厦门国际银行：打造跨境金融服务标杆，助力构建“双循环”新发展格局

Core Viewpoint - Xiamen International Bank is enhancing its cross-border financial services to support local enterprises, particularly in the context of increasing overseas funding needs and the challenges posed by lengthy approval processes for outbound capital [2][4]. Group 1: Cross-Border Financial Services - Xiamen International Bank has developed a comprehensive cross-border financial service model characterized by "three-region collaboration + digital engine + overseas Chinese gene" [2]. - The bank has launched 56 cross-border financial service scenarios, providing services such as cross-border settlement, trade financing, foreign exchange transactions, and overseas investments [5]. - By 2025, the bank's international business cumulative amount is expected to exceed 250 billion yuan, with a year-on-year growth rate of over 15% [5]. Group 2: Collaboration and Custom Solutions - The bank effectively collaborates with its subsidiaries to create tailored financial solutions, as demonstrated by a case involving a leading smart technology company that received nearly 7 million USD in loans through a customized guarantee foreign debt scheme [4]. - The bank's strategic layout focuses on "mainland as the core, Hong Kong and Macau as wings," which enhances its collaborative advantages in cross-border finance [4][5]. Group 3: Overseas Chinese Financial Services - Xiamen International Bank is leveraging its unique overseas Chinese heritage to provide specialized financial services, including cross-border financing and supply chain finance, targeting overseas Chinese clients [7]. - The bank aims to deepen its service offerings in niche markets, such as the shipping industry, by providing a comprehensive suite of services tailored to local industry characteristics [8]. Group 4: Digital Transformation - The bank is prioritizing digital infrastructure to enhance service efficiency and customer experience, transitioning to online, automated, and intelligent service models [10]. - By 2025, the bank's cross-border e-platform is projected to serve over 1,000 enterprises with a business volume nearing 280 billion yuan, significantly improving its service capabilities [11].