INDUSTRIAL BANK(SH:601166) Zhong Guo Jin Rong Xin Xi Wang·2025-12-30 23:14Core Viewpoint - The Xiamen branch of Industrial Bank is leveraging foreign exchange reform to enhance financial services for enterprises, particularly in cross-border financing and personal foreign exchange services, thereby supporting private economic development and rural revitalization [1] Group 1: Cross-Border Financing - The Xiamen branch has tailored cross-border financing solutions for enterprises, addressing challenges such as high financing costs and inefficient fund usage [2] - The bank has helped a private food company, A Company, expand its foreign debt financing limit and introduced low-cost foreign funds, completing over 600 million Japanese yen foreign debt registration in just one working day [2][3] - Digital tools have been implemented to streamline fund management, allowing for online operations of foreign debt funds after due diligence [2] Group 2: Risk Management - The bank offers foreign exchange derivative products to convert floating-rate foreign debt into fixed-rate debt, mitigating interest rate and exchange rate risks for enterprises [3] Group 3: Comprehensive Service System - The bank has established a comprehensive service system for both corporate and personal cross-border business, optimizing processes and enabling online handling of foreign exchange transactions [4] - A new framework and risk control system for corporate foreign exchange services have been developed, significantly reducing processing time 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 payment solutions [4] Group 4: Future Plans - The bank aims to continue supporting quality enterprises and enhancing the business environment in Xiamen, contributing to high-quality foreign trade development [5]