]. - The bank has leveraged favorable policies to help enterprises increase their foreign debt financing limits and access low-cost foreign funds, completing over 600 million Japanese yen in foreign debt registration in just one working day [2][3]. - Digital tools have been employed to streamline fund management, enabling online operations for foreign debt funds after due diligence [2]. Group 2: Risk Management Solutions - To mitigate risks associated with interest rate and exchange rate fluctuations, the bank offers foreign exchange derivative products that convert floating-rate foreign debt to fixed rates and lock in exchange rates [3]. - This financial support has allowed the food company to expand its procurement from upstream farmers and enhance its product offerings tailored for rural markets [3]. Group 3: Comprehensive Service System - The case of the food company illustrates the bank's implementation of foreign exchange facilitation policies, creating a comprehensive service system for both corporate and individual cross-border business [4]. - The bank has optimized its business processes through digital transformation, significantly reducing the time required for cross-border trade foreign exchange transactions to under five minutes [4]. - In personal foreign exchange services, the bank has introduced specialized services for foreign employees, including online salary exchange and cross-border salary distribution, benefiting nearly 120 companies [4]. Group 4: Future Directions - Moving forward, Industrial Bank's Xiamen branch aims to continue supporting quality enterprises and enhancing the business environment in Xiamen, contributing to the high-quality development of foreign trade [5].