近日，由广西涉外金融系统打造的"汇小二"跨境金融服务智能体（以下简称"汇小二"智能体）正式上 线。作为生成式AI技术在跨境金融垂直领域落地的创新实践，该智能体不仅解决了企业和个人在政策 查询方面遇到的痛点，更以实用性与前瞻性为行业提供了可复制的智能化服务样本。 相较于传统搜索引擎及通用大模型，"汇小二"智能体在专业问题解答上的准确率显著提升，切实破解了 用户在政策查询与理解过程中"找政策难、懂政策繁"的核心痛点。前期运行数据显示，"汇小二"智能体 已累计完成超3万次服务应答，用户调研反馈好评率超90%。 "AI钥匙"解锁跨境金融"老大难" "以前帮企业办跨境业务，仅寻找相关政策文件这项工作就需要耗时半天。遇上政策更新，还要反复核 对，生怕出错。"某银行负责外汇业务的客户经理提起行业里的"老大难"问题，语气里满是无奈。以 往，外汇及跨境业务像一幅复杂的多维拼图。如今，这一困境正在被技术打破。 在国家外汇管理局外汇研究中心、国家外汇管理局广西壮族自治区分局的指导下，广西银行外汇和跨境 人民币业务展业自律机制各成员银行以金融科技赋能为突破口，紧扣"更加便利、更加开放、更加安 全、更加智慧"的外汇管理体制机制建设目标 ...

为进一步提升风控能力，今年，XTransfer还正式推出全球首个外贸金融大模型TradePilot的2.0升级版 本，通过分析产品、行业、地区等特征匹配度，快速判断潜在风险并触发预警，大幅提升交易安全性。 据悉，该应用入选首批上海市商务领域"人工智能+"应用优秀案例，是跨境金融行业首家获此奖项的企 业。 除了效率和成本，跨境支付的安全合规也是外贸企业全球展业的关键。XTransfer作为一站式外贸企业 跨境金融和风控服务企业，基于多年服务B2B跨境贸易支付所沉淀的多维度数据和深厚经验，构建了全 球统一的贸易结算网络与标准化风控体系，搭建了一整套数字化、自动化、标准化风控机制，近一年已 为7445家企业识别潜在风险10027笔，避免了4.73亿美元风险损失。 中证报中证网讯（记者 魏昭宇）10月15日，第138届中国进出口商品交易会（广交会）在广州开幕。中 国B2B跨境金融平台XTransfer于广交会期间发布的数据显示，新兴市场已成为不少外贸企业开拓海外市 场的新蓝海，为外贸增长提供了重要支撑；不断完善的跨境支付基础设施建设，也为外贸增长提供了有 力保障。XTransfer创始人兼CEO邓国标表示："我们将持 ...

Core Viewpoint - The Chongqing government is leveraging blockchain technology to enhance the innovation and development of international shipping and trade, which is a significant measure to accelerate the construction of an inland open comprehensive hub [1][5]. Group 1: Blockchain Empowerment in Trade - Blockchain technology is being utilized to address issues such as cumbersome traditional trade processes and information silos, thereby enhancing efficiency and transparency in cross-border transactions [1][5]. - The government has planned 14 application scenarios, with 11 already launched, integrating data flows of goods, information, and funds, resulting in over 420,000 core documents being stored on the blockchain, valued at over 80 billion [2]. Group 2: Trade Logistics and Cross-Border Finance - In trade logistics, the focus is on multi-modal transport applications and data sharing across the supply chain, significantly reducing the time for document circulation from 7-8 days to instantaneous transmission [3]. - In cross-border finance, a digital settlement and financing service system is being constructed, with five financial application scenarios already operational, facilitating over 20 billion in settlements for enterprises [4]. Group 3: Future Developments - The government plans to extend blockchain applications beyond logistics to areas such as export tax rebates and manufacturing, aiming to create a credible data circulation mechanism to serve more enterprises [5].

Core Insights - Hainan Free Trade Port is progressing towards full island closure operations, with a robust policy framework and institutional foundation being established [1][3] - The "4321" policy system has been initiated, enhancing the flow of people, goods, capital, and data, while increasing tax incentives for businesses and individuals [1] - The EF account has emerged as a key financial innovation, facilitating over 170 billion yuan in cross-border fund settlements since its launch, significantly improving the efficiency of cross-border transactions [1][2] Policy Framework - The "4321" policy system includes four types of flows (people, goods, capital, data), three areas of trade (goods, services, investment), two tax incentives, and one legal foundation [1] - The establishment of the Hainan Free Trade Port Law is enhancing legal protections and governance [1] Financial Innovation - The EF account has been operational since May 2024, covering transactions with 61 countries and regions, and allowing for high levels of cross-border fund transfer freedom [1] - The EF account's applications have expanded to various financial scenarios, significantly reducing costs and improving transaction efficiency for businesses [1][2] Economic Development - The aircraft maintenance industry has become a flagship high-end service sector in Hainan, with over 2,300 aircraft serviced and significant tax savings achieved through free trade policies [2] - Hainan's GDP structure has shifted, with the four main industries (tourism, modern services, high-tech, and efficient tropical agriculture) now accounting for 67% of the province's GDP, an increase of 13.7 percentage points over five years [2] Investment and Trade - Hainan has seen an average annual growth of 14.6% in actual foreign investment over the past five years, surpassing 100 billion yuan cumulatively [2] - The province's economic openness has increased, with the external trade ratio rising to 35% and domestic sales value tripling due to tariff exemptions [2]

Market Performance - The Hang Seng Index closed at 27,140, down 0.54% from the previous trading day, with a year-to-date increase of 35.30% [1] - The Hang Seng Tech Index decreased by 0.90% to 6,622, with a year-to-date increase of 48.22% [1] - The CSI 300 Index rose by 0.45% to 4,640, with a year-to-date increase of 17.94% [1] - The Dow Jones Index increased by 0.51% to 46,758, marking a year-to-date increase of 9.91% [1] Currency and Commodity Overview - The Renminbi Index stands at 96.970, with a 1-month increase of 0.41% but a 6-month decrease of 1.83% [2] - Brent crude oil is priced at $64.99 per barrel, down 3.20% over the past month and 3.46% over the past six months [2] - Gold is priced at $3,861.04 per ounce, with a 1-month increase of 8.45% and a 6-month increase of 23.91% [2] Key News - High-profile political changes in Japan with the election of the first female president of the Liberal Democratic Party, likely to become the first female Prime Minister [4][11] - The unemployment rate in the Eurozone rose to 6.3%, slightly above expectations, with an estimated 10.84 million unemployed [4][12] - OPEC+ is nearing an agreement to increase production by 137,000 barrels per day in November [4][13] Market Review - Hong Kong stocks experienced a decline, with the Hang Seng Index fluctuating around the 27,000 mark, closing down 0.54% [5] - The A-share market was closed due to the National Day and Mid-Autumn Festival holidays [6] - U.S. markets showed mixed results, with the Dow and S&P 500 reaching new highs while the Nasdaq retreated after hitting a peak [6] Sector Performance - The technology sector saw mixed results, with notable declines in major tech stocks like Intel and Amazon, while semiconductor stocks showed resilience [6][7] - European markets generally trended upwards, with the UK FTSE 100 reaching new highs [7] IPO Information - Recent IPOs have shown strong performance, with companies like Zijin Mining International and Xipuni achieving significant first-day gains [28] - Upcoming IPOs include Changfeng Pharmaceutical and Zhida Technology, with expected pricing and entry fees detailed [28] Upcoming Economic Data - Key economic indicators to be released include the Eurozone retail sales and U.S. trade balance for August, as well as China's foreign exchange reserves [30]

从湾区就医更便捷，到乡村收入节节高；从科创资金有保障，到老旧小区焕新颜——广东基层改革直戳民生痛点，用实招换实 效，"粤改粤好"就在你我身边。 广州医疗"五通"破解跨境就医难题, 深圳"跨境金融"让资金流动更顺畅, 珠海"技能互认"让人才就业更自由, 湾区生活越来越便利。 Southern Finance Omlinedia Corp. 21 Corrunt Business Hosto Al生成 改 出 发 展 新 动 能 广州探索基础研究新模式,财政资金放大超8.4 倍;东莞组建创新联合体,"头部企业+中小 微"协同攻关;揭阳"先使用后付费"让科技 成果快速落地，创新活力满格。 Ser > 南方财经全媒体集团 21世纪经济报道 24 21财经 学习经济工作室 号 C C C P 南 财经全媒体集团 21世纪经济报道 团 21财经 学习经济工作室 Al辅助 经 官网 改 E 漫 陆河推"服装贷"、建"卫星工厂",新增带 动1.4万人就业;开平整合国资,两年资产增 超60%; 高州融资16.8亿投重点项目, 县域 发展有钱有底气。 Southern Finance Ominedia Corp. 21 Comu ...

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]

香港科技大学（广州）校园朝气蓬勃，科研团队在实验室攻关前沿技术；创享湾粤港澳青创基地活力焕 发，软硬联通助力港澳青年创业灵感落地；大湾区文化体育中心人声鼎沸，文体盛会精彩纷呈；广州港 南沙港区数智领航，实现"港通天下货达全球"…… 潮涌珠江千帆竞，《广州南沙深化面向世界的粤港澳全面合作总体方案》（以下简称《南沙方案》）印 发3年多来，从蕉门河岸到明珠湾畔，从横沥岛尖到二十涌头，地处大湾区"几何中心"、有"湾区之 心"之称的南沙，正逐渐成长为面向世界的门户、制度创新的试验田、港澳青年逐梦的热土。 3年多来，广东省广州市南沙区锚定《南沙方案》"一基地、一平台、一门户、一高地、一标杆"五大任 务，围绕"中央要求、湾区所向、港澳所需、南沙所能"，基本完成《南沙方案》2025年第一阶段目标任 务。南沙不仅在重大平台建设、金融制度创新、科技成果转化等方面取得了标志性成果，更在城市宜居 环境和民生服务水平上展现了大湾区品质。 沟通协作多点开花 南沙的开发开放涉及国家、省、市、区多个层级以及粤港澳三地。《南沙方案》发布后，广东省创造性 地构建省南沙工作领导小组、省南沙工委、省南沙办三级工作体系，省、市、区152个成员单位扁平 ...

Core Insights - The third Guangdong-Hong Kong-Macao Greater Bay Area Development Business Conference was held on September 15, focusing on themes of empowerment and new opportunities, attracting over 1,200 representatives from 30 countries and regions [1][2] Group 1: Supply Chain Promotion Report - The "Guangdong-Hong Kong-Macao Greater Bay Area Supply Chain Promotion Report" was released, providing a new professional perspective for enterprise decision-making and emphasizing high-quality development of the supply chain [5][6] - The report outlines the current development status of the supply chain promotion system in the Greater Bay Area, highlighting five key aspects: efficient infrastructure connectivity, deepening regulatory standards, supply chain optimization, significant effects of digital and green technologies, and enhanced financial services [5][6] Group 2: Economic Impact and Future Projections - The Greater Bay Area's economic output is projected to exceed $2 trillion in 2024, contributing to 1/9 of the national economic total while occupying less than 0.6% of the country's land area and 6% of its population [4] - Guangdong Province has over 210,000 registered foreign-invested enterprises, accounting for 1/4 of the national total, and continues to attract significant foreign investment in sectors like electronic information and green petrochemicals [4] Group 3: Exhibition Industry Development - The exhibition industry in the Greater Bay Area has shown steady development over the past decade, with 2023 witnessing a recovery that surpassed pre-pandemic levels, achieving a new high in exhibition scale [7] - In 2024, a total of 924 exhibitions are planned, representing a 1.32% increase compared to 2023 [7]

9月15日，第三届粤港澳大湾区发展工商大会在广州举办。本届大会以"赋能大湾区、共拓新机遇"为主 题，吸引了来自30个国家和地区的政府机构、工商界代表1200余人出席，围绕跨境金融、商事法律、人 工智能、生物医药等议题进行深入探讨。值得一提的是，大会还发布了《粤港澳大湾区供应链促进报 告》和《中国(广东)自由贸易试验区临时仲裁指南》两项成果。 提到粤港澳大湾区旨在建立国际科技创新中心，程实称，这是它顺应潮流发展的选择。他表示，"金融 对于科技行业的赋能，以及科技对激活金融市场的'鲶鱼效应'，实际上在全球市场都有非常丰富的体 现。而大湾区兼具两大优势，一方面，是它的金融基础设施强大，另一方面，是其科学技术发展展现出 的蓬勃生机。" 会议期间，工银国际首席经济学家程实接受了21世纪经济报道记者的采访。谈及中国资产对外资吸引力 不断增强，他表示，今年年初DeepSeek的热潮，让中国的科技实力在全球范围内得到了更多认可，这 给中国硬核资产的走强奠定了基础。此外，伴随着全球风险偏好的变化，中国经济的稳定性和中国制造 业的相对强劲表现，也为全球资金聚焦于中国资产提供了更多"背书"，而这也给大湾区的金融市场发展 提供了非常 ...