为深入贯彻党中央、国务院关于稳外贸稳外资、做好金融"五篇大文章"的决策部署，全面落实国家外汇 管理局青岛市分局"优汇服务惠千家"工作要求，农行青岛分行自开展"优汇服务惠千家"专项行动以来， 坚持以客户为中心，以需求为导向，以科技为支撑，围绕政策普及、汇率避险、国际结算、融资支持等 关键环节持续发力，精准服务外贸企业，行动取得阶段性显著成效。 加大宣传引导，全面普及外汇政策 分行通过"线上+线下"多种渠道，持续开展外汇及跨境人民币政策宣传。线上依托官方微信公众号，高 度总结经常项目、资本项目、汇率避险、跨境人民币业务涉及的便利化政策，并通过案例简介、产品解 析等方式清晰展现出政策应用的场景，得到广泛转发。线下组织"进园区、进企业、进商会"系列宣讲活 动，举办多场专题沙龙和培训会，重点宣讲贸易外汇收支便利化、跨境融资便利化、支持外贸新业态、 汇率避险、银行展业改革试点等外汇政策，并通过网点物料与电子屏进一步扩大宣传覆盖面。 为提升企业外汇业务办理效率，分行对首次办理外汇业务的企业，做好名录登记、外汇账户开立、贸易 信贷报告等业务办理的"一站式"指导。针对集团企业，"一对一"开展资金池业务宣讲，助力提升资金集 中运 ...

扬子晚报网 12 月 11 日讯（记者 徐兢）为引导商业银行进一步做好中小微企业汇率避险服务，持续加 强金融、外汇对扩大高水平对外开放、稳外贸稳外资的支持力度，近日，江苏省财政厅、省商务厅、国 家外汇管理局江苏省分局联合印发《江苏省"苏汇保"工作方案（试行）》，依托江苏省普惠金融发展风 险补偿基金设立"苏汇保"政银合作产品，为江苏省内符合条件的中小微企业提供低门槛、低成本、高效 率的外汇套期保值业务支持。 下一步，国家外汇管理局江苏省分局将会同江苏省财政厅、江苏省商务厅遴选合作银行，建立备选企业 库，充分发挥政策效应，引导商业银行为省内更多符合条件的中小微企业提供外汇套保业务支持，帮助 企业有效管理汇率风险，助推江苏开放型经济高质量发展。 运用外汇衍生工具进行套期保值是企业汇率风险管理的重要手段，其中远期结售汇是最基础的外汇衍生 工具。"苏汇保"产品为中小微企业远期结售汇业务提供增信，可有效缓解中小微企业授信占用和保证金 不足的问题，帮助企业更多使用汇率避险产品、有效应对汇率波动风险。此次政策支持"苏汇保"对单户 企业授信额度最高达500万元，每批次总授信额度不超过30亿元并滚动使用，预计每批次可支持超过等 ...

Core Insights - The People's Bank of China (PBOC) and the State Administration of Foreign Exchange (SAFE) in Zhejiang Province reported on measures taken to support the high-quality development of foreign trade in the province amidst new challenges in 2023 [1] Financial Policies and Support - A comprehensive financial policy package has been implemented, including a special loan quota of 200 billion yuan for agriculture and small enterprises, leading to over 200 billion yuan in loans across foreign trade, consumption, and technology innovation sectors, benefiting more than 1 million market entities [3] - Financial institutions have increased support for policies related to exchange rate hedging, trade financing products, and cross-border RMB transactions, with the loan balance for AEO enterprises reaching 185.4 billion yuan, an increase of 19 billion yuan since the beginning of the year [3] Cross-Border Trade and E-Commerce - The PBOC has facilitated automatic batch review of electronic orders for banks and payment institutions, serving approximately 590,000 cross-border e-commerce micro-enterprises, improving settlement efficiency by nearly 40% and reducing costs by over 30% [4] - The province's cross-border RMB settlement volume reached nearly 2 trillion yuan in the first three quarters, with 1.3 trillion yuan related to current accounts and direct investments, ranking fourth nationally [4] Support for Small and Medium Enterprises - The introduction of bank option incentive measures has effectively reduced foreign exchange losses for small foreign trade enterprises, with 10,969 new first-time users and a 104% year-on-year growth in option business [4] - The application of nine cross-border financial service platforms has assisted over 16,000 foreign-related enterprises in obtaining financing and credit totaling 77.7 billion USD, with the number of serviced enterprises and financing cases ranking among the top in the country [4]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Jingdezhen Branch is actively responding to the foreign exchange hedging needs of export-oriented enterprises by utilizing derivative tools such as forward foreign exchange settlements and foreign exchange swaps, effectively helping local foreign-related enterprises enhance their foreign exchange risk management capabilities and achieve cost savings [1][3]. Group 1: Policy Guidance - The Jiangxi Provincial Foreign Exchange Administration has established a comprehensive foreign exchange hedging service mechanism, providing clear policy guidance for banks to conduct foreign exchange hedging business [2]. - A service system covering the entire province has been developed, promoting cooperation between government, banks, and enterprises, and establishing a financial guarantee support system to reduce the margin costs for enterprises engaging in hedging [2]. - The policy framework encourages banks to lower transaction costs and design customized hedging solutions for enterprises, thereby enhancing the efficiency of foreign exchange business processes [2]. Group 2: ICBC's Practical Application - ICBC has established a comprehensive service system for foreign exchange hedging products, utilizing various financial tools such as forward contracts and swaps, and innovating product design to meet diverse client needs [3]. - A recent case involved a manufacturing enterprise that received USD payments from abroad and had import needs in the near future. ICBC recommended a "near-end settlement + far-end purchase" foreign exchange swap, allowing the enterprise to meet its immediate RMB funding needs while locking in future purchase costs [3]. - The practice of "foreign exchange hedging" by ICBC demonstrates that enterprises can secure immediate funding support and lock in exchange rate costs through foreign exchange derivatives, effectively mitigating exchange rate volatility risks [3]. Group 3: Future Directions - ICBC Jingdezhen Branch plans to deepen cooperation with the Foreign Exchange Administration and continue optimizing services for enterprise foreign exchange risk management, expanding the coverage of foreign exchange derivative products [4]. - The bank aims to guide enterprises in establishing their own foreign exchange risk management mechanisms to effectively address the uncertainties posed by exchange rate fluctuations, thereby contributing to the high-quality development of the foreign-related economy in Jingdezhen [4].

Group 1 - The core viewpoint of the articles highlights the tailored financial solutions provided by Industrial Bank's Nanjing branch to help a lithium battery state-owned enterprise stabilize its foreign exchange rates, thereby reducing the impact of currency fluctuations on financial reports [1][2] - The bank designed a "12-month price stabilization plan" for a leading domestic lithium battery precursor company, allowing it to lock in exchange rates and avoid daily monitoring of currency fluctuations [1] - The financial solution includes a "sell USD call option" strategy, where the company receives upfront option fees and can choose to settle at a predetermined rate, thus providing a form of insurance against exchange rate volatility [1] Group 2 - In response to the national foreign exchange management bureau's requirements, the bank established a currency risk management task force at the beginning of the year, visiting over 500 foreign trade enterprises in key cities [2] - The bank has facilitated the processing of foreign exchange derivatives such as forwards, options, and swaps for 115 enterprises, amounting to nearly $1.5 billion, positioning itself as a leader among provincial joint-stock banks [2] - The bank also introduced a "foreign exchange derivative discount package" aimed at small and medium-sized enterprises, offering low or zero margin requirements and significant fee reductions [1][2]

Core Insights - The Ningbo branch of the State Administration of Foreign Exchange has focused on addressing the challenges faced by foreign-related enterprises in managing exchange rate risks, achieving a significant increase in the hedging rate to 30.1% in the first seven months of this year, up 11.7 percentage points year-on-year, marking a historical high [1][2] Group 1: Policy Implementation - The branch has implemented targeted policies to support small and micro enterprises, recognizing their sensitivity to exchange rate hedging costs, and has introduced various subsidy measures from 2021 to 2024 [1] - New policies introduced in April 2023, including subsidies for foreign trade enterprises' option business costs, have significantly reduced operational costs for businesses [1] Group 2: Service Enhancement - The branch has improved service quality by encouraging banks to reduce fees and offer preferential spreads, as well as providing specialized credit for exchange rate hedging that does not count against the total credit limit of enterprises [2] - The efficiency of processing hedging transactions has been greatly enhanced, reducing the time taken from 10-15 minutes to under 30 seconds [2] Group 3: Education and Awareness - The branch has promoted the concept of risk neutrality in exchange rate hedging through multiple outreach activities, reaching over 600 enterprises this year [2] - A network of foreign exchange liaison officers has been established, with over 1,100 personnel visiting 26,000 enterprises to provide policy services and enhance awareness of exchange rate risk management [2]

Group 1 - The article highlights the increasing globalization of Chinese foreign trade enterprises, with a focus on energy solutions in Africa and consumer goods in Southeast Asia [1] - Financial services are evolving to support cross-border trade more efficiently, providing flexible solutions for businesses [1] Group 2 - The introduction of the multilateral central bank digital currency bridge (mBridge) has significantly reduced cross-border payment times from days to minutes, enhancing cash flow for businesses [2] - Companies using mBridge have reported substantial cost savings, with one example showing a reduction in transaction costs by tens of thousands of yuan annually [2] Group 3 - Foreign exchange derivative tools are helping companies manage operational pressures, with businesses able to lock in future exchange rates easily through online banking [3] - Financial institutions are providing credit limits and reducing hedging costs, which is crucial for maintaining profitability amid currency fluctuations [3] Group 4 - Policy measures are facilitating foreign trade, such as expedited registration processes and increased thresholds for special refunds, which enhance operational efficiency for businesses [4] - A comprehensive financial support system, including credit insurance and foreign exchange trading platforms, is being developed to sustain foreign trade vitality [4] Group 5 - Cross-border payment solutions like PingPong are improving transaction efficiency in Nigeria, allowing for instant payments and automated compliance processes [5] - Data from the People's Bank of China indicates significant growth in cross-border RMB transactions and foreign institutional participation in China's bond market [5]

Group 1: Cross-Border Trade and Financial Services - Chinese foreign trade enterprises are expanding globally, with a focus on energy needs in Africa and consumer goods in Southeast Asia [1] - The use of multi-central bank digital currency bridges (mBridge) has significantly reduced cross-border payment times from 1-3 days to just 8 minutes, enhancing efficiency for businesses [2] - The implementation of forward foreign exchange settlement and sales operations allows companies to lock in exchange rates, mitigating risks associated with currency fluctuations [3] Group 2: Financial Innovations and Support - Financial institutions are providing essential support to maintain growth in foreign trade, with services like forward foreign exchange operations and free trade accounts reducing costs for businesses [3] - Policy measures, such as expedited registration for trade foreign exchange receipts and increased limits for special refunds, are facilitating smoother operations for foreign trade enterprises [4] - The introduction of local currency accounts by cross-border payment companies like PingPong has improved payment efficiency, allowing for instant transactions and streamlined compliance processes [5] Group 3: Market Data and Trends - In the first seven months of the year, Shanghai's total cross-border RMB payments reached 18.83 trillion yuan, with total foreign-related receipts amounting to 3.26 trillion USD [5] - As of July, 1171 foreign institutions have entered China's interbank bond market, with a total bond holding balance of 3.93 trillion yuan, indicating growing international interest [5]

Core Viewpoint - The China Bank Shandong Branch is enhancing its financial support for foreign trade enterprises in alignment with the national "stabilizing foreign trade" strategy, focusing on innovative cross-border financial services to facilitate international business operations [1] Group 1: Financial Support and Services - The Shandong Bank is actively providing financial support to foreign trade enterprises, implementing precise measures and innovative solutions to enhance cross-border financial services [1] - A pharmaceutical export company in Dongying successfully utilized the "Wide Range Treasure" options strategy to hedge against USD depreciation risks, processing 44 transactions worth $620 million in 2024, mitigating over 6 million yuan in exchange losses [2] - The efficiency of fund turnover for the pharmaceutical company improved by 40% due to streamlined cross-border payment processes facilitated by the Shandong Bank [2] Group 2: Cross-Border Financial Services - The Mingtou Group, specializing in construction materials, anticipates a 10% increase in export volume this year, attributing this growth to the support from China Bank's cross-border services [3] - The Mingtou Group has processed over 3,000 cross-border receipts totaling more than $6.4 million in the first half of the year, benefiting from expedited payment services [3] - The bank's risk management capabilities, including a professional letter of credit review process, have helped Mingtou Group mitigate potential risks while expanding its customer base [4] Group 3: Innovations in Foreign Exchange Services - The Yantai Bank has integrated its market procurement trade platform "Yicaitong" with the cross-border remittance system, allowing for 24/7 automatic account crediting, significantly improving fund arrival efficiency [6] - Since the launch of the "Yicaitong" service, Yantai Bank has processed 1,138 transactions worth $17.8 million, enhancing the operational efficiency of market participants [6] - The bank has implemented a "fee reduction + exchange rate optimization" strategy to alleviate the financial burden on small and micro enterprises, resulting in significant cost savings and increased profitability [7]

Core Viewpoint - The article highlights the proactive measures taken by China Bank's Liaocheng branch to support local high-tech enterprises in navigating foreign exchange challenges, thereby facilitating their international business expansion under the national policy of stabilizing foreign investment and trade [1][3]. Group 1: Company Overview - A local high-tech enterprise, established in 2019, specializes in the research, design, manufacturing, installation, and operation of large-scale steel silos for bulk materials, holding 21 patents and recognized as a national high-tech enterprise [2]. - The company signed a nearly $10 million contract with an Indonesian client in June 2024, marking its first foray into foreign trade [2]. Group 2: Foreign Exchange Challenges - The enterprise faced significant challenges in foreign exchange operations due to its lack of experience in international trade and concerns about the complexities of foreign exchange transactions, particularly regarding time zone differences with overseas clients [2][3]. - The company needed to issue a $1 million performance guarantee through a bank to secure the contract, which raised concerns about the process and the receipt of advance payments from the foreign client [3]. Group 3: Solutions Provided by China Bank - China Bank's Liaocheng branch formed a comprehensive service team to address the enterprise's concerns, clarifying the performance guarantee issuance process and explaining the facilitation policies for foreign exchange [3]. - The bank coordinated multiple levels of support to help the enterprise open foreign currency accounts, obtain credit approvals, and issue the performance guarantee within a week [4]. - The bank facilitated the arrival of the $1 million advance payment from the foreign client in August 2025, optimizing document review and guiding the enterprise in online currency exchange [4]. - To mitigate risks associated with currency fluctuations, the bank recommended a single buy option product, which the enterprise accepted, successfully executing a $1.1 million transaction [4]. Group 4: Impact on the Economy - The initiatives by China Bank not only support the enterprise's international expansion but also exemplify the financial sector's role in enhancing the real economy, allowing businesses to benefit from foreign exchange facilitation policies [4].