Core Viewpoint - HSBC has been awarded the title of "Best International Bank in the Guangdong-Hong Kong-Macao Greater Bay Area" for the third consecutive year, reflecting its strong commitment and investment in the region [1][3]. Investment and Business Development - HSBC has made significant investments in the Greater Bay Area, including a new office building in Qianhai and a global training center in Nansha, totaling over 4 billion RMB [4]. - The bank's business in the Greater Bay Area encompasses banking, securities, insurance, technology, and customer service centers, showcasing its comprehensive service offerings [4]. Cross-Border Financial Services - HSBC leverages Hong Kong's status as an international financial center to assist Chinese enterprises in expanding overseas and managing international business [5]. - The bank has enhanced its cross-border financial services, including cross-border payments, trade services, and financing, to meet the growing demand from residents and businesses in the Greater Bay Area [5][7]. Market Opportunities - The integration of the Greater Bay Area is driving increased demand for cross-border financial services, particularly among the growing middle-income and affluent populations [7]. - HSBC identifies opportunities in supporting mainland enterprises going global, especially in the context of global supply chain restructuring [7][8]. Digital and Innovative Services - HSBC has invested in digital channels and launched innovative products to enhance service efficiency and meet the financial needs of residents in the Greater Bay Area [10]. - The bank has introduced a range of digital services, including a new wealth management flagship outlet and a retail banking outlet at the West Kowloon high-speed rail station [10][11]. Wealth Management and Investment Products - HSBC has a strong position in the wealth management market, with a leading QDII quota among banks, offering a variety of overseas investment products [13]. - The bank's cross-border wealth management services are designed to cater to the increasing demand for asset allocation and retirement planning among mainland residents [13]. Support for New Economy Industries - HSBC has established a dedicated team to support technology innovation and new economy industries, launching a $3 billion credit fund for new economic development [14]. - The bank has introduced comprehensive financial solutions for cross-border e-commerce businesses, addressing their specific financial needs [14][15]. Global Network and Support for Enterprises - HSBC's global network spans 57 countries and regions, covering 90% of global trade and capital flows, providing extensive support for Chinese enterprises going abroad [18]. - The bank offers a full range of financial services, including trade financing, capital management, and M&A support, tailored to the diverse needs of enterprises at different stages of their international expansion [18].

编者按： 时代之笔擘画新章，金融活水润泽实体。在金融"五篇大文章"铺就的壮阔画卷中，证券业正以创新之墨 挥毫作答。这是服务国家战略的使命担当，更是深化金融供给侧改革的生动实践。证券业以"国之大 者"为经，以"民之关切"做纬，让金融血脉与实体经济同频共振，奏响中国式现代化的资本强音。证券 时报联合中国证券业协会，推出"做好'五篇大文章' 证券业作答进行时"系列专栏， 本篇为系列报道之 三十九，敬请垂注。 近几年，普惠金融作为金融"五篇大文章"之一被反复强调，体现了我国金融工作以人民为中心的价值取向。 "普惠金融对于缩小城乡、区域、群体间的金融资源差距具有重要作用。"世纪证券党委书记、董事长李剑峰接 受证券时报记者专访时表示，依托深圳前海作为"特区中的特区"政策和区位优势，世纪证券正通过科技赋能、 产品创新与业务协同，探索普惠金融实践路径，推动财富管理从"交易驱动"转向"价值创造"，为行业提供差异 化发展样本。 强化一体协同 随着居民财富管理需求升级，投资者从追求高收益转向风险收益平衡，更重视资产保值与合理增值，资产配置 多元化的需求日益强烈。世纪证券相关负责人表示，该公司坚持"以客户为中心"，根据客户需求提供不 ...

近几年，普惠金融作为金融"五篇大文章"之一被反复强调，体现了我国金融工作以人民为中心的价值取 向。 "普惠金融对于缩小城乡、区域、群体间的金融资源差距具有重要作用。"世纪证券党委书记、董事长李 剑峰接受证券时报记者专访时表示，依托深圳前海作为"特区中的特区"政策和区位优势，世纪证券正通 过科技赋能、产品创新与业务协同，探索普惠金融实践路径，推动财富管理从"交易驱动"转向"价值创 造"，为行业提供差异化发展样本。 强化一体协同 随着居民财富管理需求升级，投资者从追求高收益转向风险收益平衡，更重视资产保值与合理增值，资 产配置多元化的需求日益强烈。世纪证券相关负责人表示，该公司坚持"以客户为中心"，根据客户需求 提供不同的金融解决方案；同时，根据市场变化提升专业能力水平，优化金融产品布局，满足广大居民 差异化的财富管理需求。 为此，世纪证券进一步深化各业务条线协同机制建设，整合内外部资源，建立合理合规的利益分配机 制，充分调动一线业务人员积极性，打通跨业务协作的"最后一步"，使专业资产配置服务更高效、精准 触达投资者。随着服务效能的不断提高，客户黏性逐渐增加，世纪证券帮助客户实现从追求高收益到财 富保值增值的转变 ...

Core Insights - The stability and efficient operation of supply chains are crucial for enhancing industrial competitiveness in the context of profound changes in the global economic landscape and ongoing domestic macro policies aimed at expanding domestic demand [1] Group 1: National Subsidy Policy - The national policy for "large-scale equipment updates and consumer goods trade-in" is expected to create market opportunities while testing the efficiency of policy implementation [2] - JD Supply Chain Financial Technology utilizes a "consumer finance + supply chain finance" collaborative model to create a closed loop of "demand activation and supply assurance" [2] - The introduction of products like "Jingbaobei," "Order Loan," and "Pledge Loan" addresses the pain points faced by enterprises under national subsidy policies, providing comprehensive funding coverage from procurement to sales [2] Group 2: Financial Support for Businesses - JD Supply Chain Financial Technology has launched significant financial support policies ahead of the 2025 Double 11 shopping festival, including interest rate reductions for core products [3] - The "Jingbaobei" product offers a first loan annual interest rate as low as 3.8%, with rapid disbursement capabilities [3] - The "Order Loan" and "Pledge Loan" have reduced first loan interest rates to 5%, with dynamic pledge technology allowing for quick approval and disbursement [3] Group 3: Domestic Computing Power - The rise of domestic computing power is creating increased demand in the supply chain, with JD Supply Chain Financial Technology responding by expanding its "Pledge Loan" service to the server sector [4] - JD has supported nearly 20 domestic computing power enterprises, helping them overcome funding bottlenecks during critical technology iteration periods [4] - The integration of "finance + warehousing + logistics" services enhances supply chain management efficiency for computing power companies [4] Group 4: Cross-Border Financial Services - JD Supply Chain Financial Technology is expanding its cross-border financial service capabilities in line with JD Group's internationalization strategy [5] - A new cross-border logistics pledge loan product was launched in September 2025, with plans to provide up to $1 billion in financing support for overseas clients by 2026 [5] - JD's global reach includes over 100 countries and regions, with cross-border financial products aimed at facilitating procurement financing for companies venturing abroad [5] Group 5: Overall Impact and Future Outlook - JD Supply Chain Financial Technology serves as a "converter" between policy dividends and market demand, helping enterprises resolve funding challenges and enhancing the overall quality and efficiency of the industrial chain [6] - As of June 2025, JD Supply Chain Financial Technology has facilitated over 500 billion yuan in annual financing, serving more than 3,000 large enterprises and over 2 million small and medium-sized enterprises [6] - The company aims to continue driving high-quality economic development in China through data-driven and scenario-based approaches [6]

近年来，兴业银行南宁分行紧密结合区域产业特色，持续加大对外向型经济的金融支持力度，为本地企 业开拓海外市场、参与国际竞争提供金融助力。 未来，兴业银行南宁分行将继续坚持服务国家战略和实体经济，牢牢把握中国—东盟合作机遇，充分发 挥自身在跨境金融、绿色金融、投资银行等领域的特色优势，持续加强跨境金融服务能力建设，探 索"跨境+产业"融合发展的新路径，推动更多境外项目融资落地和产业链出海，为不断扩大高水平对外 开放贡献兴业智慧与力量。（张露、黄勇劲） 编辑：赵鼎 转自：新华财经 9月22日，兴业银行南宁分行在总行的指导下，成功为某印度尼西亚新材料公司发放出口买方信贷融资 7.129亿元，用于支持其在印尼的新能源项目建设。这是兴业银行首笔独立承贷的出口买方信贷业务， 推动跨境金融与绿色金融深度融合，为提升企业在国内外的ESG表现、建设面向东盟的金融开放门户作 出积极贡献。 据介绍，境内某新材料公司拟在印尼投建新能源项目，并在印尼成立项目公司负责项目建设运营。在前 期的走访调研中，兴业银行南宁分行了解到项目存在跨境融资需求，立即组建融资工作专班，为企业量 身定制跨境金融服务方案。此次贷款由中信保承保，采用出口买方信贷 ...

Group 1 - Financial technology positions are once again the focus of the job market for the 2025 autumn recruitment season, with banks, brokerages, insurance companies, and internet financial institutions actively hiring, but facing structural contradictions in supply and demand [1] - Major state-owned banks are prioritizing financial technology recruitment, with positions such as "Artificial Intelligence+" at Industrial and Commercial Bank of China and a plan to hire 491 for technology roles at Agricultural Bank of China, emphasizing a need for candidates with a dual background in finance and computer science [2][3] - Salaries in the banking sector show a "steady premium," with average annual salaries for technology positions in state-owned banks ranging from 250,000 to 350,000 yuan, while internet financial institutions offer higher compensation [2] Group 2 - Brokerages are intensifying their focus on quantitative and AI roles, with firms like GF Securities expanding recruitment by 30% for quantitative positions, but facing a shortage of qualified candidates [3] - The insurance industry is urgently seeking talent for its digital transformation, with China Life offering 127 financial technology positions, a 50% increase in demand for roles like intelligent underwriting and image recognition engineers [4] - Internet financial companies are emerging as winners in the talent competition, with positions at Ant Group and Tencent offering annual salaries between 500,000 and 800,000 yuan, but facing high competition and turnover rates [4][5] Group 3 - A significant mismatch exists in the job market, with 66.4% of financial institutions urgently needing AI talent, yet 84.2% cite a lack of relevant work experience as a major hiring challenge [6] - The recruitment landscape is polarized, with top firms offering salaries in the millions while smaller institutions struggle to attract suitable candidates, leading to a cycle of "unable to hire/unable to retain" [7] - The CGFT certification program launched in Shanghai aims to bridge the skills gap, with over 40,000 trained and 2,000 certified, but practical project experience remains crucial for hiring [8][9] Group 4 - The demand for compliance technology and cross-border financial roles is increasing, with positions for data compliance engineers at WeBank seeing an 80% year-on-year growth [5][9] - The financial technology talent standard is evolving from "programmers" to "financial algorithm engineers," with a growing need for professionals who can apply technical skills in real-world financial scenarios [9][12] - Companies are actively working to bridge the supply-demand gap by implementing joint training programs and adjusting educational curricula to better prepare graduates for the job market [11][12]

Group 1 - The report highlights significant achievements in the financial industry during the "14th Five-Year Plan" period, emphasizing both scale and quality improvements in financial services [1][9][10] - By June 2025, China's banking sector total assets reached nearly 470 trillion yuan, ranking first globally, while the stock and bond markets ranked second [11][10] - The report indicates that the direct financing ratio increased to 31.6%, up by 2.8 percentage points from the end of the "13th Five-Year Plan" [11][16] Group 2 - The report suggests five key investment areas based on the achievements of the "14th Five-Year Plan" and trends for the "15th Five-Year Plan": financial technology, capital market services, green finance, technology finance, and cross-border finance [2][25][26] - Financial technology is highlighted as a leading area, with mobile payments at an international forefront and steady progress in digital currency development [2][25] - Green loans grew at an average annual rate exceeding 20% during the "14th Five-Year Plan," with expectations for continued rapid growth in the "15th Five-Year Plan" [2][26] Group 3 - The report emphasizes the significant enhancement of financial services to the real economy, with loans to high-tech enterprises reaching nearly 19 trillion yuan, growing at an annual rate exceeding 20% [14][15] - The capital market's role in supporting technological innovation has accelerated, with over 90% of newly listed companies being technology-related [15][16] - The financial risk prevention and regulatory system has evolved, with a notable reduction in high-risk institutions and assets, ensuring that risks remain controllable [16][19] Group 4 - The report outlines a new pattern of institutional opening in the financial sector, with the removal of foreign ownership limits and an increase in foreign investment in A-shares [20][21] - By July 2025, foreign institutions and individuals held over 10 trillion yuan in domestic stocks and bonds, indicating a growing international presence in China's financial markets [20][21] - The report also notes the deepening of foreign exchange management reforms, facilitating cross-border investment and financing needs [21][24]

2025年"活力中国调研行"海南主题采访活动走进海南中行，了解跨境金融服务 海南EF账户成为跨境资金"高速路" 中国银行海南省分行部门负责人叶红介绍，EF账户支持本外币一体化，可同时兼容美元、欧元、日元等 多个可自由兑换的外汇币种，使用离岸汇率结算。企业可充分利用境内外两个市场，结合业务实需选择使用 境内一般账户的在岸汇率，或选择使用EF账户的离岸汇率，有效做好汇率风险管理，节约财务成本。 经过1年多的运行，海南EF账户业务稳步有序扩容增量，特别是今年以来，适用于海南自贸港内机构的 EFE账户逐步扩大范围，且开户数量稳步上升，为海南自贸港内机构在跨境资金流动方面带来了极大的自由 便利。今年上半年，海南自贸港新增EF账户273个(其中EFE账户131个)，并且EF账户发生业务量已达到折合 人民币918亿元。截至今年7月28日，海南自贸港已有10家银行试点开展EF账户业务。 (本报海口9月22日讯) 9月22日，2025年"活力中国调研行"海南主题采访活动走进中国银行海南省分行。海南日报全媒体记者 张茂 摄 EF账户全称为海南自由贸易港多功能自由贸易账户，作为跨境金融基础设施的核心，承担着打通境内外 资金循环的关 ...

转自：新华财经 近年来，中国农业银行广西壮族自治区分行（以下简称"农行广西分行"）深入贯彻中央金融工作会议精 神，充分发挥广西面向东盟的独特区位优势，通过深化境内外联动与金融创新，持续优化跨境金融服 务，大力推动中国—东盟自贸区3.0版建设，为推动构建更为紧密的中国—东盟命运共同体提供有力金 融保障。 服务银发群体。充分发挥农行点多面广、遍布城乡的渠道优势，积极提升适老化金融服务水平，强化银 发金融消费者权益保护，全力服务好人民群众养老生活。截至2025年8月末，该行共打造728个"农情暖 域"品牌网点，设置714个"爱心窗口"，实现养老金受托资产余额113.54亿元。 数字金融赋能发展。制定《广西分行贯彻落实中央金融工作会议精神推动数字金融高质量发展的实施方 案》，并形成《推动数字金融高质量发展的任务清单》。实施"桂惠贷"管理系统轻云项目、分布式核心 系统特色应用改造等6个信创项目，信创研发不断取得新进展。 把握开放新机遇，深化中国—东盟区域金融合作 聚焦"五篇大文章"，写好惠企利民新答卷 近年来，农行广西分行坚持把金融服务实体经济作为根本宗旨，扎实做好"五篇大文章"，以高质量金融 服务推动经济高质量发展。 ...

Group 1 - The core viewpoint emphasizes the need for improved capital market construction to support the development of new productive forces in China [1][2] - Cross-border finance will be a key research focus, addressing the financial challenges faced by Chinese enterprises expanding overseas [2][3] - The current financial system in China is primarily bank-based, contrasting with the capital market-oriented system in the United States, which affects innovation financing [2] Group 2 - There is a significant lack of in-depth research on the financial needs of Chinese enterprises going abroad, particularly in offshore financial development [2] - The People's Bank of China announced a pilot reform for offshore trade finance services in the Lingang New Area, which aims to facilitate a "global order, overseas processing, Lingang settlement" model [2] - The focus on domestic demand growth and recovery is highlighted, with a call for increased attention to high-end service industry development as a means to boost consumption [3]