通道带物流、物流带经贸、经贸带产业 重庆市常务副市长陈新武介绍，比如将在重庆设立西部陆海新通道基金，高效聚合国际国内、国有民营 等多方资本，推动股权、债权融资，破解基础设施建设及跨区域产业发展筹资的难题。带动跨境金融、 供应链金融等系列服务创新，为西部陆海新通道建设提供强大的金融支撑。 此外，为推动"金融+物流"深度融合，举措还聚焦通道物流跨境结算和融资服务，深化专属金融产品创 新，解决企业融资难、结算慢等痛点。 陈新武介绍，比如加快发展多式联运一单制金融保险服务，既能实现一次委托、一次保险、一单到底， 减少陆海联运分单运输的责任纠纷。同时，货物在运输过程中可用于质押融资，加快企业资金周转，从 而显著提升物流及外贸企业的信贷可获得性和保障保险水平。 提升跨境结算投融资便利度 发布会上，中国人民银行相关负责人提出，《意见》聚焦通道基建、物流、产业、商贸等关键领域。引 导金融机构开发特色化、差异化、适配性金融产品，保障不同主体、不同发展阶段多元化的资金融通和 便利结算需求。 在跨境结算方面，举措支持在有条件地区开展跨国公司本外币一体化资金池业务试点。 金融"组合拳"为西部陆海新通道建设提供强大支撑 中国人民银行1 ...

Core Viewpoint - The People's Bank of China has introduced the "Opinions on Financial Support for Accelerating the Construction of the Western Land-Sea New Corridor," focusing on a multi-layered and diversified financial support system to enhance infrastructure and logistics in the region [1][9]. Group 1: Financial Support Initiatives - The initiative includes 21 key measures across six areas to support the construction of the Western Land-Sea New Corridor, emphasizing the integration of logistics, trade, and industry [1]. - A new fund will be established in Chongqing to aggregate various capital sources, including domestic and international investments, to facilitate financing for infrastructure and cross-regional industrial development [3]. - The measures aim to innovate financial products and services to address challenges such as slow settlement and financing difficulties for enterprises [5]. Group 2: Cross-Border Financing and Settlement - The initiative promotes the development of multi-modal transport financial insurance services to streamline logistics and reduce disputes in land-sea transport [7]. - It supports the establishment of integrated currency pools for multinational companies in designated areas to enhance cross-border settlement efficiency [9][10]. - The program allows qualified non-financial enterprises to directly handle foreign debt registration at banks, facilitating cross-border financing for high-tech and small to medium-sized enterprises [10]. Group 3: Digital Financial Services - The People's Bank of China plans to support the construction of a digital financial service platform specifically for the Western Land-Sea New Corridor, enhancing the efficiency of financial services [14][17]. - There is an emphasis on promoting the use of central bank digital currency in cross-border payments, aiming to improve transaction efficiency [13][16]. - The initiative also seeks to address data silos and system barriers in cross-border and cross-province transactions through integration with international trade platforms [17].

Core Viewpoint - The establishment of the Hainan Free Trade Port and the implementation of the EF account system significantly enhance cross-border capital flow management, providing robust financial support for trade and investment in the region [1][2]. Group 1: EF Account Advantages - The EF account serves as a key infrastructure for financial openness, creating an efficient, convenient, and risk-controlled closed loop for cross-border capital flow [2]. - The account allows for free transfer of funds between offshore and non-resident accounts without prior registration for most capital account transactions, facilitating near-offshore market access for enterprises [2][3]. - The integration of onshore and offshore currency management within a single account reduces financial costs and exchange rate risks for businesses [3]. Group 2: New Opportunities for Banks - The zero tariff and low tax rate policies in Hainan are reshaping the economic landscape, creating a "new blue ocean" for cross-border financial services [4][5]. - There is a growing demand for cross-border settlement services due to the increase in processing trade models, which banks can support through the EF account [4][5]. - The deepening of tax incentives and pilot programs is attracting investment institutions and multinational companies to establish operations in Hainan, necessitating comprehensive financial solutions from banks [5][6]. Group 3: Strategic Bank Layout - Banks should enhance the application of EF accounts by providing customized solutions for different types of enterprises, integrating cross-border settlement with trade financing and risk management [6]. - Focusing on key industries such as tourism, modern services, and high-tech sectors, banks can offer comprehensive cross-border financial services tailored to these sectors [6]. - Collaboration between various banking departments and external resources is essential to provide integrated services that meet the needs of cross-border operations [6]. Group 4: Risk Management in Cross-Border Finance - The main risks in cross-border capital flow include compliance risks and market volatility, which require banks to enhance their risk management capabilities [7][8]. - A robust monitoring and early warning system for cross-border capital flows is necessary to identify and mitigate potential systemic risks [8]. - Banks must implement strict customer due diligence and transaction reviews to prevent fraudulent activities and ensure compliance with regulations [8][9].

【大河财立方消息】12月24日，中国人民银行、国家发展改革委、财政部、交通运输部、商务部、金融 监管总局、中国证监会、国家外汇局联合发布《关于金融支持加快西部陆海新通道建设的意见》。 其中提出，深化通道物流领域专属金融产品创新。加大对沿线省（区、市）金融支持，鼓励银行向符合 条件的中小微物流企业提供合理融资和票据贴现支持。加大物流企业发展的信贷支持。鼓励银行紧跟物 流融资需求创新信贷产品，推广综合授信、随借随还贷款模式。 支持云南、广西、内蒙古、西藏、新疆边境口岸开展边民互市贸易代理人付汇业务，加强部门间协作， 推动实现互市贸易交易、结算、报关全链条信息共享。 在重庆设立西部陆海新通道基金，支持沿线基础设施和产业园区建设。探索按照市场化、法治化原则， 对存量通道基建项目债务给予转股等政策支持。 争取亚洲开发银行、亚洲基础设施投资银行、丝路基金等战略资源支持，鼓励发展混合融资。 探索境内外金融市场互联互通。支持符合条件的银行在遵守监管规定和宏观审慎框架下向东盟国家企业 或项目发放跨境贷款。加强沿线省（区、市）与粤港澳大湾区发展衔接，支持企业依法合规赴新加坡、 香港融资。深化合格境外有限合伙人（QFLP）试点。 ...

持守情怀，于长久征程中锚定奋斗初心。自贸港建设是一项需要历史耐心与战略定力的长远事业。 当初期激情沉淀为日复一日的坚守，如何在平凡中保持热忱、在漫长中坚定方向，成为更深层的考验。 我们要认识到，伟大征程由无数"今日"铺就——耐心化解的每一起纠纷，都在营造可信的消费环境；悉 心指导的每一项合规，都在优化国际化的营商土壤。将个人工作的小齿轮精准嵌入国家战略的大引擎， 便能从具体付出中获得超越岗位的意义感与价值感。这要求我们涵养功成不必在我的境界，砥砺功成必 定有我的担当，甘做栽树人，愿为铺路石，在多元预期与复杂环境中保持战略定力，以内心的从容坚定 应对外界的风云变幻。 海南自由贸易港全岛封关运作，标志着国家战略迈入全新阶段。身处一线的市场监管青年干部，正 站在变革的前沿。封关初期的工作看似寻常，却蕴含着深刻的时代命题。唯有以新视角审视职责、以新 标准要求自身，才能在看似不变的日常中，迎接真正深刻的变革。 守正创新，于日常经纬间筑牢时代根基。面对封关初期市场的深刻重塑，我们既要坚守职责本分， 更需在常规工作中培育前瞻视野。处理消费投诉时，应主动研判跨境模式可能带来的普遍影响；核查经 营主体时，须审慎评估其在全新政策 ...

21世纪经济报道记者李览青 在原行长陈海强升任董事长后，浙商银行行长人选也已落定。 12月23日晚间，浙商银行（601916.SH）公告，根据中共浙江省委决定，吕临华担任浙商银行党委委 员、党委副书记，并提名董事、行长人选，陈海强不再担任行长职务。公司董事会将尽快完成相关法定 程序。 今年5月，吕临华在《中国金融》杂志发表《科技金融浪潮下农商银行的探索》一文指出，浙江农商银 行系统立足浙江民营经济大省和杭州市、嘉兴市科创金融改革试验区，在推动科技金融发展、助力浙江 高质量发展建设共同富裕示范区中形成了"四专一生态"科技金融服务体系。 公开信息显示，2022年7月起，吕临华在浙江农商联合银行担任党委委员、副行长。在此之前，吕临华 有多年金融监管部门工作经历，曾在浙江保监局、浙江银监局任职，担任浙江保监局办公室主任，并作 为新闻发言人对外发声。 作为全国深化农信社改革的"第一单"，2022年4月，浙江农商联合银行正式挂牌成立。目前该行下辖82 家县（市、区）农商银行、农信联社，拥有网点4000余个，金融服务点1万余家，员工5万余人。截至 2025年6月末，浙江农商银行系统全系统（含村镇银行、温州银行）管理资产总额 ...

Core Viewpoint - Hainan is positioned as a key experimental zone for reform and opening up in the new era, with financial services playing a crucial role in its development, as demonstrated by the achievements of the Bank of Communications Hainan Branch [1]. Group 1: Supporting the Real Economy - The Bank of Communications has implemented a special service plan for supporting Hainan's free trade port development for five consecutive years, translating it into tangible results [4]. - The bank has directed credit resources towards key areas of the real economy, including opening green approval channels for projects like Boao Airport and Sanya Phoenix Airport, ensuring construction progress [4]. - In the direct financing market, the bank plans to increase its investment in local bonds to 6.5 billion yuan in 2024 and has cumulatively underwritten credit bonds exceeding 3.4 billion yuan, providing stable funding for local development [4]. Group 2: Leading Cross-Border Financial Services - As one of the first banks to pilot multi-functional free trade accounts (EF accounts), the Bank of Communications Hainan Branch has achieved a business volume exceeding 46 billion yuan by the end of October 2025, leading among state-owned banks in the province [5]. - The bank has supported the Hainan provincial government in issuing offshore RMB local bonds in Hong Kong for four consecutive years and facilitated the first investment in local government bonds through EF accounts in September 2025 [5]. Group 3: Comprehensive Empowerment Across Industries - The bank focuses on key industries, providing "park guarantee loans" to small and micro enterprises in the Sanya Yazhou Bay Science and Technology City and supporting the cultural tourism industry by underwriting 1.4 billion yuan in medium-term notes for Hainan Tourism Investment Development Co., Ltd [6]. - The proportion of online inclusive loans has reached 75%, with the balance of inclusive loans for small and micro enterprises exceeding 8.8 billion yuan [6]. - The bank has innovated in public welfare finance, launching the first digital RMB tax refund business in the country and collaborating with local authorities to protect workers' wages through a payment supervision system [6]. Group 4: Global Collaboration for Future Development - The bank is enhancing its forward-looking layout to embrace a higher level of openness, deepening the application of EF accounts in offshore bond issuance and new types of offshore international trade settlements [7]. - It aims to strengthen domestic and international linkages to facilitate Hainan enterprises in cross-border mergers and acquisitions, overseas listings, and global financing [7]. - The bank plans to attract more foreign asset management institutions to Hainan and improve payment convenience for foreign individuals through expanded merchant coverage and optimized foreign currency exchange services [7].

【预计简 Real 2012 2257 @中国新闻网 从结算到信贷：西藏跨境金融活水 滋养中尼南亚边贸新 通道 评论 12-20 21:12 ...

未来，交通银行将依托经营综合化、服务全球化优势，持续丰富财富管理服务体系，深化跨境金融创 新，为粤港澳大湾区客户提供更加全方位、跨市场、一体化的综合金融服务。 ◎记者 周亮 近日，交通银行"沃野万理·共见未来——沃德财富万里行"全国巡回路演深圳站活动在深圳举行。 交通银行业务总监涂宏在致辞时称，在当前复杂多变的全球经济形势下，交通银行始终坚持以客户为中 心，通过专业化的财富管理服务，助力客户实现资产稳健增值。 持续丰富财富管理服务体系 此次"沃德财富万里行"深圳站活动是继北京、上海、广州之后全国巡回路演的第四场线下活动。 "沃德财富万里行"是交通银行架构调整后的首个市场推广项目，标志着交通银行在服务国家战略、深化 财富管理业务改革、满足客户需求方面迈出重要一步。 "十五五"规划建议提出，多渠道增加城乡居民财产性收入。近日举行的中央经济工作会议将"坚持内需 主导，建设强大国内市场"列为明年经济工作重点任务，提出"深入实施提振消费专项行动，制定实施城 乡居民增收计划"。 涂宏表示，交通银行做优做强财富管理业务，既是落实国家战略部署、促进共同富裕的重要举措，更是 商业银行顺应市场及客户需求的必然选择。 深圳以独特的 ...

Core Insights - The establishment of the Hainan Free Trade Port is expected to significantly enhance cross-border payment and settlement processes, reducing fees by up to 50% for traders and cross-border e-commerce businesses [1][3] - The EF account system has been implemented, facilitating cross-border transactions and is projected to see a substantial increase in foreign loans, with a year-on-year growth of 248.53% by October 2025 [1][6] - Financial institutions are rapidly entering Hainan, with banks and non-bank financial entities expanding their operations in anticipation of the benefits from the free trade port [1][5][7] Financial Infrastructure Development - The EF account and cross-border fund concentration center are transforming the perception of Hainan as a financial hub for trade [4] - Hainan's financial landscape allows for dual licensing of financial enterprises, enhancing flexibility in cross-border payments and small currency settlements [3] - The integration of international payment solutions and digital applications is expected to improve cross-border consumption and personnel exchanges in Hainan [4] Banking Sector Dynamics - Major banks are intensifying their presence in Hainan, with state-owned and joint-stock banks enhancing their resources and institutional frameworks [5] - The establishment of cross-border financial centers and strategic partnerships with local financial institutions indicates a robust commitment to developing Hainan's financial ecosystem [5] - The anticipated increase in cross-border fund flow efficiency and innovative account systems may create new business opportunities for banks [5] Non-Bank Financial Institutions - Non-bank financial institutions are emerging as a significant force in Hainan's financial system, with leasing companies entering the market to explore new business models [7] - The establishment of a gold trading infrastructure in Hainan marks a significant development, enabling a closed-loop for gold-related financial services [7] - Continuous entry of insurance, reinsurance, and specialized financial service providers is expected to further diversify Hainan's financial offerings [7]