激活新质生产力"动力源" 贴片、键合、注胶、塑封……几台机械手上下挥舞，取、夹、放、焊等操作一气呵成。临近年底，位于 海口市甲子镇的海南航芯高科技产业集团有限责任公司（以下简称"海南航芯"）产业园生产车间一派忙 碌，生产线24小时不停歇运转，每隔半个月左右，就会有几万颗封测产品被运往华南市场。 作为海南首个半导体芯片制造项目，海南航芯2024年底开始投产，目前正在稳步发展扩大中。今年8月 初，来自建行海南省分行的一笔400万元贷款及时打入海南航芯的账户，被用来采购原材料，扩大生 产。截至今年11月末，该行已为海南航芯发放5000万元流动资金贷款。 企业出海，金融工具发挥着重要的作用，建行海南省分行以EF账户（海南自贸港多功能自由贸易账 户）为核心抓手，持续打造跨境金融服务新高地。作为首批10家试点银行之一，该行于2024年5月正式 上线EF账户，截至今年11月末，已开立EF账户104个，EF账户项下业务量折合人民币约157亿元；先后 实现EF账户项下经常项目与资本项目结算、离岸汇率交易、贸易融资、跨境融资等多场景突破，落地 全国首笔EF账户外汇期权业务，让跨境资金结算效率实现质的飞跃。 针对企业全球化布局需求 ...

Core Viewpoint - The "14th Five-Year Plan" emphasizes the acceleration of building a financial powerhouse and promoting the internationalization of the RMB, guiding financial services towards high-level openness [1] Group 1: Cross-Border Settlement - Digital technology is enhancing cross-border payment efficiency, addressing the slow and costly traditional remittance processes faced by foreign trade enterprises [3] - The first transaction using the digital currency bridge involved a cross-border remittance of 1.31 million yuan to Bank of China Hong Kong, completed within the same day, significantly faster than traditional methods, saving the enterprise over 1,400 yuan in intermediary fees [3] - The service has expanded to cover international trade settlements and cross-border e-commerce fund transfers, effectively meeting the core need for faster capital turnover in overseas operations [3] Group 2: Financing Collaboration - The bank is addressing the financing challenges faced by foreign trade and foreign-funded enterprises by integrating domestic and international market resources and leveraging policy benefits from free trade zones [4] - By introducing customized cross-border financing products, the bank has helped 10 enterprises secure 327 million yuan in low-cost funding, with financing costs lower than domestic counterparts [4] - The "Cross-Border Direct Loan" service allows domestic branches to directly lend to overseas entities, meeting operational needs while providing access to lower-cost RMB funds, receiving positive feedback from clients [4] Group 3: Future Outlook - The bank plans to focus on five major financial initiatives during the "14th Five-Year Plan," enhancing the integrated development of domestic and foreign currencies [5] - By leveraging a global response system, the bank aims to facilitate the flow of funds and information, integrating financial collaboration into the dual circulation strategy of Jiangmen, thereby supporting high-quality development of the real economy [5]

Core Viewpoint - The article emphasizes the importance of enhancing cross-border financial services to support China's new industrialization and economic growth, particularly in the context of global industrial chain restructuring and the need for improved international competitiveness in manufacturing [1][2]. Group 1: Financial Support for New Industrialization - The People's Bank of China and seven other departments issued guidelines to facilitate cross-border financial services, including trade settlement and investment financing, to strengthen domestic circulation and support industrial layout [1]. - Experts highlight that improving cross-border financial service convenience is crucial for addressing the challenges posed by global industrial chain restructuring and enhancing the international competitiveness of the manufacturing sector [2]. Group 2: Addressing Outbound and Inbound Needs - The focus is on "dual openness," which involves facilitating domestic companies' overseas expansion while attracting quality foreign investment to foster innovation and technological advancement [2]. - Cross-border financial services are seen as an extension of supply-side structural reforms in finance, directly addressing the dual needs of enterprises to "go out" and "bring in" [2]. Group 3: Case Studies of Financial Support - A company in Guangxi, a major domestic internal combustion engine manufacturer, received a 20 million yuan international commercial loan within 48 hours to meet overseas market demands [3]. - In Suzhou, a bank has developed a cross-border fund pool and innovative financial products to support local companies in their international operations, enhancing their global business footprint [4]. Group 4: Managing Exchange Rate Risks - Exchange rate risk is a significant challenge for foreign trade enterprises, particularly for small and medium-sized enterprises that often lack the necessary risk management mechanisms [5][6]. - A new exchange rate risk management service center has been established to assist SMEs in navigating exchange rate fluctuations, providing comprehensive services from risk assessment to strategy formulation [6]. Group 5: Supporting the Real Economy - The foreign exchange management authorities are intensifying support for high-quality economic development, promoting policies that facilitate trade and cross-border financing [7]. - New guidelines aim to reduce operational risks and costs for manufacturing enterprises engaged in international markets, including expanding export credit insurance and optimizing cross-border fund pool operations [7]. Group 6: Strategic Financial Empowerment - Enhancing cross-border financial service convenience is viewed as a strategic move to transition finance from passive service to active leadership, accelerating technological innovation and industrial upgrades [8]. - Financial institutions are encouraged to evolve from basic settlement services to comprehensive solutions, while also focusing on talent development and digital transformation to better serve the needs of the industry [8].