近年来，海南自贸港构建以跨境贸易和投融资自由化便利化为核心的金融政策体系，多功能自由贸易账 户(EF账户)、跨境资金集中运营中心、跨境资产管理业务试点、飞机和船舶融资租赁等金融政策逐一落 地，让全球资金在海南自由流动，为企业发展注入了源头活水。 "中国洋浦港"国际登记船舶达66艘，总运力已超过620万载重吨，稳居全国前列；海运航线持续加密， 开通74条国际集装箱航线；扩大第五、第七航权开放，构建82条国际民航航线网络；"零关税"进口交通 工具及游艇，内外贸同船运输加注保税油，有效降低海运服务企业经营成本......现代物流业快速发展， 正让海南成为链接国内国际双循环的重要航运枢纽。 海南自贸港信息传输、软件和信息技术发展也势头良好。海底光缆连接香港与东南亚，国际通信出入口 局让数据传输又快又稳，吸引游戏出海、跨境直播、短视频等企业在海南拓展业务。海南率先推出数据 出境负面清单，为航天、种业、旅游等行业的数据跨境流动提供了清晰规则指引，进一步降低企业的制 度性成本。 中新网海口11月22日电 (记者王子谦)来自海南省商务厅的统计数据显示，2018年到2024年，海南自贸港 现代服务业年均增速达到9%，超过同期G ...

Core Viewpoint - Hainan is committed to expanding high-level openness to drive high-quality development, positioning itself as a significant gateway for China's new era of foreign trade and investment [5][12]. Group A: Investment and Trade Facilitation - A foreign investment company was able to register and obtain a business license in Hainan within one day due to streamlined registration processes [4]. - Cross-border fund settlement has been expedited from 1-2 working days to 2-3 hours through the multi-functional free trade account [4]. - Hainan has introduced the first foreign investment project in stem cell technology, highlighting its appeal to international investors [6]. - The establishment of the first independent overseas higher education institution in Hainan, the Lausanne Tourism University, marks a significant step in international educational collaboration [6]. Group B: Policy and Regulatory Environment - Hainan is implementing a series of policies to enhance trade and investment liberalization, including a negative list for cross-border service trade and measures to reduce institutional transaction costs [7]. - The provincial government is focused on promoting foreign trade and investment stability, with plans to implement tariff-free processing policies [7][15]. - Hainan is reforming its administrative system to create a market-oriented, law-based, and international business environment [14][15]. Group C: Talent Attraction and Development - Hainan is actively recruiting talent through large-scale job fairs in major cities, offering over 8,000 quality job positions [12]. - The province has established a new talent evaluation standard and offers tax incentives for high-end talent, aiming to create a conducive environment for talent development [12]. Group D: Regional Cooperation and Integration - Hainan is enhancing cooperation with the Guangdong-Hong Kong-Macao Greater Bay Area, signing multiple agreements across various sectors [18][19]. - The establishment of industrial parks is facilitating collaboration with other provinces, focusing on sectors like biomedicine and advanced manufacturing [20]. - Hainan's integration into the Belt and Road Initiative has led to a fourfold increase in trade with participating countries since 2020 [22].

Core Insights - The implementation of the EF account has significantly expedited cross-border payments, reducing transaction time from three days to just a few minutes [1][2] - The cross-border financial policy innovations in Hainan Free Trade Port have been driven by a dedicated team of professionals from central financial regulatory bodies, resulting in substantial progress in cross-border fund flow policies [2][4] Group 1: Cross-Border Financial Innovations - The establishment of the EF account and cross-border asset management pilot has been a key achievement, with 547 EF accounts opened and a total business volume equivalent to RMB 1970.48 billion as of August [2][3] - The cross-border fund concentration operation center (CTC) is being developed as a crucial platform for financial policy implementation, with four enterprises recognized and a total registered capital of 2.2 billion [3] - The offshore RMB bond issuance has reached a cumulative scale of 20.3 billion, providing diverse financing channels for the Hainan Free Trade Port [3] Group 2: Trade and Investment Facilitation - The high-level opening and facilitation policies for cross-border trade and investment have been expanded from Yangpu Economic Development Zone to the entire Hainan Province, with a total of USD 42.6 billion in pilot business transactions benefiting 268 quality enterprises [4] - Continuous evaluation and adjustment of policies are emphasized to ensure effective implementation and responsiveness to market needs, with nearly 100 enterprise visits conducted to gather feedback [4][5] - The commitment to ongoing support for Hainan's Free Trade Port development remains strong, with expectations for sustained financial innovation to enhance business convenience [5]

Core Insights - The establishment of the first three cross-border capital centralized operation centers in Hainan Free Trade Port marks a significant breakthrough for Sanya in facilitating the free flow of cross-border funds [1][2] - The recognition of Zijin International Holdings Co., Ltd. as a cross-border capital centralized operation center will allow enterprises to fully enjoy various policy benefits of Hainan Free Trade Port [1][2] Group 1: Policy Benefits - Enterprises can utilize multi-functional free trade accounts (EF accounts) for efficient collection and free allocation of domestic and foreign funds, significantly reducing exchange costs and time differences [1] - The preferential policies of "zero tariffs and low tax rates" in Hainan Free Trade Port will provide better tax arrangements for cross-border investment and profit repatriation, while simplifying foreign exchange registration processes [1] - The center will facilitate centralized management of cross-border capital pools, overseas lending, and coordination of foreign debt quotas, providing strong financial support for global strategic layouts [1] Group 2: Economic Development - The successful recognition of Zijin International Holdings as a cross-border capital centralized operation center is a milestone in the development of Sanya's outward-oriented economy and reflects the integration of financial and trade industries in Sanya Central Business District [2] - As of 2024, Sanya Central Business District has 8,872 registered enterprises, with imports and exports increasing by 68% year-on-year, service imports and exports up by 58%, and actual foreign investment rising by 32% [2] - Zijin Mining Group invested 2 billion RMB to establish Zijin International Holdings in Sanya Central Business District as its international operations headquarters, focusing on global trade, investment, and talent services [2] Group 3: Future Plans - The Sanya Central Business District Management Bureau plans to leverage the existing base of enterprises engaged in cross-border trade and investment to enhance the functions of headquarters enterprises in the free trade port [2] - The bureau aims to assist enterprises in improving the safety of funds and the efficiency of cross-border capital utilization, attracting both outbound cross-border trade enterprises and inbound foreign multinational companies to promote industrial agglomeration effects [2]

Core Viewpoint - The financial situation in Hainan Province is stable, with improvements in key financial indicators and increased support for the real economy and key sectors, particularly in personal housing loans and green financing [1][2]. Group 1: Personal Housing Loans - As of the end of March, the personal housing loan balance in Hainan reached 224.2 billion yuan, a year-on-year increase of 4.9%, with a growth rate 3.6 percentage points higher than the same period last year [1]. - The recovery in loan demand is attributed to banks implementing minimum down payment policies for first and second homes and supporting multi-child families in purchasing homes [1]. Group 2: Overall Loan Growth - By the end of March, the total balance of various loans in Hainan was 1,301.4 billion yuan, an increase of 31.4 billion yuan since the beginning of the year, with a year-on-year growth of 6.9%, surpassing the previous year's growth by 0.7 percentage points [1]. - The average interest rate for newly issued corporate loans was 2.99%, down 72 basis points year-on-year, while the average interest rate for new personal housing loans was 3.15%, down 51 basis points year-on-year, indicating a decrease in financing costs for both enterprises and residents [1]. Group 3: Deposit Growth - By the end of March, the total balance of various deposits in Hainan was 1,509.3 billion yuan, with a year-on-year growth of 10.4%, exceeding the previous year's growth by 4 percentage points and higher than the national average by 3.5 percentage points [2]. - Household deposits reached 807.9 billion yuan, reflecting a year-on-year increase of 10.8% [2]. Group 4: Support for Key Sectors - Financial support for key sectors such as inclusive small and micro loans, technology loans, and green loans has seen rapid growth. By the end of March, inclusive small and micro loans amounted to 129.7 billion yuan, up 8.9% year-on-year, while technology loans reached 153.1 billion yuan, up 18.7% year-on-year [2]. - Strategic emerging industry loans grew by 27.3% year-on-year, and loans for intellectual property-intensive industries increased by 30.6% year-on-year [2]. - In the first quarter, new green loans totaled 12.9 billion yuan, accounting for 41% of all new loans [2]. Group 5: Financial Openness - Financial openness is steadily advancing to meet the operational needs of the Hainan Free Trade Port. By the end of March, the business volume of multi-functional free trade accounts exceeded 100 billion yuan, with account holders engaging in transactions with 48 countries and regions [2]. - The cross-border trade and investment policies have been enhanced, with Hainan completing its first integrated currency pool business, and ongoing initiatives to promote cross-border financial services [2]. Group 6: Future Outlook - The People's Bank of China Hainan Branch plans to continue implementing a moderately loose monetary policy to guide reasonable credit growth and steadily advance high-level financial openness, providing strong financial support for the high-quality development and operational closure of the Hainan Free Trade Port [2].