值得一提的是，中国人民银行厦门市分行还制定出台跨境人民币业务"两库一中心"方案，凝聚各方力 量，让跨境人民币业务更好地服务实体经济。一是联动市场需求，建立跨境人民币企业名单库，指导银 行对接企业，服务企业包括跨境人民币结算融资在内的综合金融需求；二是联动银行机构，组建跨境人 民币专家库，为企业提供跨银行的免费业务咨询服务；三是联动政府部门，建设跨境人民币政策服务中 心，建立政策联动、招商联动和宣传联动的部门合作"三大机制"。 与此同时，中国人民银行厦门市分行在推广"首办户"专项活动过程中，主动走访企业，深入了解其实际 需求，并推荐厦门某航空服务公司申请成为"跨境人民币优质企业"。成功入选后，该企业办理货物贸易 项下的跨境收付款变得更加便捷：仅需提供《跨境人民币结算收/付款说明》或收付款指令，便可直接 完成货物贸易项下跨境收款和付款，无需像以往那样多次往返银行、重复提交大量纸质单证。这不仅节 省了"脚底成本"，也大大提高了汇款效率。此外，该行还配套提供线上网银跨境汇款服务，支持企业全 程在线提交、审核和汇出，提升业务的便捷性和资金周转效率。自2023年在该行开户以来，该企业已累 计办理跨境人民币结算业务375笔 ...

Group 1 - The National People's Congress has passed the "Private Economy Promotion Law," which aims to guide financial institutions in improving their service levels for private enterprises, particularly small and micro businesses [1] - The average interest rate for newly issued inclusive loans to small and micro enterprises was 4.03% in the first two months of 2025, a decrease of 0.33 percentage points from 2024 and a cumulative decline of 3.9 percentage points since 2018 [1] - Zhejiang's financial regulatory bureau has established a "financing coordination zone" to connect banks and enhance efficiency in financing for small enterprises, involving 210 banks and nearly 40,000 credit managers [1] Group 2 - Small and medium-sized banks are innovating financial products to meet the specific financing needs of enterprises, such as the combination of "accounts receivable financing" and "small micro growth loans" [2] - The small micro enterprise financing coordination mechanism has successfully eliminated various hidden barriers to financing, allowing creditworthy but collateral-lacking small enterprises to access bank credit services [2] - Over 50 million small enterprises and individual businesses have been visited, with credit approvals exceeding 10 trillion yuan and a non-repayable loan balance of nearly 7 trillion yuan [2] Group 3 - Financial regulatory authorities are guiding banks to facilitate cross-border settlements and mitigate exchange rate risks for foreign trade enterprises [3] - Xiamen International Bank has launched a cross-border comprehensive service platform to assist foreign trade enterprises in managing cross-border settlements and financing needs [3] - Future recommendations include increasing bank visits to enterprises, simplifying financing processes, and exploring diverse supply chain financial services to further reduce financing costs for small micro enterprises [3]