收支结算更便利。海关特殊区内贸易外汇业务涉及主体多，业务链条长，交易模式相对复杂。随着外汇 便利化新政落地，对于海关特殊监管区域内企业收付汇与进出口不一致的业务，辖内银行机构可按照展 业原则和实质合规要求，对交易真实性、合理性及相关材料开展审核，企业无需再逐笔提交情况说明及 相关证明材料。企业、银行纷纷表示新政的出台让业务办理效率显著提升，也促使银行进一步增强了展 业能力。 降本增效更明显。外汇便利化新政放宽了货物贸易特殊退汇免于登记业务权限，等值20万美元以下的特 殊退汇可以直接在银行办理。一年来，湖南省内银行机构累计为59家企业办理特殊退汇业务合计890万 美元。新政落地后，七成以上特殊退汇业务无需到外汇局办理登记，业务办理缩短至约1个工作日；落 实放宽加工贸易收支轧差净额结算的政策，企业办理进料对口收付汇抵扣业务合计3213万美元，有效缓 解了企业资金占用的压力。 业态发展更多元。近年来，国家外汇管理局湖南省分局引导更多银行提升展业能力，积极支持市场采购 贸易、跨境电商等贸易新业态发展。辖内银行机构使用市场采购贸易联网信息平台信息为企业办理更加 便捷的跨境结算。近一年来，湖南市场采购贸易收汇同比增长2. ...

Core Insights - Dezhou Bank, a state-owned local commercial bank, focuses on enhancing trade finance services to support small and micro enterprises in the context of increasing export demands [1][2] - The bank has implemented various financial tools and services to help foreign trade enterprises reduce financing costs and mitigate exchange rate risks [1][2] Group 1: Trade Finance Services - Dezhou Bank has provided a total of 398 million yuan in trade finance and issued letters of credit amounting to 764 million yuan [2] - The bank has completed 1,227 transactions of facilitation business totaling 4.5548 million USD and executed forward foreign exchange settlements of 5 million USD [2] - The international business settlement volume reached 436 million USD, representing a 29% increase year-on-year, with cross-border RMB settlement amounting to 551 million yuan, up 33% year-on-year [2] Group 2: Support for Small and Micro Enterprises - The bank actively engaged with a local hardware tools manufacturer facing liquidity issues, facilitating a no-repayment renewal loan to alleviate financial pressure [1] - Dezhou Bank has established a special service green channel for foreign trade enterprises, utilizing various financial instruments to tailor comprehensive financial service plans [1]