Core Viewpoint - The National Financial Supervision Administration has issued a notice to enhance financial services for small and micro enterprises, aiming to stabilize expectations, stimulate vitality, and promote economic recovery through improved financing mechanisms and support for small businesses [1][5]. Group 1: Financial Support for Small and Micro Enterprises - The notice emphasizes the need for financial institutions to deepen support for small and micro enterprises, particularly in sectors like foreign trade, private enterprises, technology, and consumption [2][5]. - Financial institutions are encouraged to innovate credit products tailored to the unique needs of small and micro enterprises, utilizing data such as tax records and account flows to enhance credit offerings [2][4]. Group 2: Risk Management and Control - Banks are establishing comprehensive risk management systems to balance lending and risk control, ensuring that small and micro enterprises can access loans effectively [5][6]. - The implementation of a credit rating system using multi-dimensional data is suggested to better assess the creditworthiness of small enterprises and mitigate potential risks [5][6]. Group 3: Investment and Economic Growth - Financial institutions are urged to prioritize investments in agriculture modernization and rural revitalization, with specific targets for loan allocations to these sectors [3][4]. - Customized services for agricultural enterprises are being developed to ensure adequate funding and support for rural economic growth [3][4]. Group 4: Cross-Border Financial Services - Financial institutions are focusing on enhancing cross-border financial services to support small foreign trade enterprises, including risk management strategies for currency fluctuations [2][6]. - The promotion of cross-border RMB settlement services is highlighted as a means to facilitate international trade and reduce exchange costs for enterprises [2].

每经记者｜陈植 每经编辑｜张益铭 受外部贸易环境变化等因素影响，近年来全球各国货币汇率波动幅度加大。这令众多出海企业面临不小的汇率风险。 陈平（化名）盯着手机屏幕上的汇率曲线图，眉头拧成了死结。这位渔具出口商三年前将旗舰产品渔具推向非洲市场时，绝不会想到有一天因为部分非洲国 家货币汇率短短数天跌幅超过5%，令跨境电商业务一下子损失逾70%利润。 为了规避汇率风险，2023年下半年起，陈平开始通过远期外汇掉期交易进行锁汇，他给每笔订单都系上了"价格保险绳"。逐步化解资金结汇过程（外币兑换 成人民币）的汇率风险。 这样的故事在长三角制造业走廊上时有发生。随着全球贸易版图不断重组，多位业内人士指出，随着全球化格局日益碎片化，传统的以美元为中心的全球贸 易结算体系正悄然发生改变，转向更多元化的本币结算模式。 未来，更多国家本地货币将参与到全球贸易结算，这意味着中国出海企业将面临更复杂的汇率风险环境。尤其在跨境电商领域，众多中国出海企业正面临更 多的海外本地货币收款，令跨境电商面临更复杂的汇率风险环境。因此，无论是银行、还是第三方跨境支付机构，都应增加小币种的汇率风险对冲产品服 务，为中国出海企业抵御汇率风险保驾护航。 ...

Group 1: Analysis of RMB Exchange Rate Stability - Despite intensified US-China trade tensions and cumulative tariffs exceeding 100%, the RMB to USD exchange rate remains stable, even slightly appreciating, which exceeds market expectations [2][3] - External factors contributing to this stability include the depreciation of the USD due to a crisis of confidence, as well as the impact of Trump's policies that have led to a significant decline in the USD index, which has dropped over 7% this year [3][4] - Internal factors include the anticipation of external pressures reflected in the RMB's previous adjustments, as well as government measures to stabilize the market, such as the introduction of financial policies and the release of stabilizing signals in the exchange rate [4][6] Group 2: Future Support for RMB Exchange Rate - The RMB exchange rate is supported by four key factors: the negative impact of Trump's tariffs on the US economy, ongoing USD credit crises, the resumption of US-China economic dialogues, and the adequacy of China's policy reserves to stabilize market expectations [5][6] - The potential for a shift to two-way fluctuations in the RMB exchange rate is increasing, driven by the convergence of economic cycles and monetary policies between China and the US [6][7] Group 3: Corporate Exchange Rate Risk Management - Companies are advised to adopt a "risk-neutral" approach to manage exchange rate risks, avoiding unilateral bets on RMB appreciation or depreciation [8][9] - Recommended strategies include natural hedging through matching foreign exchange income and expenses, promoting the use of RMB for settlements, and utilizing foreign exchange derivatives to hedge against potential fluctuations [8][9]

人民网合肥5月10日电 (胡雨松)5月9日，由国家外汇管理局安徽省分局联合安徽省商务厅、安徽省国资委主办，中 国银行安徽省分行承办的"外汇护航 徽派出海"外汇政策暨汇率风险管理宣介会在合肥举办。 活动中，国家外汇管理局安徽省分局专家详细介绍了最新重点外汇政策，强调将持续推进外汇便利化改革，不断 提升服务实体经济质效。中国银行和中国工商银行的总行专家分别围绕外汇市场形势、综合"出海"服务等主题， 分享了支持企业汇率风险管理和"走出去"的实践方案。两家企业代表分享了汇率风险管理和外汇便利化政策运用 经验。 活动中，安徽省银行外汇和跨境人民币业务展业自律机制发布关于"引导企业树立汇率风险中性理念"的倡议书， 倡导银行加强宣传，引导企业树立"汇率风险中性"理念，为企业稳健经营保驾护航。 国家外汇管理局安徽省分局局长马骏在致辞中表示，近年来，国家外汇管理局安徽省分局认真落实党中央、国务 院关于稳外贸稳外资工作要求，服务安徽开放战略和发展大局，大力推进外汇管理改革创新，积极贯彻落实外汇 便利化政策，持续提升企业汇率风险管理服务水平，不断优化外汇营商环境。下一步将进一步加大力度，指导推 动金融机构用好用活各项外汇政策，并加 ...

"感谢工行在关键时刻为我们送来'及时雨'！不仅1天就贷出款来，还为我们压降融资成本将近20%，实 实在在为民营企业纾困解难！"苏州一家科技上市公司负责人动情地说。 当前，该企业产品对美出口受到影响，短期资金周转遇到困难。中国工商银行苏州分行（以下简称"苏 州工行"）及时了解情况后，根据企业实际生产经营及出货订单情况，为其量身定制了出口贸易融资业 务的专项服务方案，充分发挥集团优势，第一时间对接境外机构，内外联动发放1亿元跨境人民币融资 资金，当天即完成放款，得到了企业的高度认可。 面对复杂多变的国际经贸环境，苏州工行立足"便利、创新"，通过"四个主动"策略精准服务高水平对外 开放，为苏州外贸企业的持续经营和稳定发展保驾护航，以金融之力支持外贸高质量发展。 主动加强信贷支持，助力夯实外贸基本盘 立足地方所需，回应企业所盼。苏州工行主动加强信贷支持，精准对接外贸企业需求，持续丰富外贸金 融服务模式。 落实惠企利民新政。在国家外汇管理局苏州市分局的指导下，苏州工行成功落地政策施行当日首批贸易 外汇收支名录登记下放业务，覆盖苏州市区和辖属全部县域，切实增强贸易企业对便利化政策红利的满 意度和获得感，为外贸企业提供"您 ...