江南时报讯 工行南通如皋支行积极响应客户跨国金融服务需求，紧密联动境外分行，成功办理一笔工 银新加坡见证解控业务，解决了客户燃眉之急，也为该行在跨境业务协同积累了宝贵的实战经验。 近日，一位客户到店要求办理借记卡解控业务，经工作人员了解，客户此前在新加坡工作，其银行卡开 户行为新加坡分行，目前客户已回国定居，客户自行转出卡内余额时发现账户被锁定，无法进行操作， 故到店需求帮助。该行工作人员在了解客户情况后，第一时间通过内部渠道联系到新加披分行零售业务 部并反馈客户情况及诉求。经查询反馈，客户卡片控制是因其工作签证过期所致，并清晰列明解控所需 材料清单。该行工作人员凭借专业的沟通能力和高效的执行力，迅速指导客户完善资料，并完成资料上 传，在一小时内成功完成账户解控业务，获得了客户的称赞。 此次见证解控业务的成功办理，充分体现该行境内外机构高效联动能力、应对复杂业务场景的解决能力 和以客户为中心的服务能力。该行将继续秉持"客户至上"的原则，勇于创新、加强协作，不断提升客户 综合服务水平和市场竞争能力。 ...

Core Insights - The integration of domestic and foreign currency accounts in Jiangsu marks a significant breakthrough in cross-border financial services, enhancing efficiency for foreign trade enterprises [1] - The new banking system allows companies to manage multiple currencies through a single account, streamlining processes and reducing operational costs [6][7] Group 1: Cross-Border Financial Solutions - The pilot program for the integrated currency account system was initiated in Jiangsu, with Construction Bank's Jiangsu branch leading the effort to empower foreign trade enterprises [1] - The integrated account system enables companies to conduct foreign exchange transactions and cross-border payments online, significantly improving operational efficiency [2][3] Group 2: Customized Services for Enterprises - Construction Bank's Yancheng branch created a tailored cross-border financial package for a technology company, allowing for seamless currency management and online transactions [2] - A leading engineering machinery company received a customized service plan that included a "1+N" account structure, facilitating the management of multiple currencies and reducing financial operation costs [3][4] Group 3: Impact on Business Operations - The new account system has been well-received by enterprises, with significant improvements in transaction efficiency and financial management reported [4][5] - Companies like Dinghong Home Products have experienced enhanced cross-border payment capabilities, reducing the time and complexity involved in managing multiple currency accounts [6][7] Group 4: Overall Economic Transformation - The integrated account system is reshaping the foreign trade ecosystem in Jiangsu, enabling companies to better navigate global trade settlement demands [7] - Construction Bank's initiatives are positioned as accelerators for the transformation and upgrading of foreign trade enterprises, supporting their growth in the global market [7]

Core Insights - The Guangxi Finance Department is enhancing cross-border financial services to support private enterprises in expanding into the ASEAN market through fiscal incentives, expanded enterprise lists, and government-business-bank financial connections [1][2] Group 1: Financial Incentives - Guangxi Finance Department offers a reward of 0.1% on the settlement amount for non-financial enterprises using cross-border RMB for trade settlements exceeding 5 billion RMB, with a maximum annual reward of 1 million RMB per enterprise [1] - A total of 24 million RMB has been allocated for this incentive by 2025 [1] Group 2: Simplified Financial Processes - Financial institutions in Guangxi are streamlining settlement processes and reducing processing times, enabling same-day cross-border RMB remittances with zero fees [1] - Increased interest subsidy support for private enterprises is provided through "Inclusive Business Loans," focusing on key areas like agriculture and industry [1] Group 3: Support for Exporting Enterprises - The support mechanism for private trade and product enterprises has been optimized, offering a loan interest subsidy of 2.88% with a maximum annual subsidy of 10 million RMB per enterprise [2] - The "No Repayment Renewal Loan" policy is introduced to alleviate the cash flow pressure for private enterprises exporting Guangxi's specialty products [2] Group 4: Cross-Border Trade Facilitation - Guangxi organizes government-business cooperation meetings to establish a long-term mechanism for bank-enterprise connections, regularly hosting ASEAN cross-border trade matching events [2] - Financial institutions are encouraged to launch cross-border financing products, with several banks innovating products like "ASEAN Trade Loans" and "Cross-Border Supply Chain Financing," supported by fiscal loan interest subsidies and guarantee fee subsidies [2]

Core Insights - The 15th National Games, held from November 21, 2025, marked a significant milestone as the first large-scale national sports event jointly hosted by Guangdong, Hong Kong, and Macau, serving as an important link for regional integration [1] - Industrial and commercial bank of China Guangdong branch provided comprehensive financial services for the event, leveraging global resources and local institutional collaboration to enhance cross-border financial connectivity in the Greater Bay Area [1][2] Group 1: Integration and Service Innovation - The Greater Bay Area benefits from a unique "one country, two systems, three tariff zones" framework, enhancing the level of "soft and hard connectivity" and promoting the integration of rules, mechanisms, and factor flows [2] - The bank established a collaborative service system led by its Guangdong branch, covering seven institutions in the region, achieving success in infrastructure construction, industrial collaboration, and financial interconnectivity [2] Group 2: Cross-Border Financial Services - The bank launched the "Bay Area Pass" service in collaboration with Hong Kong and Macau institutions, facilitating various financial scenarios such as account opening, investment, and property services, effectively addressing funding flow bottlenecks [3] - The "Bay Area Account Pass" has achieved full coverage in Bay Area cities, allowing residents from Hong Kong and Macau to open personal accounts in mainland banks [3] - During the National Games, the bank deployed 4,000 self-service banking devices supporting foreign cards and introduced exclusive foreign exchange service plans to enhance payment convenience [3] Group 3: Support for Real Economy - The bank is focusing on providing financial support for industrial transfer, infrastructure, and cross-border e-commerce, aligning with the Greater Bay Area's modernization goals [4] - The bank prioritized financing for renewable energy transportation projects in line with the National Games' "green event" concept, and assisted in issuing offshore RMB government bonds in Macau to support infrastructure development [4] - A total of 15 billion RMB was allocated as special credit funds to ensure key areas of the event are adequately supported [4] Group 4: Enhancing Consumer Experience - The bank created a "full-channel payment matrix" for ticket sales, supporting various payment methods including UnionPay cards and digital RMB, ensuring a seamless payment experience for participants and visitors [5] - The bank introduced special financial products for the National Games, including themed cards and digital collectibles, and invested 300 million RMB in consumer subsidies to stimulate event-related economic activity [6] - Activities such as treasure hunts and hiking events were organized to foster a cultural atmosphere around the National Games [6]

Core Insights - JD FinTech has partnered with Banking Circle to enhance cross-border financial services for global enterprises, enabling efficient multi-currency account setup and comprehensive payment solutions [1][2] - The collaboration aims to improve the speed and transparency of cross-border transactions, facilitating the global expansion of Asian payment service providers and fintech companies [1] - JD FinTech is committed to leveraging technology to reduce costs and improve efficiency for import-export businesses, supporting China's goal of "selling globally" [2] Group 1 - JD FinTech will provide seamless, scalable, and compliant payment solutions through the integration with Banking Circle's local clearing capabilities [1] - The partnership will help ensure compliance with local regulations while enhancing financial flexibility for enterprises venturing abroad [1] - JD FinTech's platform supports various payment methods, including overseas credit and debit cards, e-wallets, and offers integrated solutions for multi-currency payments, currency exchange, and tax support [2] Group 2 - The initiative is part of JD FinTech's broader strategy to build a safer and more inclusive cross-border financial service ecosystem [2] - JD FinTech plans to continue collaborating with high-quality global partners to innovate and enhance service capabilities [2] - The platform is designed to support the high-quality development of China's cross-border trade and foster an open and win-win international trade ecosystem [2]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Jinhua Branch is actively participating in the economic and financial service reform pilot in Jinhua, Zhejiang Province, focusing on enhancing cross-border financial services to support the local economy [1] Group 1: Cross-Border Financial Services - ICBC Jinhua Branch is implementing policies to improve cross-border financial services, directly benefiting local enterprises [1] - The branch has processed over ten thousand high-level open pilot business transactions, promoting cross-border trade and investment [1] Group 2: Currency and Risk Management - The bank has conducted extensive outreach, serving over a thousand enterprises to increase awareness of RMB settlement, aiming to boost the proportion of goods trade settled in RMB [1] - A new "exchange rate hedging market monitoring system" has been developed, allowing companies to monitor exchange rates more efficiently, enhancing their ability to manage risks associated with exchange rate fluctuations [1] Group 3: Financial Innovation - The Jinhua Branch has pioneered the implementation of a multi-central bank digital currency bridge business, expanding the application of digital RMB in cross-border scenarios [1] - The branch has successfully launched a pilot program for derivative guarantee and credit enhancement services for cross-border financial service platforms, providing small and micro enterprises with more convenient and cost-effective exchange rate hedging services [1]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Nanning Branch is committed to supporting the real economy and contributing to high-quality development through enhanced financial services and credit support [1][2][3] Group 1: Credit Support for Economic Development - ICBC Nanning Branch has increased its credit support for local economic development, focusing on infrastructure construction and modern industrial systems, with over 42 billion yuan in loans disbursed from January to October 2025 [1] - The bank has provided nearly 5 billion yuan in loans to the manufacturing sector, over 2.1 billion yuan to technology enterprises, and more than 14.5 billion yuan to private enterprises during the same period [1] - Green finance initiatives have been emphasized, with 9 billion yuan allocated to support green upgrades in infrastructure and low-carbon energy transitions [1] Group 2: Support for Rural Revitalization and Agricultural Development - The bank actively supports rural revitalization and the development of characteristic industries, focusing on urban-rural integration and agricultural modernization, with over 3.5 billion yuan increase in agricultural loans since the beginning of the year [2] - New financing products such as "Cane Farmer Loan" and "Yongcheng e-loan" have been introduced to support the sugar industry and local agricultural development [2] - Financial service networks have been expanded with the establishment of 10 "Xingnongtong" service points in rural areas to enhance accessibility to financial services [2] Group 3: Enhancing Cross-Border Services - The bank has facilitated over 490 billion yuan in cross-border RMB settlement for foreign institutional investors from January to October 2025, maintaining a leading position in the local industry [3] - Innovative cross-border financial services have been implemented to assist foreign trade enterprises in managing exchange rate risks [3] - The bank aims to continue improving financial service quality and structure to support local economic development and international cooperation [3]

Core Insights - The event "Meeting at the Expo for Cross-Border Win-Win" organized by Shanghai Pudong Development Bank focuses on enhancing cross-border financial services to support high-quality development of enterprises engaged in international cooperation [1] Group 1: Event Overview - The event aims to implement national strategies for high-level opening-up and to leverage the International Import Expo as a platform for international procurement, investment promotion, and cultural exchange [1] - Experts and representatives from enterprises with cross-border investment and financing needs participated in the event to facilitate in-depth dialogue [1] Group 2: Financial Services Offered - Shanghai Pudong Development Bank introduced its comprehensive financial service plan 8.0 and the latest digital products for cross-border transactions [1] - The bank has established a "6+X" cross-border financial service system, integrating offshore banking, free trade zones, and overseas branches to provide a full lifecycle financial support for enterprises [1] - Eight key service scenarios were highlighted, including free trade finance, cross-border e-commerce, mergers and acquisitions, risk management, fund management, trade, RMB services, and custody services [1] Group 3: Innovations and Case Studies - The event featured insights from industry leaders, including a detailed analysis of cross-border investment structure design and multi-regional tax policies to guide enterprises in international market layout [2] - Practical experiences in cross-border financial innovations were shared, showcasing collaborative models between banks and enterprises for mutual benefits [2]

Core Viewpoint - Chinese technology companies are accelerating their internationalization but face challenges such as cross-border financing difficulties, complex capital operations, and significant risk management pressures [1] Group 1: Company Case Study - R Company, specializing in image intelligent perception technology, is in a critical phase of business expansion and preparing for a Hong Kong IPO, requiring substantial financial support [3][4] - The intervention of Shenzhen Construction Bank (CCB) provided comprehensive support, including loans and tailored financial solutions, to meet R Company's complex needs [5][6] - R Company has submitted its IPO application, reflecting the effectiveness of CCB's coordinated services [7] Group 2: Financial Support Mechanism - CCB's approach involved a deep understanding of R Company's business model and development plans to create customized financial service solutions [5][8] - The bank established a communication mechanism among its domestic and international branches to ensure clear responsibilities and efficient service delivery [6][8] - CCB's financial services included local credit support, cross-border account and settlement services, and IPO sponsorship, addressing R Company's diverse financial needs [6][9] Group 3: Service Optimization and Coordination - CCB implemented a collaborative mechanism to identify client needs, coordinate across regions, design tailored solutions, and continuously optimize services based on feedback [8][9] - The bank's ability to adapt its services to the dynamic changes in R Company's operations ensured competitiveness in the market [9][10] - This case provides a reference for banks to support technology companies in their international ventures, emphasizing the importance of resource integration and specialized services [9][10]

Core Viewpoint - The establishment of a centralized tax refund point by Bank of China Shanghai Branch at the China International Import Expo (CIIE) aims to enhance the tax refund process for foreign travelers and promote inbound consumption [1] Group 1: Tax Refund Process - The centralized tax refund point allows foreign travelers to complete tax refund procedures immediately after purchase, facilitating a smoother experience [1] - A foreign traveler from Slovakia, Boris, praised the efficiency and professionalism of the service provided at the tax refund point [1] Group 2: Service Features - The centralized refund point is equipped with a multilingual professional service team, offering support in multiple languages including English, Japanese, and Chinese [1] - Travelers can process tax refunds by presenting valid identification and tax refund application forms issued by local stores [1] Group 3: Future Initiatives - Bank of China Shanghai Branch plans to continue enhancing cross-border financial services for foreign travelers, contributing to high-level opening-up and promoting inbound consumption [1]