在海南自由贸易港全岛封关进入最后一个月倒计时之际，国家金融监督管理总局11月18日在海口召开外 资金融机构座谈会，海南省委书记冯飞表示，欢迎外资金融机构充分发挥全球网络和专业优势，做好金 融"五篇大文章"，助力海南更好融入"一带一路"建设和全球产业链供应链体系，实现金融与实体经济良 性循环。 前述座谈会提出"推动更多金融改革开放措施在琼先行先试"。国研新经济研究院创始院长朱克力向《证 券日报》记者表示，外资金融机构可从三方面参与推动海南金融改革开放先行先试。一是参与制度创 新，结合国际经验提出跨境资金流动、资本项目开放等领域的改革建议，比如探索跨境资金池、本外币 一体化账户等新模式；二是引入新产品新服务，在风险可控前提下试点跨境资产转让、绿色金融债券等 创新业务，丰富海南金融市场工具箱；三是搭建国际合作平台，联合国内外机构开展跨境金融研讨会 等，促进人才交流与规则对接，提升海南自由贸易港国际影响力。通过这些实践，外资金融机构或将成 为海南金融改革的"试验田"和"连接器"。 今年10月份发布的"十五五"规划建议提出"高标准建设海南自由贸易港"。中国国际经济交流中心科研信 息部副部长刘向东在接受《证券日报》记者采 ...

2025.11.18 本文字数：4103，阅读时长大约7分钟 作者 |第一财经 王方然 封图 | 第一财经 任玉明摄影 周六的深圳福田街头，香港青年李尊明熟练地打开手机扫码，用新办的内地信用卡买了店里的新款球 鞋。这张小小的卡片，是他作为"北上生活圈"一员的重要凭证。 "有了内地信用卡，坐飞机有贵宾厅，日常支付也更方便。"李尊明告诉记者。 如今，像他这样每周北上消费的香港居民催生了新的金融需求——他们带着香港的信用记录，希望在内 地获得贷款和金融服务。 这一变化正在深港两地悄然发生。越来越多的港人选择在大湾区长期居住，从"消费北上"升级为"生活 北上"，进而催生了信贷、社保等全方位的跨境服务需求。在2025香港金融科技周上，香港环联信贷亚 太首席产品官冼迪云透露，目前香港居民"北上"贷款的需求有所提升。 "北上买社保"也成为社交平台上的新热点。50多岁的港人李生给记者算了一笔账：每月缴纳898元养老 保险，20年后在深圳退休，预计每月可领3000多元退休金，"这样领4年就能回本"。 广东省社会保障基 金管理局数据显示，截至2024年8月，港澳居民在粤参加养老、工伤、失业保险共33.28万人次，较2021 年底 ...

2025.11. 18 本文字数：4103，阅读时长大约7分钟 作者 | 第一财经 王方然 在2025香港金融科技周上，冼迪云分享了他最新的观察，每周都有大量香港居民北上消费，更有不 少香港青年在大湾区创业，有贷款需求。他们在香港拥有完善的信用档案，在内地却是"信用白户"， 这个反差让内地银行看到了机会。 过去，深港跨境信贷多呈现"南向"流动，以内地企业和居民在港融资、开户为主，其中多数案例依托 深圳跨境数据验证平台（DVP）实现。如今，随着部分港人北上从短期消费拓展到长期定居，港人 北上贷款的需求也开始被关注。 客观来看，利率，并非驱动北上贷款的主因。数据显示，中银香港、汇丰银行10月底按揭利率上限 普遍在3.25%至3.5%区间，而内地优质客户也能获得约3%的贷款。可以说，在资金价格上，两地几 乎站在同一起跑线。 封图 | 第一财经 任玉明摄影 周六的深圳福田街头，香港青年李尊明熟练地打开手机扫码，用新办的内地信用卡买了店里的新款球 鞋。这张小小的卡片，是他作为"北上生活圈"一员的重要凭证。 "有了内地信用卡，坐飞机有贵宾厅，日常支付也更方便。"李尊明告诉记者。 如今，像他这样每周北上消费的香港居民催生了 ...

Core Insights - The eighth China International Import Expo (CIIE) serves as a platform showcasing China's expanding openness to the world, with financial institutions presenting innovative cross-border financial solutions to meet the diverse needs of global exhibitors [1] Group 1: Financial Institutions' Participation - Standard Chartered Bank has evolved from a first-time participant to a regular attendee, showcasing products like the upgraded "Outreach" service for SMEs and the "Global Chain" one-stop cross-border financial solution [2] - The bank's support for Chinese enterprises going global is highlighted by its facilitation of a €800 million sustainable development bond for Bright Food Group [2] - Lixin Accounting Firm, participating for the second year, signed a strategic cooperation agreement with Frank Technology to support the latter's overseas business expansion [4] Group 2: Cross-Border Mergers and Acquisitions - Cross-border mergers and acquisitions are becoming essential for Chinese companies to expand markets, acquire technology, and enhance brand influence, with financial due diligence being a complex and critical process [4][6] Group 3: Digital Infrastructure and Financial Services - Financial institutions are focusing on digital RMB applications, upgraded cross-border financial services, and digital infrastructure to facilitate trade [7] - Shanghai Pudong Development Bank has launched an upgraded version of its comprehensive financial service plan, emphasizing "smart-driven, ecological integration, and full-chain coverage" [7] - The Bank of Communications introduced a one-stop cross-border financial service platform, "Jiaoyin Hangmaotong," aimed at supporting foreign trade enterprises [9] Group 4: Insurance Sector Innovations - Mitsui Sumitomo Insurance has been participating in CIIE for seven consecutive years, emphasizing the integration of digital platforms into trade insurance services [9] - The company aims to provide comprehensive, customized insurance and risk management services by linking various critical flows in the trade and shipping industry [9] Group 5: Overall Impact on Global Trade - The innovations in cross-border finance showcased at CIIE reflect the active role of financial institutions in supporting the real economy and global trade, highlighting China's commitment to financial market openness and deep integration with the world [10]

Core Viewpoint - The eighth China International Import Expo (CIIE) serves as a platform showcasing China's expanding openness and the innovative cross-border financial services provided by financial institutions to meet the diverse needs of global exhibitors [1][9]. Group 1: Cross-Border Financial Services - Standard Chartered Bank has transformed from a "first-time visitor" to a "returning guest" at the CIIE, showcasing products like the upgraded "Outreach" for SMEs and the "Global Chain" as a one-stop cross-border financial solution [1][3]. - The bank's support for Bright Food Group in issuing an 800 million euro sustainable development bond highlights its commitment to facilitating Chinese enterprises' overseas expansion [1]. Group 2: Strategic Partnerships and Market Expansion - Lixin Accounting Firm signed a strategic cooperation agreement with Frank Technology to promote the latter's overseas business expansion, emphasizing the growing need for cross-border comprehensive services as Chinese companies internationalize [3][6]. - The complexity of cross-border mergers and acquisitions necessitates thorough financial due diligence, which is more challenging than domestic mergers due to unique risks associated with cross-border transactions [3]. Group 3: Digital Infrastructure and Innovation - Financial institutions are actively participating in the CIIE, with a focus on digital RMB applications, upgraded cross-border financial services, and digital infrastructure to enhance trade efficiency [6][8]. - Shanghai Pudong Development Bank has upgraded its comprehensive financial service plan to version 8.0, emphasizing "smart-driven, ecological integration, and full-chain coverage" [6]. - The Bank of Communications launched a one-stop cross-border financial service platform, "Jiaoyin Hangmaotong," aimed at facilitating key processes for foreign trade enterprises [8]. Group 4: Insurance and Risk Management - Mitsui Sumitomo Insurance has been exploring digital transformation and aims to integrate its services into the shipping trade industry, providing customized insurance and risk management solutions [8]. Group 5: Overall Impact on Global Trade - The innovations in cross-border finance showcased at the CIIE reflect the active role of financial institutions in supporting the real economy and global trade, while also indicating China's ongoing financial market openness and integration with the world [9].

Group 1 - The China International Import Expo (CIIE) serves as a window showcasing China's increasing openness to the world, with finance playing a crucial role in global economic development [1] - The eighth CIIE highlighted the diverse cross-border financial service needs of global exhibitors, with many financial institutions presenting innovative solutions to empower global trade [2] - Standard Chartered Bank has transformed from a "first-time visitor" to a "returning customer" since its first participation in 2018, showcasing upgraded products and services at the eighth CIIE [3] Group 2 - The bank's support for the issuance of an 800 million euro sustainable development bond by Bright Food Group marks a significant milestone as the first euro sustainable bond in Asia's food industry [3] - Lixin Accounting Firm, participating for the second year, signed a strategic cooperation agreement with Frank Technology to promote overseas business expansion [5] - The firm emphasizes the importance of cross-border mergers and acquisitions as a means for companies to expand markets and enhance brand influence, highlighting the complexities and risks involved [5][7] Group 3 - Financial institutions actively showcased digital RMB applications, upgraded cross-border financial services, and digital new infrastructure at the CIIE, enhancing the efficiency of enterprises in both "bringing in" and "going out" [8] - Shanghai Pudong Development Bank introduced an upgraded comprehensive financial service plan, emphasizing a "smart-driven" strategy for cross-border financial services [8][9] - The Bank of Communications presented a one-stop cross-border financial service platform, "Jiaoyin Hangmaotong," aimed at supporting foreign trade enterprises [11] Group 4 - Mitsui Sumitomo Insurance (China) is exploring digital transformation and aims to integrate insurance services into the shipping trade industry chain [12] - The eighth CIIE's cross-border financial innovations reflect the active role of financial institutions in supporting the real economy and global trade, showcasing China's commitment to financial market openness and integration with the world [12]

Core Insights - Guangzhou Nansha has been designated as a national import trade innovation demonstration zone, aiming to enhance openness and empower trade innovation, establishing itself as a new highland for import trade development in the Guangdong-Hong Kong-Macao Greater Bay Area and nationwide [1] Group 1: Infrastructure and Capacity - Nansha Port has developed a large-scale specialized terminal cluster that integrates container, automobile roll-on/roll-off, grain, and petrochemical functions, establishing a modern logistics system that ranks among the top globally for container terminal scale and operational capacity [1] - The port features 20 deep-water container berths equipped with top-notch loading and unloading equipment, capable of accommodating the world's largest container ships, with the fourth phase of the project being the first fully automated terminal in the Greater Bay Area [3] - The automobile terminal, as a hub for South China's automotive trade, has an annual throughput capacity exceeding 3 million vehicles and can handle the largest roll-on/roll-off vessels globally [3] Group 2: Innovation and Efficiency - Nansha is continuously building an institutional framework aligned with international high-standard investment and trade rules, enhancing the business environment as a solid support for attracting trade [5] - The implementation of innovative customs clearance models has significantly compressed overall clearance times, improving efficiency [6] - Cross-border financial innovations have accelerated, with the financial sector's added value accounting for 10.8% of GDP, and the trading volume of the Guangzhou Futures Exchange surpassing 30 trillion [7] Group 3: Trade and Consumer Impact - The establishment of cold chain logistics centers and specialized supply lines for fresh produce has enabled direct supply of global fresh goods to households [9] - Nansha has become the second-largest parallel import automobile port in China, covering the entire industry chain for new energy vehicles [9] - The import demonstration zone has enhanced consumer access to a wide variety of goods from over 100 countries, improving the quality and affordability of imported products for the public [9] Group 4: Future Directions - Nansha will focus on the allocation of bulk commodity resources to ensure the stability of industrial and supply chains [11] - The area aims to enhance imports in high value-added and new economic sectors while expanding the boundaries of import services [11] - Future initiatives will explore innovations in digital trade rules to facilitate secure and orderly cross-border data flow, supporting the growth of new business models such as cross-border e-commerce and online services [11] Group 5: Achievements and Replicability - The five-year practice in Nansha has not only elevated regional trade capabilities and efficiency but has also established a replicable model for institutional innovation and industry cultivation, contributing to the dual circulation of domestic and international markets [13] - Nansha is positioned as a "testing ground" for openness, continuing to strengthen its role in global trade and providing robust grassroots support for constructing a new import trade landscape [13]

Core Insights - The social financing scale increment in Tibet Autonomous Region reached 84.689 billion RMB in the first three quarters of 2025, with 77.296 billion RMB allocated to the real economy, accounting for 91.27% of the total increment [1][2] Group 1: Financial Performance - The total foreign exchange income and expenditure in Tibet for the first three quarters amounted to 460 million USD, reflecting a year-on-year growth of 15.38% [1] - The total bank foreign exchange settlement and sale in Tibet reached 436 million USD, showing a significant increase of 41.01% year-on-year [1] - By the end of September, the balance of various loans in Tibet was 678.53 billion RMB, an increase of 77.3 billion RMB since the beginning of the year, with a year-on-year growth rate of 15.32%, surpassing the national average by approximately 9 percentage points [2] Group 2: Cross-Border Financial Innovations - The cross-border RMB payment and receipt total for Tibet increased by 55.26% year-on-year in the first three quarters [2] - Since the launch of cross-border payment services on June 22, 441 transactions have been processed, amounting to 7.0626 million RMB [2] - The number of banks providing foreign currency cash settlement services for Indian pilgrims has expanded to 10, with 113 related transactions completed this year, totaling 11.4648 million USD [2] Group 3: Deposit Growth - The total deposit balance in Tibet reached 678.32 billion RMB, reflecting a year-on-year growth of 5.51%, indicating a stable growth trend [2]

Core Insights - The "Going Global" cross-border financial superchain conference was held in Shanghai's Lingang New Area, gathering over 50 core financial institutions and more than 100 outbound enterprises to explore global cooperation and cross-border financial innovation [1] - Lingang New Area has empowered enterprises to go global, with over 450 non-financial foreign direct investment projects recorded and a total Chinese investment amounting to nearly $7 billion [1] - The conference aims to address financial challenges such as unmet funding needs, low cross-border settlement efficiency, and high exchange rate fluctuation risks, facilitating smoother and more cost-effective cross-border services for Chinese enterprises [1] Group 1 - The conference featured innovative formats like "lightning roadshows" and "financial markets," where leading financial institutions launched a series of cross-border financing and related financial service products [1] - The conference also established dedicated "country pavilions" for popular outbound destinations like the UAE and Argentina, providing one-stop solutions for enterprises to adapt to local market environments [2] - The Lingang New Area's "Going Global" comprehensive service platform has partnered with nearly 520 professional service institutions, including around 60 service providers in cross-border finance and foreign insurance [3] Group 2 - The platform aims to reduce transaction costs and financing barriers for enterprises going global by promoting resource matching and service collaboration [2] - Future initiatives will focus on ecological, precise, and international development, enhancing the integration of digital finance and cross-border services [3] - Lingang New Area is positioned as a strategic springboard for more Chinese enterprises to navigate global markets effectively [3]

Core Insights - Shenzhen is leveraging institutional openness to enhance its position as a significant global industrial financial center, focusing on cross-border investment, financing, settlement, and payment innovations [1][3] Group 1: Cross-Border Financial Innovations - In 2024, Shenzhen ranks third nationally in cross-border payment scale, with the RMB being the primary currency for cross-border settlements between Shenzhen and Hong Kong for five consecutive years [1] - Non-cash payment transactions by foreign personnel in Shenzhen reached 146 million, totaling 19.887 billion RMB, representing year-on-year growth of 62% and 78% respectively [1] - Shenzhen has established a "one currency" cross-border fund pool policy and introduced financing mechanisms such as "Qianhai Hong Kong Enterprise Loan" and "Cross-Border Credit Reporting" [3] Group 2: Support for Trade and E-commerce - Shenzhen has developed new mechanisms for cross-border settlement to facilitate high-quality foreign trade, including a model for cross-border e-commerce settlement that allows for T+0 fund arrival and convenient tax refunds [4] - The city supports banks in processing cross-border e-commerce foreign exchange transactions based on electronic transaction information, leading to a significant volume of business [4] - Shenzhen has pioneered a model allowing domestic importers to purchase foreign exchange directly from abroad for payments to overseas exporters [4] Group 3: Enhancing Payment Systems - Shenzhen encourages banks to collaborate with major trading platforms to provide efficient cross-border settlement services for bulk commodities and electronic components [5] - The city is exploring a multi-category cross-border payment system to better serve foreign consumers, aiming to create a comprehensive payment demonstration zone [5] - Initiatives include the launch of a "hard wallet" for digital currency, enabling seamless transactions with major foreign cards and the Hong Kong "Octopus" card [5]