Core Viewpoint - Xiamen International Bank, rooted in the overseas Chinese community, has evolved over 40 years to become a significant player in cross-border financial services, emphasizing the importance of standards and innovation in serving overseas Chinese clients [6][7][12]. Group 1: Historical Background - Established in 1985, Xiamen International Bank was the first Sino-foreign joint venture bank, reflecting the financial aspirations of overseas Chinese [7]. - The bank's founding was influenced by patriotic overseas Chinese, with a mission to serve the financial needs of overseas Chinese and their enterprises [7]. Group 2: Financial Services Development - Over the years, the bank has expanded its services from remittance and settlement to cross-border investment, wealth management, and supply chain services [7]. - In 2021, the bank elevated "overseas Chinese finance" to a strategic priority, establishing specialized departments to enhance service delivery [8]. Group 3: Standardization and Innovation - In 2022, Xiamen International Bank launched the first industry standard for overseas Chinese financial services, marking a significant step towards service maturity [8]. - By September 2025, the bank's overseas Chinese financial business volume reached nearly 230 billion yuan, with almost 100,000 clients benefiting from standardized services [9]. Group 4: Cross-Border Financial Network - The bank has developed a unique cross-border service network that connects mainland China with Hong Kong and Macau, facilitating various financial transactions [10]. - As of September 2025, the bank has assisted over 120 Chinese non-financial enterprises in issuing overseas bonds, amounting to over 240 billion yuan [10]. Group 5: Cultural Integration and Community Engagement - Xiamen International Bank promotes the spirit of Chen Jiageng, integrating it into its corporate culture and community activities, thereby strengthening ties with the overseas Chinese community [11]. - The bank engages in various cultural and educational initiatives, enhancing its connection with overseas Chinese and fostering a sense of belonging [11]. Group 6: Future Directions - The bank aims to construct a new paradigm for cross-border financial services, focusing on integrating overseas Chinese finance with broader economic goals [12]. - Plans include developing innovative financial products tailored for overseas Chinese, enhancing digital service platforms, and supporting green and technology-driven projects [12].