对于因外部冲击暂时陷入经营周转困难的外贸企业，工行东莞分行特事特办、急事急办，开辟应急支持 通道。该行大力推广无还本续贷业务，缓解企业短期还款压力，避免资金链断裂导致经营中断。目前， 该行已累计为100余家外贸企业办理无还本续贷业务，金额合计5.53亿元，及时为企业"输血供氧"。此 外，工行东莞分行积极把握人民币国际化机遇，引导和推动企业使用跨境人民币结算，帮助企业降低对 美元结算路径的依赖，有效规避潜在的汇率波动风险，为企业拓展国际市场提供更多元、更安全的结算 选择。 引注跨境融资"源头活水"，畅通发展血脉 为满足外贸企业多元化、低成本的融资需求，工行东莞分行充分发挥工商银行集团全球化经营与综合服 务优势。该行深入实施总行"春融行动"战略，高效整合境内外"两个市场、两种资源"，灵活运用全口径 跨境融资、国际贸易融资全链条、现汇贷款等一揽子跨境融资产品组合，精准滴灌外贸企业。线上"贸 融易"平台成为服务利器，已累计高效服务企业270家，发放融资32.83亿元。同时，该行持续加大表内 信贷支持力度，已累计为510家外贸企业审批表内贷款高达603亿元，有效保障了企业的流动性需求。工 行东莞分行还注重创新联动与综合 ...

Core Insights - The article highlights the proactive measures taken by Guangfa Bank's Jiaxing branch to enhance cross-border RMB services, aligning with national policies to facilitate global trade and support high-quality enterprise development [1][2] Group 1: Cross-Border RMB Services - Guangfa Bank's Jiaxing branch focuses on optimizing the entire process of cross-border settlement and financing through online, paperless, and electronic information handling, improving the efficiency of cross-border fund settlements [1] - The bank offers various online services for enterprises, including RMB T/T remittances, letters of credit, acceptance, and pledging, creating a digital experience for cross-border RMB transactions [1] - The branch implements a "one enterprise, one policy" service mechanism, continuously innovating products tailored to enterprise needs, such as cross-border RMB payment for imports and exports, comprehensive cross-border financing, and RMB NRA accounts [1] Group 2: Addressing Client Needs - A multinational manufacturing enterprise previously relied on USD financing for overseas export needs but faced rising costs due to Federal Reserve interest rate hikes and increased exchange rate risks [2] - In response, Guangfa Bank's Jiaxing branch customized a cross-border RMB export payment solution to help the enterprise mitigate exchange rate risks while reducing costs and improving efficiency [2] - The bank emphasizes a "finance for the people" philosophy, aiming to deepen innovation in cross-border RMB business and provide high-quality, convenient financial support to enterprises in their globalization efforts [2]

Core Insights - The event in Xiamen marks the 15th anniversary of cross-border RMB policies in Fujian Province, promoting the use of RMB in cross-border trade and investment through policy advocacy and collaboration [1] Group 1: Cross-Border RMB Business Development - Since the pilot launch in 2010, Fujian Province has seen a robust development of cross-border RMB business, with a total business volume exceeding 7 trillion yuan, averaging a growth rate of 27.4% annually [1] - Over 19,000 enterprises have engaged in cross-border RMB business, with Xiamen leading in RMB payment amounts related to current accounts and direct investments [1] - From January to July 2025, Xiamen's cross-border RMB payment amount reached 260.4 billion yuan, reflecting a year-on-year growth of 5.2% [1] Group 2: Policy and Infrastructure Initiatives - The People's Bank of China (PBOC) Xiamen Branch has introduced a "two libraries and one center" scheme to enhance cross-border RMB services for the real economy, including a database of enterprises and a cross-border RMB expert consultation service [2] - A digital trade platform for cross-border RMB services was established in collaboration with local governments and banks, successfully processing its first cross-border RMB transaction on December 5, 2024 [2] - A reward policy for cross-border RMB transactions was implemented, leading to an increase of 21.3 billion yuan in cross-border RMB settlements in 2024 [2] Group 3: Business Process Optimization - The PBOC Xiamen Branch has optimized cross-border RMB business processes, allowing enterprises to benefit from a "pre-approval exemption" policy, facilitating seamless transactions [3] - By July 2025, the number of quality enterprises in Xiamen's cross-border trade and investment expanded to 1,065, with a total of 94.6 billion yuan in facilitated transactions [3] Group 4: Tailored Financial Services - The PBOC Xiamen Branch has tailored cross-border RMB services to meet the specific needs of enterprises, offering a range of financial products including cross-border financing and RMB funding pools [5] - By July 2025, local banks had issued 17.2 billion yuan in RMB loans to overseas entities, enhancing the overall cost efficiency of enterprises [5] - The branch has also focused on providing unique cross-border RMB services for Taiwanese enterprises, expanding service points from 28 to 140 by early 2024 [5]