Core Viewpoint - The Hainan Free Trade Port is set to enhance its financial services and international business operations, with the Construction Bank focusing on supporting its development through innovative financial solutions and strategic partnerships [1][12]. Group 1: International Business Development - The Hainan Free Trade Port has established a cross-border capital flow management system, which includes a multi-functional free trade account (EF account) to facilitate cross-border transactions [2]. - As of November 2025, the Construction Bank's Hainan branch has opened 104 EF accounts, with a business volume equivalent to approximately 15.7 billion RMB, significantly improving the efficiency of cross-border settlements [2]. - The bank has successfully implemented various financial services under the EF account, including foreign exchange options and trade financing, marking a qualitative leap in cross-border capital flow [2][4]. Group 2: Support for New Quality Productivity - The Construction Bank's Hainan branch is increasing credit support for technology enterprises and strategic emerging industries, exemplified by a 472 million RMB international commercial loan to a rubber industry group to enhance its global market presence [3][5]. - The bank has developed tailored financial services for high-tech enterprises, with a loan balance of 2.643 billion RMB for high-tech industries as of November 2025, reflecting a growth of 23.62% [7][10]. - The bank's focus on innovation includes establishing a dedicated branch in the Sanya Yazhou Bay Science and Technology City to provide comprehensive financial services to key enterprises [6][10]. Group 3: Strengthening the Real Economy - The Construction Bank is committed to nurturing the real economy by integrating financial services with local industry characteristics, providing tailored financing solutions to support supply chain financing for agricultural enterprises [8][9]. - The bank has created a comprehensive financial service ecosystem for the "Hainan Fresh Products" brand, offering a range of services including financing, account management, and cross-border financial services [9]. - As of November 2025, the bank has supported over 24,100 small and micro enterprises, positioning itself as a leader in local financial institutions in terms of loan amounts and customer numbers [11].

从降准资金落地到加大再贷款等结构性货币政策工具的支持力度，从加大对受疫情影响行业、企 业、人群等支持再到支持货运物流畅通和产业链供应链稳定循环……近半月，央行、银保监会等部门加 快政策研判，出台针对性举措，多箭齐发助力实体经济发展，尤其是对物流、中小微等重点领域加大纾 困力度。 分析人士指出，当前相关政策正在逐步显效，有助于稳住经济大盘、稳定微观主体、改善市场预 期。但面对经济下行压力，帮扶实体经济仍需持续发力，预计后续针对重点领域仍将有更多举措出台， 二季度降息可能性仍然存在。 集中施策助推贷款量升价降 央行、外汇局联合出台《关于做好疫情防控和经济社会发展金融服务的通知》，人民银行和银保监 会联合召开金融支持实体经济座谈会……近期金融监管部门集中施策、适时加力，旨在稳住经济大盘、 稳定微观主体、改善市场预期。 金融支持实体，一手抓投放总量"加法"。央行4月25日下调金融机构存款准备金率0.25个百分点。 在此基础上，对没有跨省经营的城商行和存款准备金率高于5%的农商行，再额外多降0.25个百分点。 此次降准共计释放长期资金约5300亿元。与此同时，加大再贷款等结构性货币政策工具的支持力度，用 好支农支小再贷 ...