Core Viewpoint - The Bank of China Beijing Branch has effectively aligned its operations with the national strategy and the capital's development needs during the "14th Five-Year Plan" period, focusing on technology finance, green finance, cross-border finance, and addressing key social demands, thereby delivering high-quality results in supporting the capital's development [1][2][6]. Group 1: Technology Finance - The Bank of China Beijing Branch has established a three-tier service system for technology finance, including 17 specialized outlets, to comprehensively cover the service needs of innovation enterprises in the capital [2][4]. - Innovative financial products such as "Innovation Star Loan," "Specialized and New Loan," and "Entrepreneur Loan" have been launched to address the unique challenges faced by technology enterprises, particularly those with asset-light characteristics [4][5]. - The branch has actively participated in major innovation forums and customized financial products to support high-quality entrepreneurial projects in Beijing [2][4]. Group 2: Green Finance - The Bank of China Beijing Branch has developed a comprehensive green finance service system, establishing a green financial working group to provide specialized services across various sectors [6][8]. - The branch has implemented targeted credit policies for industries such as hydrogen energy and new energy vehicles, ensuring that financial support reaches green industries effectively [6][8]. - By the end of Q3 2025, the balance of green upgrade projects in infrastructure exceeded 200 billion yuan, demonstrating the branch's commitment to supporting sustainable development [8]. Group 3: Cross-Border Finance - The Bank of China Beijing Branch has enhanced cross-border financial services by launching various convenient settlement products, facilitating trade and investment for enterprises [11][12]. - The branch has pioneered several industry-first initiatives, including the establishment of a cross-border dual-currency cash pool and the first full RMB capital injection for foreign financial institutions in the region [12]. - A new innovative service product, the "Mifang Card," has been developed to enhance payment convenience for foreign visitors, integrating payment, communication, and travel needs [13]. Group 4: Social Responsibility and Inclusive Finance - The Bank of China Beijing Branch has introduced diverse financial products and services to meet the needs of the public, particularly in areas like rural revitalization and individual entrepreneurship [16][17]. - The branch has successfully supported small and micro enterprises with loans exceeding 80 billion yuan by the end of September 2025, addressing their financing challenges [17]. - Initiatives in the elderly care sector have been implemented, including the launch of various age-friendly products and the organization of financial literacy events to enhance the quality of life for senior citizens [18]. Group 5: Cultural and Community Support - The Bank of China Beijing Branch has actively engaged in cultural projects, providing financial support for the renovation of cultural sites and promoting cultural enterprises through optimized processes and reduced fees [19]. - The branch has established a one-stop service system to assist cultural enterprises in securing financing and connecting with resources, thereby enhancing the cultural industry's development [19]. - The bank's efforts in supporting cultural heritage and tourism projects have contributed to enriching the spiritual and cultural needs of the capital's residents [19].

浦发银行广州分行立足粤港澳大湾区核心引擎定位，打造6+X跨境金融服务体系，充分发挥跨境金融、 自贸区服务及科技赋能的综合优势，制定金融支持稳外贸专项行动方案，精准支持外贸企业拓市场、降 成本、防风险，助力广州建设全球贸易枢纽城市。 2、"购购赢"降低即期购汇成本。针对企业到期付汇的款项，通过"购购赢"组合产品降低企业成本。在 USDCNY市场汇率在7.31的基础上，通过产品组合为客户提供7.25的实际购汇价格，降低购汇成本 600pips，并为客户提供未来3个月内可以按照7.29购汇的权利。实现企业在即期、远期市场的双重保 障。 3、"增利型购汇"平滑企业避险价格。针对企业远期购汇价格，通过"增利型购汇"组合产品平滑险价 格。在USDCNY市场汇率在7.31的基础上，3个月远期购汇价格需7.29，但通过"增利型购汇"产品组合， 我行为客户把远购价格降低至7.25，购汇成本优化400pips。若到期USDCNY市场汇率跌破7.34，企业还 可获得900pips补贴。提供低价灵活的避险价格，通过风险中性理念为企业灵活规避汇率风险。 另外浦发银行还不断优化中小微企业衍生交易授信审批流程，创新推出"浦银汇易兑"专项授 ...

【环球网财经综合报道】在规模扩张、效益增长与质量稳固的协同推进下，苏州银行绘就了一条清晰而稳健的上行曲线。该行2025年三季度业绩报告，向市 场展现了其在复杂经济环境中"稳中有进、质效双升"的发展态势。 苏州银行深化银政合作，积极响应国家养老金融政策号召，通过深化产品服务体系、优化服务流程、强化资源整合，致力于构建全方位、多层次的养老金融 服务生态。社保卡发卡量超480万张，尊老卡发卡量超36万张。丰富苏心零售"smile+"品牌矩阵，发布"苏心未来"青少年金融品牌。 与此同时，苏州银行积极拓展财富管理、投行、支付结算等中间业务，通过产品与服务创新，有效增厚中收规模，推动利息收入与中间收入协同增长。前三 季度，利息净收入与手续费及佣金净收入分别为65.08亿元和9.32亿元，同比分别增长8.90%和0.50%，为盈利结构优化与收益稳健提升提供了有力支撑。 在此基础上，苏州银行实现营业收入94.77亿元，同比增长2.02%；归属于上市公司股东的净利润44.77亿元，同比增长7.12%，凸显出较强的盈利韧性。 精细运营、风控护航，稳健经营铸就优质底色 规模筑基、效益提质，结构优化夯实发展根基 苏州银行三季报显示， ...

如何配合股东方平稳整合线下网点，并在海南跨境金融领域建立优势，是摆在万和证券新总经理面前的核心考 题。 资深骨干走向台前 12月8日晚国信证券发布公告称，公司董事会审议通过《关于推荐万和证券股份有限公司总经理人选的议 案》，同意推荐顾湘晴为万和证券总经理人选。 根据中国证券业协会从业人员执业信息，顾湘晴是一名国信证券"老员工"，供职已超过20年。 最新公告显示，国信证券董事会同意向万和证券推荐总经理人选。 这是自国信证券获批成为万和证券主要股东以来，首次对后者高管层面进行人事安排。 公开资料显示，上述总经理人选顾湘晴是一名国信证券"老人"，在经纪业务上长期深耕，后来转向机构业务， 目前是公司资产托管部总经理。 截至2024年11月末，万和证券客户数较2023年末增长25.55%，其中个人客户有53万户，机构客户为1619户。 从资产规模来看，万和证券机构客户主要集中在资产规模为5000万元以下；个人客户主要集中在资产规模为 200万元以下。 对于在经纪业务一线及私募客户服务方面经验丰富的顾湘晴而言，其首要课题正是稳妥推动分支机构的整合， 确保平稳过渡；同时将国信证券成熟的业务模式与管理体系导入，发挥协同效，提 ...

近日，华夏银行作为联合牵头行，成功发放欧元并购银团贷款，助力中国市场最大、全球市场排名第四 的珠光颜料生产商环球新材，实现对德国默克集团旗下全球珠光颜料资产的收购。 这不仅是珠光材料行业规模最大的跨境并购，也是华夏银行在跨境并购金融领域的一次突破性亮相。 "这不仅是并购，更是一场卓越基因的延续。"环球新材负责人如是说。 这场"联姻"让中国企业直接获得了默克在全球的表面解决方案核心技术、成熟销售网络和优质客户资 源，快速弥补自身在高端产品研发与全球市场覆盖的短板，实现"龙头企业+核心业务"的战略升级，进 一步巩固在全球新材料领域的竞争地位，成为中国企业"走出去"的新典范。 25国、40个法律实体的极限挑战 这笔对价约合人民币60亿元的并购交易，面临着非常复杂的局面： 资产横跨美、英、德、法、日等25个国家 涉及40个法律实体 各国对资产剥离要求千差万别 严格的交割时间窗口 "这就像同时下25盘快棋，每一步还都要精准无误。"项目团队成员这样形容。 21天完成不可能的任务 面对如此复杂的交易结构，华夏银行打出了一套漂亮的"跨境金融组合拳"： 创新"分区拆解+统筹推进"模式 针对25国40个法律实体的复杂架构，创新采 ...

Core Insights - Shanghai Bank has evolved over 30 years, from its origins in local credit cooperatives to a significant player in the financial sector, emphasizing its mission of making life better through finance [1] - The bank has focused on supporting small and micro enterprises, contributing to local economic development, and fostering a sense of community [1] Group 1: Technological Financial Services - Shanghai Bank's Minhang branch identified a promising startup, Qionglong Technology, and provided crucial support through a credit loan of 8 million yuan, marking the first bank credit for the company [8][10] - The bank utilized a "technology flow" assessment model to evaluate the startup's potential, despite its lack of revenue and collateral [8][10] - Over four years, the bank increased its support to Qionglong Technology, raising the credit limit to 50 million yuan and expanding services to include cross-border settlements and funds supervision [10][12] Group 2: Cross-Border Financial Services - Shanghai Bank has developed a comprehensive cross-border financial service ecosystem, including cross-border investment and financing, and digital payment solutions [29] - The bank's cross-border payment capabilities have evolved significantly, with transaction volumes increasing from over 10 billion USD in 2005 to more than 160 billion USD by 2025 [29] - The introduction of digital RMB in cross-border payments marks a significant advancement in the bank's service offerings, enhancing transaction speed and efficiency [29] Group 3: Pension Financial Services - Shanghai Bank pioneered the socialization of pension distribution in China, becoming one of the first banks to offer this service in 1998 [30][33] - The bank has developed a comprehensive pension financial service model, evolving from basic pension distribution to include wealth management and intelligent services [46] - Currently, Shanghai Bank serves approximately 6 million elderly clients, maintaining a leading market share in pension services in Shanghai [46]

Core Viewpoint - The article emphasizes the importance of the private economy in China's economic development and highlights the role of financial institutions, particularly Bank of Communications, in supporting and nurturing this sector through innovative financial services and products [1]. Group 1: Support for Private Enterprises - The Bank of Communications addresses the funding challenges faced by private small and micro enterprises by optimizing services like "no repayment renewal" loans, enhancing approval processes, and upgrading risk control models to facilitate seamless funding transitions [2][3]. - The bank has developed a dynamic credit assessment system using big data, allowing credit limits for stable and promising private small and micro enterprises to reach up to 20 million yuan [2]. Group 2: Online Financing Solutions - The bank has established an efficient online comprehensive credit service system, enabling enterprises to complete financing operations from application to withdrawal without physical presence, with nearly 50% coverage of online loans for private small and micro enterprises [3]. - The bank's collaboration with core enterprises in various industries, such as agriculture, has led to innovative financing solutions that streamline the loan application process for farmers [3]. Group 3: Focus on Technological Innovation - The Bank of Communications has created a proprietary evaluation model for technology-based enterprises, transforming their innovation capabilities into financing power, with products like "Talent Loan" offering up to 10 million yuan in unsecured loans [4]. - The bank has tailored 26 regional specialty products to support the unique funding needs of technology-driven private enterprises during their transformation and upgrading phases [4]. Group 4: Comprehensive Financial Services - The bank has built a financing support system encompassing equity investment, debt financing, leasing, and asset management, with a bond investment scale nearing 50 billion yuan as of Q3 this year [5]. - The bank's equity investment strategy focuses on early-stage and small investments, with individual investment limits reaching 5 million yuan [5]. Group 5: Cross-Border Financing Support - The Bank of Communications provides comprehensive cross-border financial services for private enterprises looking to expand internationally, including cross-border fund transfers, trade financing, and foreign exchange risk management [6]. - The bank has developed a platform to assist enterprises in overcoming logistical and financial challenges associated with international operations, enhancing overall operational efficiency [7]. Group 6: Collaborative Growth with Private Enterprises - The bank has shifted its role from merely providing funds to becoming a strategic partner for private enterprises, offering customized growth plans that encompass supply chain finance and market expansion strategies [8]. - The bank actively engages with various stakeholders, including government and industry associations, to better align its services with the needs of private enterprises [9]. Group 7: Commitment to High-Quality Development - The Bank of Communications has initiated numerous actions to enhance its financial service system, significantly increasing its credit balance for high-tech private enterprises by 24% since the beginning of the year [9]. - The bank aims to continue fostering innovation and supporting the resilient growth of private enterprises as part of its commitment to high-quality economic development [9].

来源：环球总财 #上海自贸区##跨境金融##金融##投资# 【#自贸账户功能升级，上海跨境金融再突破#】 如何具 SIME HIME @环球总财 6 此次自由贸易账户功能升级，并非一蹴而就，而是多方持续部署与探索的成果。2025年4月，《上海国际金融中心进一步提升跨 境金融服务便利化行动方案》明确要求拓展自由贸易账户功能及应用场景。6月，人民银行行长潘功胜在2025陆家嘴论坛上宣布 将在上海实施八项政策举措，优化升级自由贸易账户功能便是其中之一。11月初，中国人民银行上海总部正式印发《实施办 法》，为试点启动提供了制度保障，要求各相关金融机构建立健全内控机制，完善配套系统建设，为试点企业提供高质量跨境 金融服务。 《实施办法》的核心突破在于极大地提升了资金划转的便利性。根据规定，经办银行可凭试点企业收付款指令直接办理升级账 户与境外账户、离岸账户等多种账户之间的"跨一线"资金划转。更重要的是，试点企业开展证券投资以外的资本项下业务，将 不受投注差外债、全口径跨境融资、境外放款相关额度和审批限制，也无须到外汇管理部门办理前置业务登记、备案或开立专 户等，这将显著简化企业的外债与境外放款收付流程，使与境外资金往来 ...

◎记者 陈佳怡 2025年12月5日，《上海自由贸易试验区自由贸易账户功能升级实施办法（试行）》（简称《实施办 法》）正式实施。各试点银行积极响应，"首单""首批"业务迅速落地。 上海证券报记者当日获悉，农业银行上海市分行作为首批开展自由贸易账户（FT）功能升级试点的金 融机构，成功为临港新片区高端石油装备制造龙头企业中曼石油天然气公司、集成电路行业头部芯片制 造企业办理自由贸易账户功能升级业务，率先实现试点业务落地。 花旗中国总裁、花旗银行（中国）有限公司行长张文杰表示，上海自贸区一直是中国金融改革的前沿阵 地，此次自由贸易账户功能升级，将进一步提升自贸区跨境金融服务的效率和便利性。 同日，工商银行上海市分行依托升级版自由贸易账户，分别为某先进制造企业和某科技公司办理了跨境 人民币放款业务和美元货到付款业务，自由贸易账户功能升级政策进入实质性应用阶段。交通银行上海 市分行也为两家试点企业成功办理了FTE账户（区内机构自由贸易账户）功能升级。建设银行上海市分 行在实施首日为多家重点企业成功办理FT升级账户业务，以高效专业的跨境金融服务，赋能企业全球 化经营。 作为首批参与试点的外资银行，汇丰银行（中国）有限公 ...

提供多方面金融便利 在政策实施首日，中外资银行积极行动，推动相关业务落地。其中，国有大型商业银行展现出高效的专 业能力。例如，工商银行上海分行成功为某先进制造企业依托升级版自由贸易账户办理了跨境人民币放 款业务。后续，该笔资金将用于从境内采购货物，实现人民币资金跨境流转。 建设银行上海市分行为包括上海中建海外发展有限公司、东方国际创业股份有限公司等在内的多家企业 量身定制账户升级方案，直击企业跨境资金调度、境外投资等实际需求，赋能企业全球化经营。 外资银行充分整合全球资源，响应新政要求，为跨国企业及中资企业全球业务发展提供了灵活、高效的 跨境金融解决方案。其中，花旗银行（中国）有限公司（以下简称"花旗中国"）作为首批试点银行之 一，提前部署系统升级，组建专项小组，通过深入调研客户需求，率先在上海落地了这一业务，成功为 四位企业客户开立功能升级自由贸易账户。 "上海自贸区一直是中国金融改革的前沿阵地，此次自由贸易账户功能升级，将进一步提升自贸区跨境 金融服务的效率和便利性。"花旗中国总裁张文杰表示。 汇丰银行（中国）有限公司（以下简称"汇丰中国"）12月5日宣布，已为上海自贸区内参与试点的一家 跨国企业顺利开立 ...