自贸港金融开放创新取得显著成效 海南跨境收支规模达1154亿美元 2025年，海南省跨境收支规模达到1154亿美元，同比增长6.1%，创下历史新高。跨境人民币结算 额达5514亿元，同比增长11.6%，其中跨境电商等新业态结算额同比大幅增长120.5%。作为自贸港金融 创新重要载体，多功能自由贸易账户（EF账户）体系稳步发展，截至2025年末，共开立账户810个，业 务量达3509亿元，连接91个国家与地区。跨境资产管理业务试点、外汇展业改革等也顺利推进。 2025年，海南信贷规模快速增长，政策工具精准发力。2025年末，全省本外币各项贷款余额14057 亿元，同比增长10.7%，增速居全国第二。其中，外币各项贷款余额185亿美元，规模跃居至全国第 六。结构性货币政策工具持续发挥作用，全年累计发放支农支小再贷款、再贴现165.55亿元。（记者 董泽扬） 《人民日报海外版》（2026年02月05日 第 01 版） 记者从2025年金融支持海南省经济社会高质量发展新闻发布会上获悉，海南2025年金融运行数据亮 眼，其中跨境收支规模创历史新高，信贷增速居全国前列。 ...

人民日报海外版海口2月4日电（记者董泽扬）记者从2025年金融支持海南省经济社会高质量发展新 闻发布会上获悉，海南2025年金融运行数据亮眼，其中跨境收支规模创历史新高，信贷增速居全国前 列。 2025年，海南省跨境收支规模达到1154亿美元，同比增长6.1%，创下历史新高。跨境人民币结算 额达5514亿元，同比增长11.6%，其中跨境电商等新业态结算额同比大幅增长120.5%。作为自贸港金融 创新重要载体，多功能自由贸易账户（EF账户）体系稳步发展，截至2025年末，共开立账户810个，业 务量达3509亿元，连接91个国家与地区。跨境资产管理业务试点、外汇展业改革等也顺利推进。 2025年，海南信贷规模快速增长，政策工具精准发力。2025年末，全省本外币各项贷款余额14057 亿元，同比增长10.7%，增速居全国第二。其中，外币各项贷款余额185亿美元，规模跃居至全国第 六。结构性货币政策工具持续发挥作用，全年累计发放支农支小再贷款、再贴现165.55亿元。 ...

Core Viewpoint - The People's Bank of China (PBOC) Hainan Branch is committed to supporting the high-quality economic and social development of Hainan Province by implementing a moderately loose monetary policy and promoting financial reform and innovation by 2025 [1] Financial Support and Credit Growth - By the end of 2025, the total balance of loans in Hainan Province reached 1,405.7 billion yuan, with a year-on-year growth of 10.7%, ranking second in the country and exceeding the national average by 4.5 percentage points [2] - The balance of foreign currency loans reached 18.5 billion USD, ranking sixth nationally [2] - Structural monetary policy tools were effectively utilized, with a total of 16.555 billion yuan allocated for agricultural and small business support loans, guiding financial resources to key areas [2] - Personal consumption loans (excluding housing loans) increased by 9.2% year-on-year, stimulating domestic demand [2] Financing Costs and Transparency - The average interest rate for newly issued corporate loans in Hainan was 2.91%, and for personal housing loans, it was 3.11%, down by 47 and 44 basis points respectively from the previous year [3] - A pilot program in Haikou, Sanya, and Danzhou saved enterprises approximately 3.7 million yuan in financing costs through transparency in loan costs [3] Cross-Border Financial Innovation - The cross-border payment scale in Hainan reached 115.4 billion USD, a year-on-year increase of 6.1%, while cross-border RMB settlements amounted to 551.4 billion yuan, up 11.6% [4] - The cross-border e-commerce sector saw a significant increase in RMB settlements, reaching 17.7 billion yuan, a surge of 120.5% [4] - The number of multi-functional free trade accounts (EF accounts) increased, with 810 accounts opened and a business volume equivalent to 350.9 billion yuan [4] Business Environment Optimization - The "Hainan Wallet" project improved payment convenience, with over 50,000 foreign card POS machines deployed and an ATM foreign card cash withdrawal coverage rate of 98.3% [5] - The foreign exchange hedging rate in Hainan reached 47.5%, a significant increase of 25.3 percentage points year-on-year [5] - A cross-border financial service platform was launched, facilitating over 700 million USD in business transactions [5] Future Outlook - In 2026, the PBOC Hainan Branch will continue to implement a moderately loose monetary policy and enhance financial services to support the high-level opening of the free trade port and maintain regional financial stability [6]

Core Insights - The establishment of the Shanghai Free Trade Zone in 2013 marked the beginning of China's financial reform and innovation, with the introduction of the Free Trade Account system facilitating cross-border transactions and financing for numerous market participants [4][18] - SPDB has been a leader in the free trade financial sector, successfully launching multiple first-of-their-kind services and products, demonstrating its commitment to financial innovation and support for national open policies [3][18] Group 1: Strategic Positioning - SPDB established a dedicated branch for the Shanghai Free Trade Zone and created specialized teams to enhance its capabilities in cross-border financial services, reflecting its strategic commitment to financial innovation [4][5] - The bank's approach to self-regulation and the establishment of management guidelines for free trade accounts have laid a solid foundation for its business operations [5][6] Group 2: Execution of First Transactions - The concept of "first transactions" has become a core strategy for SPDB, allowing it to capture new market opportunities arising from regulatory innovations, which in turn drives sustainable business growth [6][8] - The bank's proactive engagement in policy discussions and early preparations for new regulations have enabled it to quickly capitalize on emerging opportunities, exemplified by its successful launch of upgraded FT accounts [8][9] Group 3: Collaborative Strategy - SPDB has shifted from a "single-point breakthrough" strategy to a "nationwide collaboration" approach, encouraging all branches to work together to maximize business opportunities across the country [11][12] - The implementation of a unified management model for FT accounts has enhanced operational efficiency and responsiveness to regulatory changes, allowing for rapid deployment of services in new markets [12][14] Group 4: Data-Driven Decision Making - The bank has developed a comprehensive data analysis system to monitor and evaluate its free trade business, providing insights into operational challenges and opportunities for improvement [15][16] - The team's strong commitment to continuous learning and collaboration has been crucial in adapting to the fast-paced changes in policies and market conditions [16][18] Group 5: Achievements and Recognition - SPDB has achieved significant milestones, including being among the top three in the market for free trade deposit and loan business, and has successfully launched over 50 innovative first transactions [18] - The bank has received multiple awards for its contributions to cross-border financial services, underscoring its role in supporting the development of the real economy and promoting institutional openness [18]

Core Viewpoint - The financial services in Hainan Free Trade Port will play a crucial role in supporting high-quality development, with a focus on building a comprehensive support system that integrates foundational work, service to the real economy, and talent reserve [1] Group 1: Financial Infrastructure Development - The construction of financial infrastructure is prioritized following the implementation of the closed-off operation, with a focus on creating a multi-functional free trade account (EF account) system [1] - The EF account acts as a "dedicated highway" for enterprises, facilitating cross-border fund settlement, currency exchange, and investment, with over 650 accounts opened and fund transactions exceeding 250 billion RMB by October 2025 [1] - A cross-border fund monitoring platform has been established to track fund flows in real-time, ensuring a balance between openness and effective management [1] Group 2: Future Financial Strategy - The closed-off operation marks a new starting point, with the financial sector in Hainan committed to serving the real economy while continuing to innovate and reform [1] - The use of policy tools like the EF account will be emphasized alongside strengthening risk prevention capabilities [1] - There is confidence in the financial sector's ability to contribute to the vibrant and stable development of Hainan Free Trade Port [1]

Group 1 - The core viewpoint of the news is that Jianfa (Hainan) International Holdings Co., Ltd. has become the first successfully established cross-border capital centralized operation center in Hainan Free Trade Port after its closure, supported by Bank of China Hainan Branch [1][2] - The establishment of this center is significant for the financial system arrangements following the closure of the free trade port and serves as a market demonstration effect [1] - Jianfa (Hainan) International Holdings is a cross-border capital management platform set up by Jianfa Co., Ltd. in Hainan, focusing on capital preservation, risk management, and cross-border fund allocation [1] Group 2 - The successful recognition will enhance Jianfa Co., Ltd.'s global capital allocation efficiency and reduce cross-border operational costs, providing a replicable model for cross-border capital management in Hainan Free Trade Port [2] - The Bank of China will continue to innovate in cross-border financial services, including centralized capital operations and multi-functional free trade accounts, to support the development of quality enterprises in Hainan [2]

Core Viewpoint - The official launch of the Hainan Free Trade Port's full island closure on December 18 marks a significant milestone, with the Bank of Communications releasing a cross-border financial service plan to support the development of the free trade port [1] Group 1: Financial Support for Infrastructure - The Bank of Communications has directed credit resources towards key sectors of the real economy, providing a financial foundation for the construction of the Hainan Free Trade Port [2] - The bank has approved 700 million yuan in fixed asset loans for critical infrastructure projects, ensuring the smooth progress of key projects essential for the port's operations [2] - The investment in local bonds by the bank has increased from 2.67 billion yuan in 2020 to 6.5 billion yuan in 2024, contributing to local economic development [2] Group 2: Cross-Border Financial Services - The Bank of Communications is a pilot bank for the multi-functional free trade account (EF account), with the EF business scale exceeding 46 billion yuan by the end of October 2025 [2] - The bank has assisted the Hainan provincial government in issuing offshore RMB local bonds in Hong Kong for four consecutive years, expanding its cross-border financial services [2][3] Group 3: Support for Key Industries - The implementation of "zero tariffs and low tax rates" will enhance Hainan's attractiveness in consumption and commerce, with the bank approving a 500 million yuan loan for a duty-free project [4] - The bank has provided a total of 2.9 billion yuan in loans to the cultural and tourism sectors, aligning with the development needs of the free trade port [4] - The bank is the only institution involved in the credit medical project in Hainan, enhancing healthcare services and supporting the welfare of residents [4] Group 4: Comprehensive Financial Services - The Bank of Communications has developed a comprehensive financial service model covering the entire lifecycle of enterprises, integrating equity, debt, loans, leasing, and custody services [5] - The bank has successfully launched various first-time custody businesses, including the first qualified foreign limited partner (QFLP) fund in Hainan [5] - In the financing leasing sector, the bank has provided over 6.2 billion yuan to key clients such as Hainan Railway and Meilan Airport [5]

Core Viewpoint - The official launch of the Hainan Free Trade Port's full island closure on December 18 marks a significant milestone, with the Bank of Communications releasing a cross-border financial service plan to support the development of the free trade port [1] Financial Support for Hainan Free Trade Port - The Bank of Communications has been providing targeted financial support for the Hainan Free Trade Port since 2020, aligning its services with the core tasks of the port's construction [1] - The bank has allocated 7 billion yuan in fixed asset loans and provided nearly 80 million yuan in timely funding for key infrastructure projects, enhancing the operational capacity and efficiency of the port [2] - The investment in local bonds by the bank has increased from 2.67 billion yuan in 2020 to 6.5 billion yuan in 2024, with a total underwriting of credit bonds exceeding 3.4 billion yuan [2] Cross-Border Financial Services - The Bank of Communications is a pilot bank for the multi-functional free trade account (EF account), with its EF business scale surpassing 46 billion yuan by the end of October 2025 [2] - The bank has assisted the Hainan provincial government in issuing offshore RMB local bonds in Hong Kong for four consecutive years, expanding its cross-border financial services [2][3] Support for Key Industries - The implementation of "zero tariffs and low tax rates" will enhance Hainan's attractiveness in consumption and commerce, with the bank approving a 500 million yuan loan for the China Duty Free Group's project [4] - The bank has provided a total of 2.9 billion yuan in loans to the cultural tourism and hospitality sectors, supporting the development of an international tourism consumption center [4] - The bank is the only institution involved in the credit medical project in Hainan, enhancing healthcare accessibility and supporting the welfare of residents in the free trade port [4] Comprehensive Financial Service Ecosystem - The Bank of Communications has developed a comprehensive financial service model covering the entire lifecycle of enterprises, integrating equity, debt, loans, leasing, and custody services [5] - The bank has successfully launched various first-time custody businesses, including the first qualified foreign limited partner (QFLP) fund in Hainan and a gaming overseas fund [5] - In the financing leasing sector, the bank has provided over 6.2 billion yuan in funding to key clients such as Hainan Railway and Meilan Airport [5]

Core Viewpoint - The official launch of the Hainan Free Trade Port's full island closure on December 18 marks a significant step in China's commitment to high-level opening-up and the construction of an open world economy, presenting new development opportunities across various industries [1] Group 1: Support for Hainan's Full Island Closure - The full island closure operation is a foundational project for the Hainan Free Trade Port, with the National Development Bank's Hainan branch actively supporting infrastructure and logistics projects to ensure smooth implementation [2] - The bank has facilitated financing for major infrastructure projects, including upgrades to key ports and logistics hubs, ensuring that all ten "second-tier ports" pass national acceptance [2] - The Hainan branch of the National Development Bank prioritizes infrastructure service as its primary business initiative, engaging in significant projects aligned with national and provincial planning [2] Group 2: Growth of Cross-Border Financial Services - Post-closure, the convenience of cross-border capital flow is expected to significantly increase, with banks exploring new opportunities in cross-border trade settlement and offshore financial services [3] - Agricultural Bank of China has launched multifunctional free trade accounts to facilitate cross-border capital flow for quality enterprises in Hainan, establishing a comprehensive financial account service system [3] - The bank aims to enhance services for domestic and foreign enterprises investing in Hainan through collaborative mechanisms across various regions [3] Group 3: Financial Innovations and Support for Key Industries - Minsheng Bank's Haikou branch is actively engaging with cross-border financial reform policies, implementing innovative services such as cross-border asset transfers and QDLP pilot programs [4] - The financial sector is focusing on supporting Hainan's four leading industries and key areas to drive high-quality economic development [5] - Citic Bank's Haikou branch is committed to enhancing financial services for local enterprises, including innovative financing solutions for agricultural research and technology sectors [6]

Core Viewpoint - Hainan is positioned as a key experimental zone for reform and opening up in the new era, with financial services playing a crucial role in its development, as demonstrated by the achievements of the Bank of Communications Hainan Branch [1]. Group 1: Supporting the Real Economy - The Bank of Communications has implemented a special service plan for supporting Hainan's free trade port development for five consecutive years, translating it into tangible results [4]. - The bank has directed credit resources towards key areas of the real economy, including opening green approval channels for projects like Boao Airport and Sanya Phoenix Airport, ensuring construction progress [4]. - In the direct financing market, the bank plans to increase its investment in local bonds to 6.5 billion yuan in 2024 and has cumulatively underwritten credit bonds exceeding 3.4 billion yuan, providing stable funding for local development [4]. Group 2: Leading Cross-Border Financial Services - As one of the first banks to pilot multi-functional free trade accounts (EF accounts), the Bank of Communications Hainan Branch has achieved a business volume exceeding 46 billion yuan by the end of October 2025, leading among state-owned banks in the province [5]. - The bank has supported the Hainan provincial government in issuing offshore RMB local bonds in Hong Kong for four consecutive years and facilitated the first investment in local government bonds through EF accounts in September 2025 [5]. Group 3: Comprehensive Empowerment Across Industries - The bank focuses on key industries, providing "park guarantee loans" to small and micro enterprises in the Sanya Yazhou Bay Science and Technology City and supporting the cultural tourism industry by underwriting 1.4 billion yuan in medium-term notes for Hainan Tourism Investment Development Co., Ltd [6]. - The proportion of online inclusive loans has reached 75%, with the balance of inclusive loans for small and micro enterprises exceeding 8.8 billion yuan [6]. - The bank has innovated in public welfare finance, launching the first digital RMB tax refund business in the country and collaborating with local authorities to protect workers' wages through a payment supervision system [6]. Group 4: Global Collaboration for Future Development - The bank is enhancing its forward-looking layout to embrace a higher level of openness, deepening the application of EF accounts in offshore bond issuance and new types of offshore international trade settlements [7]. - It aims to strengthen domestic and international linkages to facilitate Hainan enterprises in cross-border mergers and acquisitions, overseas listings, and global financing [7]. - The bank plans to attract more foreign asset management institutions to Hainan and improve payment convenience for foreign individuals through expanded merchant coverage and optimized foreign currency exchange services [7].