A公司的案例，是兴业银行厦门分行落实外汇便利化政策的一个缩影。围绕政策落地，该行以外汇展业 改革为核心，构建起覆盖企业和个人跨境业务的全链条便利服务体系。 在企业外汇服务领域，该行构建全新的外汇展业框架与风控体系，优化业务流程，通过"兴业管家（国 际业务）"平台实现外汇收支线上化办理。对此，厦门一家电子元器件生产企业的财务负责人深有感 触："以前办理跨境贸易外汇业务，要准备大量单证，逐笔提交审核，耗时又费力。"如今凭借一类客户 资质，该企业线上提交指令即可完成办理，单笔业务全流程处理时间压缩至5分钟以内。 近日，兴业银行厦门分行以外汇展业改革为抓手，将外汇便利化政策红利转化为服务实效，通过精准对 接企业需求、创新金融服务模式、优化业务办理流程，在企业跨境融资、个人外汇服务等领域多点突 破，既为民营经济发展注入金融动能，也为乡村振兴、外贸提质增效提供坚实支撑。 跨境融资便利化 服务农企助农兴 在厦门乡村振兴的实践版图中，"企业+合作社+农户"的订单产业模式正持续释放活力。厦门某民营A食 品公司（以下简称"A公司"）作为专注速冻肉类预制菜研发产销的现代化企业，正是这一模式的践行 者，其通过订单农业带动大量农户参与 ...

Core Viewpoint - The article emphasizes the importance of deepening cross-border investment and financing foreign exchange management reforms to support high-quality development of the real economy, with a focus on the initiatives taken by Industrial Bank's Xiamen branch to enhance financial services for enterprises and rural revitalization [1]. Group 1: Cross-Border Financing Initiatives - Industrial Bank's Xiamen branch has tailored cross-border financing solutions for local enterprises, such as a private food company, to address challenges like high financing costs and inefficient fund usage [2]. - The bank has leveraged favorable policies to help enterprises increase their foreign debt financing limits and access low-cost foreign funds, completing over 600 million Japanese yen in foreign debt registration in just one working day [2][3]. - Digital tools have been employed to streamline fund management, enabling online operations for foreign debt funds after due diligence [2]. Group 2: Risk Management Solutions - To mitigate risks associated with interest rate and exchange rate fluctuations, the bank offers foreign exchange derivative products that convert floating-rate foreign debt to fixed rates and lock in exchange rates [3]. - This financial support has allowed the food company to expand its procurement from upstream farmers and enhance its product offerings tailored for rural markets [3]. Group 3: Comprehensive Service System - The case of the food company illustrates the bank's implementation of foreign exchange facilitation policies, creating a comprehensive service system for both corporate and individual cross-border business [4]. - The bank has optimized its business processes through digital transformation, significantly reducing the time required for cross-border trade foreign exchange transactions to under five minutes [4]. - In personal foreign exchange services, the bank has introduced specialized services for foreign employees, including online salary exchange and cross-border salary distribution, benefiting nearly 120 companies [4]. Group 4: Future Directions - Moving forward, Industrial Bank's Xiamen branch aims to continue supporting quality enterprises and enhancing the business environment in Xiamen, contributing to the high-quality development of foreign trade [5].

Core Viewpoint - The current financial work emphasizes deepening cross-border investment and financing foreign exchange management reforms to support high-quality development of the real economy [1] Group 1: Cross-Border Financing and Support for Enterprises - Xiamen branch of Industrial Bank actively responds to the call for high-level opening-up, utilizing foreign exchange reform to convert policy benefits into practical services for enterprises [1] - A private food company in Xiamen, referred to as Company A, utilizes an order-based agricultural model to drive local agricultural development but faces challenges such as high financing costs [2] - The bank customizes cross-border financing solutions for Company A, helping to expand foreign debt financing limits and streamline processes, completing over 600 million Japanese yen foreign debt registration in just one working day [2][3] Group 2: Risk Management and Business Expansion - The bank offers foreign exchange derivative products to convert floating-rate foreign debt into fixed rates, mitigating interest rate and exchange rate risks for enterprises [3] - With the financial support, Company A expands its procurement scale, enhances its industry cooperation model, and increases R&D investment to launch products suitable for rural markets [3] Group 3: Comprehensive Service System for Enterprises and Individuals - The case of Company A exemplifies the bank's implementation of foreign exchange facilitation policies, creating a comprehensive service system for cross-border business [4] - The bank's digital transformation enhances efficiency in foreign exchange services, allowing enterprises to complete transactions online, significantly reducing processing time [4] - The bank also introduces specialized services for cross-border salary payments, addressing the needs of foreign employees and improving the service experience for companies [4] Group 4: Future Directions - The bank plans to continue its commitment to serving the real economy, ensuring more quality enterprises and livelihood scenarios benefit from policy advantages, thereby contributing to high-quality development of foreign trade in Xiamen [5]

Core Insights - The establishment of the financing coordination mechanism for small and micro enterprises has led to significant loan disbursements by Industrial Bank, totaling over 480 billion yuan for 78,000 small and micro enterprises [1] - By the end of September 2025, the balance of inclusive loans for small and micro enterprises reached over 590 billion yuan, with an increase of over 38 billion yuan since the beginning of the year, outpacing the growth rate of all other loans [1] Group 1: Financing Coordination Mechanism - The financing coordination mechanism was established to address the financing difficulties faced by small and micro enterprises, with efforts from both supply and demand sides [2] - Industrial Bank has set up specialized teams and developed targeted work plans to enhance service models and optimize resource allocation for small and micro enterprises [2] - The bank has upgraded its product offerings, such as "Industrial Plant Loans" and "Xing Su Loans," to better meet the financial needs of small and micro enterprises [2] Group 2: Digital Empowerment - Industrial Bank has implemented digital tools to enhance financial service accessibility for small and micro enterprises, improving their loan approval rates [3] - The bank's initiatives include conducting extensive outreach activities to better understand and meet the financing needs of small and micro enterprises [3] Group 3: Support for Technology Enterprises - Industrial Bank is focusing on technology-driven small and micro enterprises, providing a comprehensive range of financial services throughout their innovation lifecycle [4] - The bank collaborates with government and academic institutions to create a supportive ecosystem for technology finance, facilitating the conversion of research outcomes into market-ready products [4] Group 4: Cross-Border Financial Services - Industrial Bank is addressing the challenges faced by small and micro foreign trade enterprises by offering a one-stop service that includes financing, risk mitigation, and advisory support [5] - The bank has launched an online credit product specifically for small and micro foreign trade enterprises, significantly reducing the time required for credit approval [6] Group 5: Cultural and Tourism Financial Services - Industrial Bank has introduced specialized loans for the cultural and tourism sectors, responding quickly to market demands and supporting businesses in capitalizing on tourism opportunities [7] - The bank's approach includes optimizing resource allocation and promoting consumption upgrades, particularly in the cultural and tourism industries [7]

Core Insights - Inner Mongolia Xingye Bank Hohhot Branch is focusing on the development opportunities brought by the construction of a northern open bridgehead, accelerating the implementation of the head office's international business development strategy, and promoting financial development related to border trade [1] Group 1: Company Overview - Company A is a manufacturing foreign trade enterprise that primarily relies on international companies for procurement and has gradually expanded its self-import business to improve profit margins, reducing the proportion of agency procurement from approximately 80% in 2022 [1] - The company mainly uses maritime transport for goods, with a typical single shipment value exceeding 20 million USD, and seeks to expand credit support, enhance cross-border settlement efficiency, and reduce financing costs [1] Group 2: Financial Services Provided - The bank designed a tailored financing service plan for Company A based on its procurement model, recommending the use of import letters of credit for large single transaction amounts to protect the rights and obligations of both parties [2] - The bank approved a credit limit of 400 million CNY for Company A to open immediate import letters of credit, allowing for revolving use of the credit after payment upon maturity [2] - The bank launched the "Xingye Butler (International Business)" online financial service platform for Company A, reducing the processing time for international settlement from 2-3 days to under 1 day, which was highly recognized by the company [2] - The bank provided significant fee reductions for Company A, including waiving letter of credit fees and foreign exchange fees, in light of the company's low profit margins of 2%-4% [2] Group 3: Future Plans - The bank plans to optimize its port financial work mechanism, strengthen collaboration among various departments, and enhance the training of international business talent to improve the overall professional quality and service capabilities [3]