近年来，厦门农商银行积极响应国家外汇管理及跨境人民币便利化政策号召，通过流程简化、成本优 化、服务深化三大维度精准发力，切实将政策红利转化为企业发展动力。金融服务提质增效，关键在精 准对接企业需求；跨境贸易破浪前行，核心靠金融"活水"精准滴灌。厦门农商银行正以这样的理念，为 厦门外贸企业稳健"出海"保驾护航，书写"金融为民、服务实体"生动答卷。 聚焦流程简化 让跨境结算"快而省心" 厦门农商银行紧密依托外汇及跨境人民币便利化政策体系，从制度与流程层面系统性推进优化。对于信 用良好、符合条件的企业，遵循"实质重于形式"原则，精简业务流程。同时积极推广电子渠道，实现跨 境结售汇线上处理。企业从提交申请到资金到账的时间链条显著缩短，实现结算效率与体验的"双提 升"，陪伴外贸主体行稳致远。 "以前办理跨境结算，线下提交材料、排队审核，至少要跑两三趟银行，现在线上就能一键操作，资金 到账速度比以前快了，厦门农商银行的服务让我们省心又省力！"一家外贸企业财务负责人由衷称赞。 厦门农商银行稳步推动人民币在跨境贸易与投融资中的使用，积极引导企业树立"本币优先"理念，鼓励 其在跨境交易中优先采用人民币结算，从源头规避汇率波动风 ...

Core Insights - The event in Xiamen marks the 15th anniversary of cross-border RMB policies in Fujian Province, promoting the use of RMB in cross-border trade and investment through policy advocacy and collaboration [1] Group 1: Cross-Border RMB Business Development - Since the pilot launch in 2010, Fujian Province has seen a robust development of cross-border RMB business, with a total business volume exceeding 7 trillion yuan, averaging a growth rate of 27.4% annually [1] - Over 19,000 enterprises have engaged in cross-border RMB business, with Xiamen leading in RMB payment amounts related to current accounts and direct investments [1] - From January to July 2025, Xiamen's cross-border RMB payment amount reached 260.4 billion yuan, reflecting a year-on-year growth of 5.2% [1] Group 2: Policy and Infrastructure Initiatives - The People's Bank of China (PBOC) Xiamen Branch has introduced a "two libraries and one center" scheme to enhance cross-border RMB services for the real economy, including a database of enterprises and a cross-border RMB expert consultation service [2] - A digital trade platform for cross-border RMB services was established in collaboration with local governments and banks, successfully processing its first cross-border RMB transaction on December 5, 2024 [2] - A reward policy for cross-border RMB transactions was implemented, leading to an increase of 21.3 billion yuan in cross-border RMB settlements in 2024 [2] Group 3: Business Process Optimization - The PBOC Xiamen Branch has optimized cross-border RMB business processes, allowing enterprises to benefit from a "pre-approval exemption" policy, facilitating seamless transactions [3] - By July 2025, the number of quality enterprises in Xiamen's cross-border trade and investment expanded to 1,065, with a total of 94.6 billion yuan in facilitated transactions [3] Group 4: Tailored Financial Services - The PBOC Xiamen Branch has tailored cross-border RMB services to meet the specific needs of enterprises, offering a range of financial products including cross-border financing and RMB funding pools [5] - By July 2025, local banks had issued 17.2 billion yuan in RMB loans to overseas entities, enhancing the overall cost efficiency of enterprises [5] - The branch has also focused on providing unique cross-border RMB services for Taiwanese enterprises, expanding service points from 28 to 140 by early 2024 [5]

Core Viewpoint - The Construction Bank's Taizhou branch is actively promoting cross-border RMB business in response to the national policy of expanding high-level opening-up, aiming to provide strategies for sustainable growth in cross-border RMB operations [1]. Group 1: Opportunities for Cross-Border RMB Business - The overall development trend of cross-border RMB in Taizhou is positive, with several opportunities identified: - Tariff fluctuations are prompting companies to reduce reliance on a single market, supported by local government initiatives to encourage international market expansion and increase funding for cross-border RMB settlements [2]. - Continuous favorable external policies are being introduced, optimizing cross-border RMB facilitation policies, simplifying processes, and enhancing fund utilization efficiency [2]. - Taizhou has a solid foreign trade foundation, with the highest import and export growth rate in the province projected for 2024, particularly in the "1+4" leading industries [2]. - A consensus on "local currency preference" is gradually forming, supported by the People's Bank of China's initiatives [2]. Group 2: Recommendations for Service Improvement - Suggestions for enhancing cross-border RMB business services include: - Strengthening service foundations to gain trust from enterprises by expanding the range of quality enterprises included in facilitation policies, with 30+ quality enterprises already benefiting from pilot programs [3]. - Defining clear focus areas to drive business volume through flagship products, utilizing various financial products to support eligible multinational companies and enterprises going abroad [3]. - Ensuring compliance in development by strictly adhering to background authenticity checks and preventing speculative trade financing, while actively collaborating with financial regulatory bodies to address emerging operational and policy risks [3].