值得一提的是，中国人民银行厦门市分行还制定出台跨境人民币业务"两库一中心"方案，凝聚各方力 量，让跨境人民币业务更好地服务实体经济。一是联动市场需求，建立跨境人民币企业名单库，指导银 行对接企业，服务企业包括跨境人民币结算融资在内的综合金融需求；二是联动银行机构，组建跨境人 民币专家库，为企业提供跨银行的免费业务咨询服务；三是联动政府部门，建设跨境人民币政策服务中 心，建立政策联动、招商联动和宣传联动的部门合作"三大机制"。 与此同时，中国人民银行厦门市分行在推广"首办户"专项活动过程中，主动走访企业，深入了解其实际 需求，并推荐厦门某航空服务公司申请成为"跨境人民币优质企业"。成功入选后，该企业办理货物贸易 项下的跨境收付款变得更加便捷：仅需提供《跨境人民币结算收/付款说明》或收付款指令，便可直接 完成货物贸易项下跨境收款和付款，无需像以往那样多次往返银行、重复提交大量纸质单证。这不仅节 省了"脚底成本"，也大大提高了汇款效率。此外，该行还配套提供线上网银跨境汇款服务，支持企业全 程在线提交、审核和汇出，提升业务的便捷性和资金周转效率。自2023年在该行开户以来，该企业已累 计办理跨境人民币结算业务375笔 ...

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].