Core Viewpoint - Guangfa Bank is actively promoting the internationalization of the Renminbi and enhancing financial services in the Guangdong-Hong Kong-Macao Greater Bay Area, aiming to facilitate the real economy and support national strategies [1][2]. Group 1: Cross-Border RMB Business Development - Guangfa Bank has launched cross-border dual-direction transfer of trade financing assets with RMB settlement in the Greater Bay Area, effectively reducing financing costs for enterprises and enriching the circulation channels of RMB in the region [2]. - The new policy from the People's Bank of China allows for both inbound and outbound transactions, expanding the scope of trial institutions and enhancing the cross-border transfer of financial assets [2][3]. - Guangfa Bank has been recognized as an advanced unit in cross-border RMB business by the People's Bank of China for two consecutive years, reflecting its growing influence in this sector [3]. Group 2: Comprehensive Financial Services - The bank offers a "Cross-Border RMB Express" service that provides a full range of online settlement, trade financing, cross-border guarantees, investment, and capital operation services to meet the financial needs of enterprises [4]. - Through technological empowerment, the bank enables enterprises to conduct cross-border RMB remittances and other transactions online without leaving their premises [5]. - Guangfa Bank's services include various financing products such as cross-border RMB credit letter forfaiting, import and export payments, and packaged loans, aimed at reducing financing costs for enterprises [5].

Core Viewpoint - The cross-border RMB business is crucial for facilitating trade and investment, and supporting the development of the real economy, with Weifang Bank making significant progress in this area under the guidance of the People's Bank of China [1][5]. Group 1: Service to the Real Economy - Weifang Bank focuses on understanding enterprise needs and promotes the concept that "settling in local currency is cheaper and more convenient" [1]. - The bank assists companies like a certain electrical company in Shandong by addressing issues related to exchange rate fluctuations and cash flow, facilitating RMB settlement agreements with foreign clients [1]. - By implementing a time-limited processing method for trusted enterprises, Weifang Bank ensures that funds are credited on the same day, enhancing cash flow efficiency [1]. Group 2: Business Quality and Efficiency - Weifang Bank has successfully launched the CIPS standard sender-receiver, becoming the first bank in Shandong to adopt the API model, which simplifies document processing and enhances cross-border payment efficiency [2]. - The bank offers a comprehensive cross-border RMB service solution that includes account opening, cross-border settlement, and trade financing, addressing various challenges faced by enterprises in international business [2]. Group 3: Promotion and Outreach - Weifang Bank utilizes its 134 branch network to promote cross-border RMB policies through various channels, including electronic displays and community events, reaching over 1,100 foreign trade enterprises and 6,000 individuals [3]. - The bank organizes targeted outreach activities, such as the "Lumaohui Enterprise Service Team," to provide direct services to enterprises and enhance policy awareness [3]. Group 4: Support for Small and Micro Enterprises - Weifang Bank provides integrated cross-border RMB services to small and micro foreign trade enterprises, helping them navigate challenges like exchange rate risks and cash flow issues [4]. - The bank has developed tailored financing solutions for companies facing funding gaps, ensuring timely access to trade financing loans [4]. - Emphasizing a structured approach, the bank has established a dedicated team to ensure the smooth implementation of activities and enhance employee capabilities through systematic training [4]. Group 5: Future Outlook - Weifang Bank aims to continue innovating service models and optimizing business processes to support the growth of cross-border RMB business and the prosperity of foreign trade enterprises and the real economy [5].

Core Insights - The People's Bank of China Guizhou Branch reported that in the first half of 2025, 470 enterprises in the province conducted cross-border RMB transactions totaling over 13 billion yuan [1][3]. Group 1: Cross-Border RMB Business Overview - In the first half of the year, the total cross-border RMB payment and receipt amount reached 13.16 billion yuan, with a year-on-year increase of 12.7% [3]. - The RMB payment and receipt under current accounts and direct investment amounted to 10.19 billion yuan, accounting for 31.7% of the total foreign currency payment and receipt, an increase of 3.4 percentage points compared to 2024 [3]. - The number of enterprises engaging in cross-border RMB business increased by 31 compared to the same period last year [3]. Group 2: Policy and Institutional Support - The People's Bank of China Guizhou Branch established a cross-border RMB working group in collaboration with multiple departments to enhance information sharing and policy coordination [3]. - A set of 12 key tasks for cross-border RMB business was outlined in the "2025 Guizhou Province Cross-Border RMB Business Work Points" document [3]. - Training sessions on exchange rate risk management and cross-border RMB operations were organized for 58 state-owned enterprises [4]. Group 3: Banking Infrastructure and Services - All 25 commercial banks qualified for international settlement in the province engaged in cross-border RMB business, with 247 operational outlets across 9 cities [4]. - A total of 31.2 billion yuan in facilitation business was processed by 84 enterprises in the province [4]. - The "Cross-Border Payment Channel" initiative has been implemented, with pilot banks processing over 32 million yuan by July 30 [4]. Group 4: Trade and Investment Dynamics - Goods trade and direct investment dominated the cross-border RMB transactions, accounting for 50.8% and 16.6% of the total, respectively [5]. - Key contributors to the growth in RMB settlements for goods trade included exports of liquor and imports of bulk commodities like copper and iron ore [5]. - The number of countries and regions engaging in RMB cross-border transactions with Guizhou reached 79, an increase of 3 from the previous year [5].

Core Insights - The financial sector in Tibet has shown significant growth in the first half of the year, with a notable increase in social financing and loans, supporting the region's economic recovery [1][2] Financial Growth - As of June, the total social financing in Tibet reached 944.73 billion yuan, marking a year-on-year increase of 6.19% - The balance of various loans in both domestic and foreign currencies was 656.82 billion yuan, reflecting a growth of 9.25% since the beginning of the year - The financial industry's added value grew by 26.7% year-on-year, contributing 2.9 percentage points to the regional GDP [1] Financial Services Improvement - In the technology finance sector, loans amounting to 14.44 billion yuan were issued to 156 technology enterprises, with a total technology loan balance of 135.40 billion yuan, up 18.18% year-on-year - Green finance initiatives included carbon reduction loans of 6.89 billion yuan, with a total green loan balance of 195.62 billion yuan, increasing by 12.2% since the start of the year - Inclusive finance efforts resulted in 76 financing connection events, providing 1.21 billion yuan to 425 enterprises, with a total balance of inclusive small and micro enterprise loans at 52.96 billion yuan, up 25.72% year-on-year [2] Key Sector Support - Various sectors such as infrastructure, personal consumption, real estate, manufacturing, and agricultural loans have all experienced growth, providing essential support for development [2] Financing Costs - The average interest rates for newly issued general commercial loans, corporate loans, and inclusive small and micro loans were 1.46%, 1.39%, and 1.15% respectively, showing a year-on-year decrease of 0.34, 0.45, and 0.51 percentage points [2] Cross-Border RMB Business - By the end of June, four banks in the region had opened five RMB interbank accounts, establishing a RMB fund clearing network - The cross-border payment service launched on June 22 processed 286 transactions totaling 2.3763 million yuan - The total cross-border RMB payment volume with neighboring countries increased by 71.72% year-on-year [3]

Core Insights - The financial system in Tianjin is operating steadily, with both deposits and loans showing growth, and significant expansion in social financing, supported by financial technology innovations and strong performance in cross-border RMB business [1][2][3] Group 1: Deposit and Loan Growth - As of the end of June, the total deposit balance in Tianjin reached 4.92 trillion yuan, a year-on-year increase of 7.4%, with new deposits of 179.7 billion yuan, which is 55 billion yuan more than the previous year [1] - The total loan balance in Tianjin was 4.77 trillion yuan, reflecting a year-on-year growth of 3.2%, with new loans amounting to 152.7 billion yuan [2] - The structure of loans has improved, with significant growth in loans to key industries such as accommodation and catering (66.9% increase) and information technology services (40.8% increase) [2] Group 2: Social Financing and Credit Support - The total social financing scale in Tianjin increased by 305.8 billion yuan in the first half of the year, which is 70.8 billion yuan more than the previous year [2] - Notable increases in financing include net increases in corporate bond financing (16.5 billion yuan) and local government bond financing (108 billion yuan) [2] - The "Jing-Jin-Ji Credit Chain" has been established to enhance credit information sharing, with nearly 9.23 million credit product calls made by financial institutions, supporting over 4.48 million loan recipients [3] Group 3: Cross-Border RMB Business - The cross-border RMB payment amount in Tianjin reached 275.5 billion yuan in the first half of 2025, marking a year-on-year growth of 19.3% [3] - Key breakthroughs include the issuance of 220 million yuan in cross-border loans to Egypt and the upgrade of financial infrastructure to enhance cross-border settlement efficiency [4] - The launch of the "Cross-Border Payment Pass" has enabled instant remittance services to Hong Kong, processing 1,745 transactions totaling over 8.8 million yuan since its launch [4]

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]