Core Viewpoint - Postal Savings Bank is actively integrating into the development of Hainan Free Trade Port by providing diverse financial services that support local policies and market demands, positioning itself as a key financial player in promoting high-quality development in Hainan [1] Group 1: Cross-Border Financial Services - Postal Savings Bank's Hainan branch leverages its parent bank's cross-border financial service platform and differentiated credit policies to offer tailored services for cross-border business clients [2] - The bank has accelerated the construction and acceptance of multi-functional free trade accounts, enhancing the level of cross-border financial services and has been approved as a pilot bank for high-level cross-border trade in Hainan [2] - These initiatives aim to improve capital efficiency and reduce transaction costs for enterprises, facilitating smoother cross-border trade operations [2] Group 2: Consumer Finance and Tourism - The bank has launched promotional activities such as offering 300 yuan duty-free shopping vouchers to attract tourists, enhancing the shopping experience in Hainan [3] - By collaborating with major duty-free brands and providing digital payment solutions, the bank aims to convert tourist traffic into repeat visitors, thereby boosting local consumption [3][4] - The bank's efforts in creating a "financial + consumption" ecosystem are designed to stimulate the tourism sector and enhance the overall visitor experience in Hainan [3] Group 3: Support for Technological Innovation - Postal Savings Bank is providing significant financial support to specialized and innovative enterprises, exemplified by a 45 million yuan funding to Hainan Zhongjian Cable, which has enabled the company to upgrade its technology and increase production capacity [5] - The bank's innovative financing models address the challenges faced by technology companies, such as lack of collateral and long R&D cycles, by offering personalized financing solutions [5] - The bank's commitment to building a technology finance service system aims to empower various innovative entities and drive industrial transformation in Hainan [5]

12月18日，海南自由贸易港（下称"海南自贸港"）正式启动全岛封关运作。 据王云峰介绍，进驻海南自贸港以来，汇丰已为多家国内外企业拓展跨境业务提供了金融支持，同 时利用汇丰的全球网络及服务优势，协助海南的政府机构和企业到境外资本市场融资，为自贸港发展引 入更多国际资本。 "封关后，我们预期海南将进一步发挥对外开放重要门户的作用，成为更多海内外企业拓展跨境贸 易的枢纽节点。"王云峰表示，站在历史的新起点上，汇丰将与其他金融机构一起，抓住自贸港封关带 来的新机遇，依托跨境金融业务优势，拓展跨境金融特色服务，为打造世界一流自贸港发挥金融桥梁作 用。 记者了解到，汇丰是首家进驻海南自贸港的国际性银行。对此，汇丰银行（中国）有限公司行长兼 行政总裁王云峰表示，海南自贸港全岛封关运作，是我国坚定不移扩大高水平对外开放、推动建设开放 型世界经济的标志性举措，也是自贸港建设的重要里程碑。 "作为中国高水平开放的'试验田'，海南自贸港的发展取得了举世瞩目的成绩，尤其是在对接国际 规则、扩大制度型开放层面。"王云峰指出，封关运作后，其贸易投资自由化便利化水平将进一步提 升，金融服务的创新和开放力度也有望实现更大突破，特别是在与海 ...

标志性举措 中国 狗 网 网 网 网 网 网 网 网 网 利 中新网12月18日电 题：建好自贸港，习近平强调三个"不" 12月18日，海南自由贸易港迎来正式封关运作的历史一刻。 "这是我国坚定不移扩大高水平对外开放、推动建设开放型世界经济的标志性举措。"一个多月前，习近平总书记在三亚听取海南自由贸易港建设工作汇 报时，这样强调海南封关的重要意义。 作为我国唯一的中国特色自由贸易港，海南自贸港建设蹄疾步稳、成型起势。过程中要注意什么？习近平总书记告诫："不能邯郸学步，不可任意妄 为，不可起浮躁之心。" 推进前所未有的系统性工程，三个"不"，彰显着推进改革的清醒与务实。 ——建设海南自贸港，要立足资源条件，因地制宜。 为何是海南？ 在扩大开放的版图上，海南能成为"关键落子"，根本原因在于独特的区位优势与开放的政策优势。 看地理位置，海南背靠超大规模国内市场，地处太平洋、印度洋两大水系交通要道，既是连接东南亚的天然桥梁，也是21世纪海上丝绸之路的关键节 点。 看发展轨迹，从边陲海岛，到如今全球资金、技术、人才汇集的开放门户，海南作为全国最大的经济特区、最大的自由贸易试验区，不仅得改革开放风 气之先，还是重要的改革 ...

Group 1: Core Changes in Trade and Economy - The launch of the customs closure operation in Hainan signifies a new phase in the construction of the Hainan Free Trade Port, enhancing China's overall openness [1][2] - The core policy features of the customs closure include "one line open, two lines controlled, and island-wide freedom," which will significantly improve the level of trade liberalization and facilitation [2] - Hainan is set to become one of the most open customs special supervision areas in China, transforming into an unprecedented "processing base" and "logistics hub" [2] Group 2: Impact on Enterprises and Consumers - Companies will benefit from cheaper and more efficient imports of raw materials, components, and high-end equipment, fostering high value-added industries such as processing manufacturing and cross-border e-commerce [2] - Consumers will experience a wider variety of imported goods and price advantages, with the potential for continued benefits from tourism shopping and duty-free policies [2] Group 3: Economic Structure Optimization - The customs closure will accelerate the optimization of Hainan's industrial structure and economic development model, moving away from heavy reliance on tourism and real estate [4][5] - New emerging industries such as modern services, high-tech industries, cross-border finance, and digital economy are expected to flourish due to the facilitation of trade and investment [4] - The transition towards a more diversified and high-end economy will enhance Hainan's resilience and internal growth momentum [5] Group 4: Governance and Regulatory Challenges - The customs closure operation will test the governance system and regulatory capabilities, requiring the establishment of an efficient and transparent regulatory framework aligned with international standards [6][7] - There is a need for improved legislative, enforcement, and risk prevention measures to ensure the smooth operation of the new policies [6] - Hainan's experience in implementing these changes could serve as a model for other regions in advancing institutional openness [3][7]

自2020年《海南自由贸易港建设总体方案》发布以来，中国人民银行持续完善与海南自贸港相适应的金 融政策和制度体系，扎实做好金融改革发展稳定各项工作，有力支持海南自贸港建设成型起势。 在央行指导下，银行业金融机构也加紧布局。包括国家开发银行、中国进出口银行、中国农业发展银行 等3家政策性银行，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行（601658）等6家 国有大行，招商银行、浦发银行、中信银行、光大银行、民生银行等股份制银行和汇丰银行（中国）等 外资银行在内的众多银行业金融机构 聚力 于此，支持海南全面深化改革开放和自由贸易港建设，在助 力谱写中国式现代化海南篇章中展现新担当、新作为。 全岛封关运作是海南自贸港建设的标志性和基础性工程。在金融支持全岛封关运作方面： 国家开发银行海南省分行紧密对接海南省封关运作项目清单，聚焦基础设施互联互通、口岸物流等关键 领域，通过深化银政企合作，高效保障洋浦小铲滩、海口美兰机场、三亚凤凰机场等口岸升级改造，以 及洋浦国际集装箱枢纽港、新海陆岛物流园等重大基础设施项目融资需求。 紧邻海口美兰国际机场空港枢纽的海南国际智慧物贸 云 港是提升海南应急保障能力，促进 ...

[ 责编：杨煜 ] 现在到海南，创业时机怎么样？在吸引人才方面，自贸港都有哪些创新政策？ 一起用"简笔画"的方 式，感受海南的创业机遇。观看视频》》 从"地区性港口"跃升为"国际枢纽港"，洋浦港是海南自贸港建设的一个缩影。封关在即，自贸港的一系 列制度型开放举措，吸引着世界的目光。海南对高层次人才的需求也更加迫切，同时构建了更加开放的 人才机制。 ...

Group 1 - The Hainan Free Trade Port officially launched its full island closure on December 18, with China Life Insurance focusing on providing comprehensive social security services to the local population, including healthcare and elderly care [1] - China Life Insurance's "Hui Qiong Bao" medical insurance program aims to cover over 700,000 participants by 2025, with cumulative payouts exceeding 41 million yuan since its inception in 2021 [1] - The company has provided over 20 billion yuan in risk protection for more than 7,000 new economy workers in Hainan, and has launched specialized insurance plans for rural revitalization workers, offering over 65 billion yuan in risk coverage [1] Group 2 - China Life Insurance is actively developing personal pension services to support residents' retirement planning, with over 9,000 personal pension accounts opened in Hainan [2] - The company is involved in the preparation of a long-term care insurance system in Hainan, aiming to provide effective support for disabled elderly individuals and their families [2] - Guangfa Bank has introduced green credit initiatives in Hainan, with a balance of 1.16 billion yuan, reflecting a 23.4% increase from the previous year, supporting various green industries [2] Group 3 - China Life Property & Casualty Insurance has tailored insurance products to meet the needs of Hainan's industries, including a 120 million yuan health insurance plan for high-level talent and innovative agricultural insurance products [3] - The company has launched a wellness and health management project in Sanya, integrating traditional Chinese medicine with tourism to enhance the local health and wellness experience [3] - Guangfa Bank has established a cross-border financial channel in Hainan, leading in cross-border RMB settlement volumes among local financial institutions [3] Group 4 - China Life Property & Casualty Insurance has introduced a comprehensive cargo insurance product covering multiple transportation modes to support Hainan's manufacturing sector [4] - The company is exploring new models for catastrophe insurance to strengthen risk management in Hainan [4] - China Life is building an intelligent risk control system to enhance risk identification and management, ensuring financial stability in the region [4]

Core Insights - Hainan Free Trade Port will officially start its full island closure on December 18, 2025, marking a significant step in China's commitment to high-level opening-up and the construction of an open world economy [1] - The financial policy framework in Hainan Free Trade Port has been gradually established, making it one of the leading regions in financial openness and innovation in China [1] - The People's Bank of China has been actively improving financial policies and systems to support the development of Hainan Free Trade Port, with all three financial preparations for closure completed [1] Financial Innovations and Cross-Border Transactions - Hainan has implemented a series of financial innovation policies, resulting in a continuous increase in cross-border payment scales, with a total of $101.61 billion in cross-border receipts and payments from January to November this year, reflecting an average annual growth rate of 55% since 2020 [2] - The digital yuan pilot in Hainan is progressing well, with coverage in various sectors including duty-free shopping and rural revitalization, enhancing the convenience of foreign payment services [2] - As of October 2025, over 650 EF accounts have been opened in Hainan, facilitating transactions with 80 countries and regions, primarily in areas such as foreign exchange settlement and cross-border trade [2] Monetary Policy and Loan Growth - The People's Bank of China in Hainan has been implementing a moderately loose monetary policy to improve financing accessibility in key areas, creating a favorable financial environment for the operation of Hainan Free Trade Port [3] - As of November 2023, the balance of various loans in Hainan reached 14,101 billion yuan, with a year-on-year growth of 11.0%, surpassing the national average growth rate of 4.7% [3]

现在到海南，创业时机怎么样？在吸引人才方面，自贸港都有哪些创新政策？ 一起用"简笔画"的方式，感受海南的创业机遇。 从"地区性港口"跃升为"国际枢纽港"，洋浦港是海南自贸港建设的一个缩影。封关在即，自贸港的一系列制度型开放举措，吸引着世界的目光。海南 对高层次人才的需求也更加迫切，同时构建了更加开放的人才机制。 ...

Core Viewpoint - The establishment of the Hainan Free Trade Port has reached a significant milestone with the full island closure, and the Bank of Communications has launched a comprehensive cross-border financial service plan to support this development [1] Group 1: Financial Support for Infrastructure - The Bank of Communications has directed credit resources towards key sectors of the real economy, providing essential funding for transportation infrastructure projects such as the expansion of Sanya Phoenix Airport and the runway extension at Boao Airport [2] - A rapid approval process enabled the bank to issue 700 million yuan in fixed asset loans, ensuring timely funding for critical projects that support the operational framework of the Hainan Free Trade Port [2] - The bank's investment in local bonds has increased from 2.67 billion yuan in 2020 to 6.5 billion yuan in 2024, with cumulative underwriting of credit bonds exceeding 3.4 billion yuan [2] Group 2: Focus on Key Industries - In the tourism and cultural sector, the bank has provided a loan of 500 million yuan for the third phase of the China Duty Free Group's project and acted as the lead underwriter for a 1.4 billion yuan medium-term note issuance, achieving the lowest coupon rate in the national tourism industry for similar bonds in the past three years [3] - Cumulatively, the bank has issued loans totaling 2.9 billion yuan to the cultural, sports, and hospitality sectors, aligning with the development needs of the Hainan Free Trade Port post-closure [3] - The bank has also implemented digital RMB tax refund services and participated in the construction of a credit-based medical service project, enhancing the efficiency of public services in the region [3] Group 3: Global Cross-Border Services - Leveraging the global network of the Bank of Communications, which spans over 160 countries and regions, the Hainan branch has established a comprehensive service system that integrates domestic and foreign currency services [4] - The bank has successfully executed significant transactions, including a 1.68 billion yuan offshore syndicate loan for ship leasing and the first cross-border asset transfer [4] - In the financing leasing sector, the bank has provided over 6.2 billion yuan in funding to key clients, maintaining a leading position in the local market [4] Group 4: High-Level Open Economy Services - The cross-border financial service plan emphasizes five key areas of convenience and one principle of secure and orderly flow, aiming to transform policy advantages into tangible development momentum [5] - The plan encompasses various service scenarios for enterprises and individuals, providing integrated financial services across the entire lifecycle of businesses [6] - The bank aims to strengthen business collaboration and information sharing with overseas branches in Hong Kong, Macau, and Singapore, facilitating cross-border mergers, overseas listings, and global financing for Hainan enterprises [6]