记者从中国人民银行黑龙江省分行召开的2025年第三次例行新闻发布会上获悉，2025年上半年，全省社 会融资规模累计增加1254.2亿元，较上年同期多增227.5亿元。 各项贷款稳步增长。年初以来，全省住户经营、三农、绿色贷款等重点领域信贷投放力度进一步加强。 截至2025年6月末，全省金融机构人民币各项贷款余额28774.9亿元，剔除隐债置换及中小银行改革化险 等非可比因素，实际增速可达5.3%。 各项存款同比多增。6月末，全省人民币各项存款余额49132.3亿元，同比增长9.7%，比年初增加2667.3 亿元，同比多增980.8亿元。其中，住户存款余额36412.3亿元，同比增长9.5%，比年初增加1446.0亿 元，余额和增量分别占全省存款总量的74.1%和54.2%。 同时，中国人民银行黑龙江省分行、国家外汇局黑龙江省分局持续提升涉外经济服务质效。稳步扩大跨 境人民币使用，开展助力国有企业跨境人民币使用专项行动，推动跨境人民币优质企业实现跨省共享互 认，扩大综合金融服务队对接企业覆盖范围。上半年，全省跨境人民币实际收付343.6亿元，同比增长 20.6%。跨境人民币业务市场主体增至1872家，同比增长1 ...

Core Insights - Nansha, located at the geometric center of the Guangdong-Hong Kong-Macao Greater Bay Area, is set to undergo significant changes due to new supportive policies aimed at enhancing financial innovation and cooperation [1][2][6] Financial Market Connectivity - The Greater Bay Area is recognized as one of the most open and economically vibrant regions in China, with Nansha being a key area for financial reform and innovation, having implemented various policies such as QFLP pilot programs and integrated currency pools [1][2] - Nansha has established itself as a unique zone receiving national-level financial opening policies three times, fostering eight distinctive financial sectors including cross-border finance and shipping finance [1][2] Cross-Border RMB Business - The "Nansha Financial 30 Measures" emphasizes the promotion of cross-border RMB business innovation, with a reported RMB 2.49 trillion in cross-border RMB settlement in the Greater Bay Area from January to April 2025, marking a 28.8% year-on-year increase [2][3] - Nansha aims to leverage its position to enhance the effectiveness of cross-border RMB services for the real economy, supporting new trade settlement models and facilitating international shipping fee settlements in RMB [2][3] Technological and Digital Financial Innovation - The policy encourages the development of diversified intellectual property financial services, with a focus on technology and digital finance, as evidenced by the rapid credit assessment capabilities provided by the "Suiqi Cloud" platform [4][5] - Financial institutions are actively launching combined financial services such as "technology special loans + external direct investment" to address short-term funding needs while supporting long-term development [5][6] Market Response to Policy - The introduction of the "Nansha Financial 30 Measures" is seen as a critical step in deepening financial reform and supporting the Greater Bay Area's development as a high-level open portal [6][7] - Various financial institutions, including the Guangzhou Data Exchange, are quickly adapting to the new policies, forming international ecosystems for digital asset transactions and enhancing cross-border cooperation in futures and insurance [6][7] Nationwide Implications - The financial innovations and practices in Nansha are expected to serve as a reference for other regions in addressing financing challenges for technology innovation and enhancing financial market connectivity with overseas markets [7][8] - The ongoing reforms in Nansha are anticipated to accelerate the multiplier effect of financial reforms across the country, with a focus on improving regulatory frameworks and operational processes to facilitate cross-border investments [8]

Core Viewpoint - The People's Bank of China, Henan Branch, reported significant growth in cross-border RMB business in the first half of 2025, with nearly 12,000 enterprises participating and a total settlement amount exceeding 1.7 trillion RMB, aimed at stabilizing foreign trade and investment in the province [4][5]. Group 1: Policy Expansion - The policy coverage is continuously expanding, with banks conducting special actions to attract first-time users of cross-border RMB services, resulting in 4,349 enterprises engaging in such business, including 965 new first-time users in the first half of the year [4][5]. Group 2: Settlement Volume Growth - The total cross-border RMB receipts and payments reached 180.69 billion RMB, marking a year-on-year increase of 30.8%, with the total amount being the highest for the same period and leading among six provinces in Central China. Specifically, cross-border RMB settlements for goods trade amounted to 122.42 billion RMB, up 34.5% year-on-year [5]. Group 3: Service Improvement - The convenience of cross-border RMB business is being enhanced through electronic document review and simplified settlement processes, with 473 high-quality enterprises now receiving enhanced services, an increase of 103 from the previous year. A feedback mechanism has been established to address issues faced by enterprises during the process [5]. Group 4: Future Focus - The People's Bank of China, Henan Branch, plans to further improve the convenience of cross-border RMB settlements and optimize the experience of RMB usage, aligning with national strategies to support stable foreign trade and investment [5].

Core Insights - Jiangsu's cross-border RMB business has experienced significant growth, with total revenue and expenditure increasing from 0.95 trillion yuan to 2.8 trillion yuan from 2020 to 2024 [1] - The proportion of cross-border settlements in local currency has also risen from 17.1% to 32.6% during the same period [1] Group 1 - The People's Bank of China Jiangsu Branch is actively promoting local banks' direct access to the Cross-border Interbank Payment System (CIPS), enhancing transparency and convenience in cross-border clearing [1] - The establishment of a unified bank settlement account system for both domestic and foreign currencies in Jiangsu's free trade zone has further improved trade facilitation [1] Group 2 - Nanjing Bank has signed a cross-border RMB agency settlement service agreement with Morocco's African Bank, marking a milestone since its approval as a direct participant in CIPS [2] - The collaboration aims to enhance cross-border cooperation and provide integrated financial services to support domestic enterprises expanding into Africa [2] - The Jiangsu Branch of the People's Bank of China plans to support more local banks in joining CIPS as direct participants to improve cross-border clearing efficiency [2]

Core Viewpoint - The central bank has allowed banks in Fujian Province to facilitate cross-border RMB payment services for Taiwanese residents involved in legal and compliant real estate transactions in the region [1] Group 1 - Banks in Fujian Province can process cross-border RMB payments related to real estate transactions for Taiwanese residents [1] - The services provided by banks must adhere to the "three business principles" established by the central bank [1]

Core Viewpoint - The article discusses the recent fluctuations in the RMB exchange rate against the USD, highlighting the impact of various economic factors and the growing use of RMB in cross-border transactions, particularly in the context of the Belt and Road Initiative. Exchange Rate Dynamics - On May 9, both onshore and offshore RMB fell below 7.25 against the USD before recovering slightly [1] - The USD index rose significantly by 1.03% on May 8, reaching a one-month high of 100.639, influenced by strong employment data and a limited trade agreement between the US and the UK [1] - The article notes that the RMB exchange rate is expected to fluctuate around a new central point, with the central bank focusing on correcting one-sided expectations [4] RMB Liquidity and Interest Rates - Recent data shows a decline in offshore RMB liquidity indicators, with CNH Hibor rates falling across various maturities, indicating ample liquidity in the offshore RMB market [7][8] - The one-month CNH Hibor dropped by 8 basis points, reflecting a decrease in the difficulty of obtaining RMB in the Hong Kong market [8] Cross-Border RMB Usage - In March, RMB accounted for approximately 4.1% of global payment shares, significantly lower than the USD's 49% [10] - The CIPS system has seen steady growth since its launch in 2015, processing a total of approximately 600 trillion yuan in payments by the end of 2024, with a 43% year-on-year increase in cross-border RMB payments [10] - The proportion of RMB used in cross-border transactions by Chinese investors and trade companies reached a record high of 54.3% in March, totaling 72.49 billion USD [12] Regional Developments - Cross-border RMB transactions with Malaysia and Cambodia have surged, with transaction amounts increasing by 27% and 45% respectively in the first quarter of the year [13] - The increase in cross-border RMB usage is attributed to deepening monetary sovereignty and industrial trust between China and its trade partners, particularly in the context of the RCEP framework [13]

Core Viewpoint - The offshore RMB has surpassed the 7.20 mark against the USD for the first time since November last year, indicating a significant appreciation in the currency's value [1]. Group 1: Currency Movements - The offshore RMB rose over 130 points, breaking the 7.20 threshold against the USD [1]. - The New Taiwan Dollar also experienced a significant increase, with the USD/TWD exchange rate dropping to 29.50, a 3.95% decline, marking the highest level since February 8, 2023 [1]. Group 2: Economic Fundamentals - According to Guo Tao, Chief Economist at Bank of China, the foundation for maintaining a stable RMB exchange rate remains solid, supported by domestic economic recovery and confidence [2]. - Positive factors such as policy shifts since late last year, risk mitigation, and technological empowerment are contributing to the stability of the RMB [2]. - China possesses significant institutional advantages, including a large market, complete industrial system, and effective governance mechanisms, which bolster its ability to withstand external shocks [2]. Group 3: Capital Market Insights - The People's Bank of China (PBOC) has emphasized its commitment to maintaining a stable RMB exchange rate, with a clear policy stance and the capability to manage market expectations [3]. - The PBOC has substantial foreign exchange reserves of $3 trillion, enhancing its ability to stabilize the RMB in offshore markets [2]. Group 4: Cross-Border RMB Usage - In Q1, cross-border RMB transactions with Malaysia reached 102 billion RMB, a 27% year-on-year increase, while transactions with Cambodia grew by 45% to 5 billion RMB [4]. - The surge in cross-border RMB usage reflects deepening monetary sovereignty and industrial trust between China and its trade partners [4]. - The RMB is forming a new model of trade dominance within the RCEP framework, linking projects and finance [4].

Core Viewpoint - The article discusses the recent fluctuations in the offshore RMB exchange rate against the US dollar, highlighting the stability of the RMB and the positive outlook for cross-border RMB transactions due to ongoing economic cooperation initiatives. Group 1: RMB Exchange Rate Fluctuations - As of May 5, the offshore RMB broke the 7.20 mark against the US dollar for the first time since November of the previous year, with an intraday increase of over 130 points [1] - The New Taiwan dollar also saw significant appreciation, with the USD/TWD exchange rate dropping below 30, marking a 3.95% decline, the highest since February 8, 2023 [3] - The FTSE China A50 index futures rose by 0.57%, while the US dollar index fell to 99.66 [5] Group 2: Stability of RMB Exchange Rate - According to Guo Tao, Chief Economist at Zhongyin Securities, the RMB exchange rate has a solid foundation for stability, supported by domestic economic recovery and various positive factors [8] - The People's Bank of China (PBOC) has emphasized its commitment to maintaining the RMB exchange rate at a reasonable and balanced level, with a robust foreign exchange reserve of $3 trillion enhancing its ability to stabilize the currency [8][9] - The PBOC has taken multiple measures to ensure exchange rate stability, including addressing market behaviors that disrupt order and preventing excessive fluctuations [13] Group 3: Cross-Border RMB Business Growth - The cross-border RMB business has seen significant growth, with transactions between China and Malaysia reaching 1,020 billion RMB in Q1, a 27% year-on-year increase, and transactions with Cambodia growing by 45% [15] - The increase in cross-border RMB usage reflects deeper monetary sovereignty and industrial trust between China and its trade partners [15][16] - The RMB is forming a new model of trade dominance within the RCEP framework, enhancing trade efficiency and local asset reserve attributes in the Asia-Pacific region [16]

Financial Overview - In the first quarter, Shandong's social financing scale grew better than the national average, with a year-on-year increase of 10.5%, compared to the national growth of 2.13 percentage points lower [2] - The total financial value in Shandong increased steadily, with the financial industry's added value growing by 5%, surpassing the national growth rate by 1.2 percentage points [2] Interest Rates and Financing Costs - The average interest rate for newly issued corporate loans in Shandong was 3.69%, a decrease of 0.27 percentage points year-on-year, while the average interest rate for debt financing tools was 2.49%, down by 0.53 percentage points [3] - The cost of loans for agricultural and small enterprises was lower by over 0.3 percentage points compared to other funding sources [3] Real Estate Financing - Real estate financing in Shandong showed stable growth, with a total of 820 projects included in the "white list" for financing, amounting to a loan balance of 197.4 billion yuan [4] - The monthly average issuance of real estate development loans in 2024 reached 1.32 times that of 2023, indicating a recovery in housing loan demand [5] Support for Private Enterprises - Over 11,000 private enterprises benefited from ongoing financial support services, with 5,130 companies receiving a total of 110.65 billion yuan in financing [6] - The balance of loans to non-state-owned enterprises reached 3.21 trillion yuan, an increase of 186.98 billion yuan since the beginning of the year [6] Inclusive Finance - The balance of inclusive small and micro loans reached 2.2 trillion yuan, with a year-on-year growth of 14.1% [7] - Shandong has initiated a financial asset investment company pilot program, signing 13 funds with an initial scale exceeding 10 billion yuan [7]

央行上海总部：2024年上海跨境人民币收付总额合计29.8万亿元，同比增长 30% 【环球网财经综合报道】3月24日，据人民银行上海总部消息，近日，人民银行上海总部召开2025年上海市跨境人民币业务工作会议，回顾2024年上海跨境 人民币业务工作，分析当前扩大人民币跨境使用面临的形势，并就下一阶段工作作出部署。会议指出，2024年，上海跨境人民币业务成效显著，不仅实现了 量的增长，还实现了质的提升。全年上海跨境人民币收付总额合计29.8万亿元，同比增长30%，继续保持全国第一。 二是创新跨境人民币业务金融服务，提升跨境人民币业务服务能级。对外服务方面，海外资源丰富的银行要充分发挥优势，通过"离岸＋在岸"联动服务模式 加强境内外联动，提供一揽子人民币综合金融服务。对内服务方面，各家银行要不断探索经营新模式，满足客户差异化的金融服务和产品需求，提升自身国 际竞争能力。此外，要充分利用人民币跨境支付系统（CIPS）全球网络优势，切实提升市场主体使用人民币进行跨境结算体验感。 三是强化展业能力，推动更高水平贸易投资便利化。各家银行要充分发挥网点营销优势，大力宣传跨境贸易人民币结算便利化政策，培育市场主体的人民币 结算 ...