近年来中国企业"走出去"的规模和范围迅速扩大，在全球190多个国家和地区设立了超过5.2万家境外企 业。随着中国企业以前所未有的规模走向海外，其所面临的国际风险和竞争环境也愈发复杂多变。 2025年10月，中华人民共和国商务部会同外交部、国家发展改革委、工业和信息化部、国务院国资委等 五部门联合印发了《关于进一步完善海外综合服务体系的指导意见》（下称《指导意见》）。 作为我 国首个聚焦海外综合服务领域的指导性文件，《指导意见》提出了六个方面共16项举措，旨在构建与我 国对外贸易投资发展相适应的海外综合服务生态，为出海企业提供专业高效的一体化支撑，切实维护企 业海外合法权益。 下面，本文将对《指导意见》逐条进行解读。 1 国家层面综合服务平台建设 原文：建设国家层面综合服务平台。统筹外事、法律、财税、金融、经贸、物流、海关、贸促等领域服 务资源，将"走出去"公共服务平台升级为国家层面海外综合服务平台，贯穿企业出海全流程、全链条， 联通"税路通"、"贸法通"、条约数据库、国家海外知识产权信息服务等平台资源，形成综合服务大平台 和专业服务分平台有机结合的"1+N"服务体系。围绕企业出海共性需求，提升平台集成化、综合 ...

转自：新华财经 在江阴远景能源科技有限公司（下称"远景能源"）零碳产业园车间里，巨型智能风机叶片正有条不紊地 进行组装。这批设备即将启运沙特，助力当地可再生能源开发。"风力发电机组作为大型成套设备，单 台金额大、交付周期长，对外出口易产生资金风险。"远景能源银行融资高级总监丁雪说，"中国信保不 仅为我们提供了1亿美元保函授信，还协助完善内部风险管理体系，让银行更愿意为项目提供配套融 资，增强了企业出海竞争力。" 随着绿色金融政策和产品日趋完善，一批绿色项目相继落地生根。针对江苏某数字能源企业赴美投资充 电桩项目的需求，中国信保江苏分公司量身出具海外投资（股权）保险保单和海外投资债权（股东适 用）保险保单，助力企业顺利参与美国数字能源市场竞争；面对国电南瑞科技股份有限公司出口加纳光 伏电站配套设备项目，其创新采用全额信用证付款模式，出具特定合同保险保单，推动项目顺利实 施……2023年以来，中国信保江苏分公司支持绿色贸易和项目承保金额达427.7亿美元。 项目推进期间，中国信保江苏分公司全程护航，整合运用出口集成创新模式、行业承保专业优势和历史 项目推动经验，破解商务合同繁杂、融资协调难度大等难题，高质量完成项 ...

Core Insights - The global economic and trade landscape is undergoing rapid restructuring, with finance playing an increasingly vital role in modern economies [1] - The 8th China International Import Expo and the "Financial Empowering Global Economic Development" forum highlighted China's commitment to high-level financial openness and global resource connectivity [1] Group 1: Shanghai's Financial Center Development - Shanghai is accelerating its development as an international financial center, supported by various government initiatives and documents aimed at enhancing financial openness [3] - The total trading volume in Shanghai's financial market reached 29.6783 trillion yuan from January to September this year, marking a 12.7% year-on-year increase [5] - Shanghai aims to build a cross-border investment and financing bridge, leveraging its free trade zone and new areas to facilitate cross-border financial services [5][6] Group 2: Global Trade and Financial Cooperation - The global trade and investment landscape is experiencing profound adjustments, yet cross-border trade remains a key driver of economic growth [7] - China is expanding its high-level openness and quality development, with retail sales expected to exceed 50 trillion yuan this year, maintaining its position as the world's second-largest consumer and import market [7] - Financial institutions are encouraged to provide diverse financial services to support foreign trade enterprises and enhance bilateral investment cooperation [7][8] Group 3: RMB Internationalization - The restructuring of global trade relations is timely for advancing the international use of the RMB, with banks encouraged to enhance offshore RMB product offerings [9] - The People's Bank of China has implemented measures to facilitate cross-border RMB transactions, reducing approval processes and enhancing efficiency [9][10] - Innovations in cross-border financial services are being developed to address the needs of enterprises engaged in international trade, improving their efficiency and risk management capabilities [10]

Group 1 - The eighth China International Import Expo opened on November 5, featuring the Hongqiao International Economic Forum, which focused on how finance can link global economic and trade opportunities [1] - Shanghai's financial market transaction volume reached 2967.83 trillion yuan from January to September, marking a 12.7% year-on-year increase [1] - Shanghai aims to deepen financial market reforms and promote high-level financial openness, leveraging its free trade zone and new areas for more flexible cross-border financial services [1] Group 2 - The restructuring of global supply chains has created new demands for cross-border financial services, prompting commercial banks to innovate and integrate logistics, information, and capital flows [2] - The internationalization of the renminbi is timely as China's trade relations deepen with more countries, with banks encouraged to enhance offshore renminbi financial products [2] - A strategic cooperation memorandum was signed between the Bank of China and the Hong Kong Trade Development Council, highlighting the commitment to financial innovation and global economic development [2]

Core Insights - The 138th China Import and Export Fair (Canton Fair) showcases China's trade vitality and resilience, with over 74,600 booths and more than 30,000 participating companies, reflecting a significant increase in quality enterprises and attracting nearly 240,000 buyers [1][3] - China Export Credit Insurance Corporation (China Credit Insurance) plays a crucial role in supporting Chinese enterprises in international markets by providing risk protection and financing enhancement, thus acting as a key tool for stabilizing foreign trade [1][2][3] Group 1: Trade and Market Dynamics - The establishment of the "Credit Insurance Lounge" at the Canton Fair facilitates in-depth communication between overseas buyers and China Credit Insurance, allowing for real-time insights into buyer operations and purchasing trends [1] - The current global economic environment presents unprecedented collection risks and operational challenges for Chinese enterprises, necessitating a focus on dynamic risk management and credit risk [2][3] Group 2: Export Credit Insurance Impact - In the first half of the year, China Credit Insurance reported an insured amount of $565.6 billion, a 13.5% increase year-on-year, covering 27.4% of China's export volume, which is a 2% increase from the previous year [3] - The insurance coverage includes protection against buyer bankruptcy, payment defaults, and political risks, which are critical for enterprises expanding into new markets [2][3] Group 3: Financing Solutions - Export credit insurance effectively addresses the financing challenges faced by small and medium-sized enterprises (SMEs) by allowing them to transfer insurance rights to banks for financing support [4][5] - In the first half of the year, China Credit Insurance facilitated financing enhancement for short-term insurance, amounting to 140.7 billion yuan, reflecting a 5% year-on-year growth [5] Group 4: High-Quality Development Support - As Chinese enterprises expand into higher-value activities such as overseas investment and engineering contracting, the service offerings of export credit insurance have evolved to include long-term project insurance and overseas investment insurance [6] - The launch of the new digital credit product "China Credit Insurance Global Check" provides enterprises with essential risk assessment tools for international markets, enhancing their decision-making capabilities [6] Group 5: Future Outlook - China Credit Insurance aims to continue leveraging its expertise to support enterprises in stabilizing orders, mitigating risks, and enhancing confidence, thereby contributing to the global value chain of Chinese manufacturing [7]

Core Insights - The central financial work conference has set the goal of accelerating the construction of a financial powerhouse, guiding the high-quality development of the financial sector [1] - The insurance industry has actively responded to the conference's directives over the past two years, demonstrating its critical role as an economic stabilizer and social stabilizer [1] Risk Management and Protection - The insurance industry has enhanced its risk response capabilities, establishing a comprehensive risk protection system that includes pre-warning, response, and post-compensation mechanisms [2] - Major disaster insurance trials have been implemented in over 20 provinces, strengthening the disaster prevention and mitigation safety net [2] - Health insurance has served 1.22 billion urban and rural residents, while long-term care insurance covers 190 million people, addressing diverse elderly care needs [2] Economic and Social Development Support - The insurance sector has insured over 1.6 billion motor vehicles and launched a platform for insuring new energy vehicles, providing risk coverage exceeding 1.1 trillion yuan [3] - Export credit insurance has provided risk coverage of 4.4 trillion USD, supporting foreign trade stability [3] Financial Contributions - As of mid-2023, the insurance industry's investment balance reached 36.23 trillion yuan, continuously injecting financial resources into capital markets and the real economy [4] - The sector has provided over 10 trillion yuan in risk coverage for technology insurance, supporting 3,600 innovative projects [4] - Green insurance is projected to provide risk coverage exceeding 330 trillion yuan in 2024, with increased support for green and low-carbon industries [4] Industry Reform and Development - The insurance industry has surpassed 40 trillion yuan in total assets, solidifying its position as the second-largest insurance market globally [5] - Comprehensive reforms in auto insurance and the implementation of a unified reporting and operation system are guiding the market towards rational management [5] - The industry is transitioning from scale expansion to value creation, with a notable decrease in comprehensive cost ratios and expense ratios [5] International Engagement - Half of the world's 40 largest insurance companies have entered the Chinese market, enhancing the industry's professional level through international collaboration [6] - The Shanghai International Reinsurance Registration and Trading Center serves as a key platform for attracting global reinsurance institutions [6]

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 - The 20th Central Committee of the Communist Party of China approved the "15th Five-Year Plan" for economic and social development, outlining major principles and strategic deployments for the period [2] Group 1: China Life Insurance - China Life emphasized the importance of implementing the spirit of the 20th Central Committee as a major political task, focusing on the financial insurance sector's role in the "15th Five-Year Plan" [4][5] - The company aims to enhance its core competitiveness and foster new growth drivers while ensuring high-quality development and risk management [5] Group 2: China People's Insurance - China People's Insurance Group highlighted its commitment to serving the real economy and the public, focusing on its core functions as an economic stabilizer and social stabilizer [3] - The company plans to support national strategies, enhance healthcare and pension services, and contribute to common prosperity and regional development [3] Group 3: China Pacific Insurance - China Pacific Insurance is set to actively participate in the Guangdong-Hong Kong-Macao Greater Bay Area development, focusing on its main responsibilities and enhancing risk management [6] - The company aims to support technological innovation and green development while increasing the supply of inclusive insurance products [6] Group 4: China Export & Credit Insurance Corporation - China Export & Credit Insurance Corporation plans to expand its export credit insurance coverage and scale, aligning with the "Belt and Road" initiative and promoting balanced trade [7] - The company is focused on high-quality development and ensuring the successful completion of its "14th Five-Year Plan" [7] Group 5: China Reinsurance - China Reinsurance aims to enhance its high-quality development by focusing on its reinsurance functions and aligning its "15th Five-Year Plan" with national strategic goals [8] - The company is committed to risk management and ensuring the completion of its annual objectives while preparing for the "15th Five-Year Plan" [8] Group 6: New China Life Insurance - New China Life Insurance is focused on integrating its development with national reforms, emphasizing the importance of the "insurance + investment + service" model [9][10] - The company aims to leverage its long-term capital to support new productive forces and contribute to social governance and financial stability [9][10]

Group 1: Insurance Sector Development - The 2025 Financial Street Forum highlighted the direction for the insurance sector during the 14th Five-Year Plan, focusing on optimizing trade financing and export credit insurance to enhance cross-border services and promote domestic and international dual circulation [1] - The government has increased support for export credit insurance as part of policies to stabilize foreign trade, emphasizing its role in mitigating risks for exporters and contractors [3] - Export credit insurance is recognized as a tool for promoting foreign trade, covering political risks and commercial risks, ultimately safeguarding the interests of domestic exporters and overseas investors [3] Group 2: Financial Services for Livelihoods - The insurance sector is urged to meet financial needs in education, health, and other livelihood areas, with a focus on developing pension and health insurance products to address the growing demand due to aging populations [4] - There is a shift in pension and health insurance from optional to essential, prompting insurers to innovate products and services that cater to these needs [4] - Insurers are encouraged to integrate health management with insurance offerings, creating a comprehensive health ecosystem to better serve the aging population [4] Group 3: Disaster Risk Management - The insurance industry's role as a stabilizer in response to natural disasters has become increasingly important, with significant losses reported from recent weather events [5] - Policies are being developed to enhance the catastrophe insurance system, aiming to create a robust risk management framework for natural disasters [5] - Collaboration among government, market, and society is essential to establish an effective disaster risk management system that can improve societal resilience to climate uncertainties [5]

Core Viewpoint - The Director of the Financial Regulatory Bureau, Li Yunze, emphasized the need to optimize cross-border services such as trade financing and export credit insurance, aiming to accelerate the integration of domestic and international trade and enhance the smooth flow of the domestic and international dual circulation [1] Group 1 - The focus is on optimizing trade financing and export credit insurance to support cross-border services [1] - There is a strategic push to promote the integration of domestic and international trade [1] - The initiative aims to strengthen the domestic and international dual circulation system [1]