Core Viewpoint - The Xiamen branch of Industrial Bank is leveraging foreign exchange reform to enhance financial services for enterprises, particularly in cross-border financing and personal foreign exchange services, thereby supporting private economic development and rural revitalization [1] Group 1: Cross-Border Financing - The Xiamen branch has tailored cross-border financing solutions for enterprises, addressing challenges such as high financing costs and inefficient fund usage [2] - The bank has helped a private food company, A Company, expand its foreign debt financing limit and introduced low-cost foreign funds, completing over 600 million Japanese yen foreign debt registration in just one working day [2][3] - Digital tools have been implemented to streamline fund management, allowing for online operations of foreign debt funds after due diligence [2] Group 2: Risk Management - The bank offers foreign exchange derivative products to convert floating-rate foreign debt into fixed-rate debt, mitigating interest rate and exchange rate risks for enterprises [3] Group 3: Comprehensive Service System - The bank has established a comprehensive service system for both corporate and personal cross-border business, optimizing processes and enabling online handling of foreign exchange transactions [4] - A new framework and risk control system for corporate foreign exchange services have been developed, significantly reducing processing time 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 payment solutions [4] Group 4: Future Plans - The bank aims to continue supporting quality enterprises and enhancing the business environment in Xiamen, contributing to high-quality foreign trade development [5]

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]