Group 1 - The 2025 Central Asia Regional Economic Cooperation (CAREC) Digital Economy and Digital Trade Conference was held in Hangzhou, focusing on digital payment empowerment for digital trade, cross-border e-commerce, and regional cooperation opportunities [2] - Key officials from China and Central Asian countries emphasized the importance of deepening digital economic cooperation and promoting trade facilitation and the construction of the digital Silk Road [2] - The conference highlighted that digital payments are the "engine" for the development of cross-border trade, enhancing trust and convenience for SMEs and consumers [2][3] Group 2 - The conference shared multiple Chinese case studies, including Hangzhou's cross-border e-commerce innovations and the application of cross-border digital RMB in smart payment [3] - The event aimed to deepen practical cooperation among CAREC member countries in areas such as digital infrastructure, standard building, technology exchange, and talent training [3] - The conference provided new ideas for exploring the deep integration of digital payments and cross-border trade, contributing to regional economic integration and the high-quality construction of the Belt and Road Initiative [3]

一笔百万元级别的国际货款，从上海汇出，抵达美国账户只用了7秒，手续费仅1元。 上海这座金融城市，是否真的有机会在未来十年内，挑战纽约和伦敦融中心长达百年的地位？ 纽约和伦敦的地位，是建立在数十年甚至上百年形成的资本制度，后来者极难逾越。 但竞争的赛道本身正在被重构，上海的目标并非在旧跑道上追赶，而是要利用"金融科技"这条新赛道，改变 游戏规则。 传统金融中心的强大之处，在于其规则的确定性。全球资本之所以流向纽约华尔街和伦敦金融城，是因为那 里有最完备的法律体系、最丰富的金融产品。 但上海的打法完全不同。早在2020年1月，上海就发布了《加快推进上海金融科技中心建设实施方案》，明 确提出要用5年时间，将上海建设成为具有全球竞争力的金融科技中心。 当老牌中心的银行还在优化其复杂的内部系统时，上海的金融机构已经开始大规模应用人工智能、区块链和 大数据，从根本上改变信用评估和服务交付的方式。 对于个人而言，金融服务正在从过去的"大锅饭"模式，进化到精准的"千人千面"。比如，上海银行与蚂蚁数 科合作推出的AI手机银行，以及浦发银行的AI财富管家，它们不再是简单地推荐几款理财产品。 "人工智能"、"区块链"，这些词汇听起 ...

Core Viewpoint - The article highlights the recent developments in the digital renminbi sector, particularly focusing on the promotion and regulation of electronic documents to enhance digitalization in trade and logistics, while encouraging the use of digital renminbi for cross-border payments [1][3][7]. Group 1: Electronic Document Regulations - The National Internet Information Office has drafted the "Regulations on Promoting and Standardizing the Application of Electronic Documents" to solicit public opinions [3]. - Financial institutions are encouraged to explore the use of digital renminbi for cross-border payments under a compliant and risk-controlled framework [3][4]. - Collaboration among enterprises, research institutions, and public service organizations is promoted to innovate in electronic document technology and share practical experiences [3][4]. Group 2: Digital Renminbi Developments - Chongqing has successfully executed its first bilateral cross-border settlement using digital renminbi, marking a significant milestone in cross-border transactions [7]. - The Beijing branch of China Merchants Bank has completed a cross-border remittance transaction using a digital renminbi wallet, amounting to 2.1 billion yuan, showcasing the innovative application of the mBridge system [8]. - The State Council has issued guidelines to enhance sports consumption, promoting the use of digital renminbi in sports-related transactions and encouraging local initiatives to issue digital renminbi sports consumption vouchers [8].

Core Viewpoint - The news highlights the advancements in cross-border financial services in Guangxi, China, particularly focusing on the successful implementation of innovative financial solutions that enhance the efficiency of international trade and investment, thereby supporting the region's economic growth and integration with ASEAN [1][2][3][4][5][6][7]. Group 1: Cross-Border Financial Innovations - A successful cross-border trade settlement of 202 million yuan was executed using the "Multilateral Central Bank Digital Currency Bridge," allowing for instant payment for a copper company [1]. - The establishment of a more efficient cross-border capital flow system is crucial for enhancing the financial support for Guangxi's ongoing integration with ASEAN [2]. - The People's Bank of China and the State Administration of Foreign Exchange expanded the pilot program for multinational companies' integrated currency pools, facilitating better cross-border fund management [3]. Group 2: Digital Financial Solutions - The introduction of the "Shipping Butler" service by the Bank of Communications significantly reduces the time required for payment processing in the shipping industry, from extensive paperwork to just five minutes [4]. - The "Hui Xiao Er" foreign exchange financial service team by the Bank of China in Qinzhou provided tailored services for a lithium company, resulting in efficient completion of a $160 million foreign investment [5]. Group 3: Economic Performance Metrics - In the first half of 2025, Guangxi's cross-border RMB settlement reached a record high of 442 billion yuan, marking a 30% year-on-year increase, leading the western provinces [6]. - Guangxi's total foreign-related income and expenditure reached $33.951 billion, reflecting a 15.6% increase year-on-year, ranking third among the western provinces [6]. - In the first seven months of this year, Guangxi's general trade import and export approached 200 billion yuan, with ASEAN remaining the largest trading partner [7].

Core Viewpoint - Shenzhen is actively promoting the construction of a world-class automotive city, focusing on new energy vehicles and modern industrial systems, supported by financial services from Postal Savings Bank of China [3][4]. Group 1: Economic Development - Shenzhen is transforming from a small border town to an international innovation city over 45 years, with financial empowerment being a crucial support [4]. - The Postal Savings Bank of China has established a comprehensive financial service system to support Shenzhen's "20+8" industrial cluster planning [4][5]. Group 2: Financial Support and Innovation - Since 2022, the Postal Savings Bank has supported major projects in the Deep-Shan Cooperation Zone, including a marine industry research center with a loan of 760 million yuan and a storage industry park with a loan of 205 million yuan [5]. - The bank has provided over 1 trillion yuan in funding to major projects in the Guangdong-Hong Kong-Macao Greater Bay Area, covering key projects like the Shenzhen Bay Biological Industry Park [5]. Group 3: Digital and Green Finance - The bank has successfully launched a cross-border remittance service using central bank digital currency, enhancing efficiency in logistics payments [6]. - As of mid-2025, the bank's green loan balance reached 25.15 billion yuan, growing by 4.8% since the beginning of the year, indicating a strong commitment to sustainable finance [7]. Group 4: Consumer Services and Support - The bank has initiated a consumer re-loan of 150 million yuan to support a leading enterprise in the cultural and entertainment sector, aligning with national policies to boost consumption [8]. - The bank has increased housing loan support, ranking second in net housing loan growth in the system for the first half of 2025 [9].

Core Viewpoint - The "Qianhai Model" has been established over 15 years, focusing on cross-border flow of factors and rule alignment, contributing to high-level openness and quality development in the Guangdong-Hong Kong-Macao Greater Bay Area [1] Group 1: Cross-Border Data Flow - The successful test of the Shenzhen-Hong Kong cross-border data security and convenience channel on July 1 allows data from Hong Kong University Shenzhen Hospital to be transmitted to Hong Kong's "Medical Health" system [2] - The new internet exchange center in Qianhai supports a full-chain management model that is controllable, risk-aware, and traceable, laying the foundation for the "Health Bay Area" [2] - Over 30 small and medium-sized enterprises in mainland China have successfully verified credit data through the platform, obtaining loans totaling over 100 million HKD [2] Group 2: Cross-Border Financial Innovations - The first cross-border settlement of 200 million yuan using a digital currency bridge was achieved on April 10, 2025, marking a significant development in cross-border digital currency transactions [3] - The "30 Financial Support Policies for Qianhai" have been implemented with over 90% success rate, leading to numerous innovative financial achievements and enhancing Hong Kong's status as an international financial center [3][4] Group 3: Cross-Border Professional Practices - The Qianhai Ma Wan No. 19 unit school will implement a Hong Kong and international construction management model, serving as a pilot project for the new management approach [5] - 26 categories of professionals from Hong Kong and Macao can now practice in Qianhai without taking mainland qualification exams, facilitating their integration into the mainland market [6] - The establishment of a global professional talent service system is underway, promoting orderly recognition of professional qualifications from Hong Kong and Macao [6]

为助力上海国际金融中心建设，中国人民银行行长潘功胜6月18日在2025陆家嘴论坛开幕式上宣布八项 重磅金融开放举措，包括在上海临港（600848）新片区开展离岸贸易金融服务综合改革试点，在上 海"先行先试"结构性货币政策工具创新等。这些政策以制度型开放为核心，释放了鲜明的开放信号。 今年以来，中国人民银行等金融管理部门出台了多项开放措施，推动金融业高水平开放稳步拓展，持续 提升金融体系竞争力。 持续推动人民币跨境支付系统（CIPS）建设和发展，内地与香港快速支付系统互联互通上线，实现与 多国跨境二维码支付互联互通，数字人民币及多边央行数字货币桥跨境支付场景不断丰富，统筹推进人 民币清算行布局、离岸人民币市场发展、双边本币互换、人民币跨境使用取得积极进展……8月1日，中 国人民银行召开2025年下半年工作会议暨常态长效推动中央巡视整改工作推进会，总结今年以来我国金 融业高水平对外开放"成绩单"。 值得关注的是，人民币跨境支付、投融资、储备等国际货币功能逐步增强，人民币"朋友圈"不断扩容。 截至5月31日，中国人民银行与32个国家和地区的中央银行或货币当局签署双边本币互换协议，境外央 行或货币当局动用人民币未到期 ...

转自：新华财经 近日，兴业银行总行公布了全国首批34家"国际业务重点支行"名单，兴业银行厦门自贸试验区象屿支行 和厦门观音山支行入选，并于近日正式揭牌。 兴业银行厦门观音山支行坐落于国际商务营运中心，聚集了大批知名企业及新兴科技公司，是厦门总部 经济发展的活力窗口。观音山支行致力于为跨国集团、高端制造及科技型企业提供优质的金融便利，切 实服务实体经济。支行跳出传统信贷思维，更加突出个性化服务模式，充分发挥兴业跨境在岸全账户 （FT、HT、EF、NRA、本外币合一账户）体系优势，依托"兴业管家国际业务"线上平台，提供涵盖跨 境结算、贸易融资、汇率避险、全球资金管理等在内的一站式跨境金融服务，让"走出去"企业轻装上 阵。新型离岸国际贸易等新模式新业态在这里拔节生长，支行有力支持了"厦门智造"走出国门，扬 帆"出海"。 相关负责人介绍，下一步，兴业银行厦门分行将持续优化国际业务布局，进一步发挥国际业务重点支行 的示范作用，以更开放的姿态、更专业的服务、更优质的产品，助力本土企业拓展全球市场，为厦门打 造更高水平对外开放门户枢纽贡献源源不断的金融力量。（李鑫） 编辑：赵鼎 厦门自贸试验区象屿支行：聚焦航运物流，打造跨 ...

作为国民经济的重要支柱和金融市场的重要参与者，央企跨境金融业务备受关注。 自6月末率先迁址至雄安新区，中国中化控股有限责任公司（以下简称"中国中化"）所属持牌金融机构 ——中化集团财务有限责任公司（以下简称"中化财务公司"）外汇业务"搬家"也如期而至。 据《金融时报》记者了解，7月20日，中化财务公司外汇业务已迁移至雄安新区并顺利落地首笔业务， 成功实现了全国首次跨境资金池跨区域迁移。 "中国中化的成员企业具有分布全球化、产业布局多元化的特点。"中化财务公司相关负责人介绍，"此 次迁移涉及外汇业务范围广、规模大、账户多，覆盖中国中化境内外成员企业140余家。" 将外汇业务根基扎进雄安，实现外汇资质无缝衔接只是第一步。上述负责人表示，中化财务公司将充分 发挥外汇业务优势，持续开展政策研究与业务创新，不断提升全球化资金运营与金融服务能力，为境内 外成员企业提供更加高效、便捷、智能的外汇金融服务。 依托政策支持，央企金融板块在跨境金融领域加速实现业务模式突破、资源聚合以及功能升级。近一段 时间，一批涉及大型央企跨境资金统筹调度、跨境投融资便利化的产融协同正在加速推进，央企财务公 司在CIPS（人民币跨境支付系统）场 ...

Group 1 - The core viewpoint of the news is that the People's Bank of China Shenzhen Branch and the State Administration of Foreign Exchange Shenzhen Branch reported stable growth in credit volume and an optimized credit structure in Shenzhen, with significant support for key sectors such as technology innovation, inclusive small and micro enterprises, and green development [1][2][3] Group 2 - As of June 2025, the total balance of deposits in Shenzhen reached 14.16 trillion yuan, an increase of nearly 600 billion yuan since the beginning of the year, while the total balance of loans was 9.85 trillion yuan, up over 350 billion yuan [2] - The balance of loans for technology innovation reached 2.1 trillion yuan, inclusive small and micro loans nearly 2 trillion yuan, green loans 1.3 trillion yuan, and digital economy loans 1.3 trillion yuan, all growing faster than the overall loan growth rate [2] - The average interest rate for newly issued corporate loans in Shenzhen was 2.85% in June 2025, a year-on-year decrease of 0.52 percentage points, marking a historical low [2][3] Group 3 - A comprehensive monetary policy package was implemented in May 2025, releasing 61.4 billion yuan to support the real economy, with a focus on lowering policy interest rates and stabilizing bank net interest margins [3] - Over 1,850 technology enterprises and 89 projects received more than 41 billion yuan in loans through the technology innovation and technological transformation relending program [3] - The financial institutions in Shenzhen have provided loans exceeding 33 billion yuan to over 110,000 small and micro enterprises and individual businesses through various initiatives [4] Group 4 - The issuance of technology innovation bonds by nine technology enterprises and equity investment institutions in Shenzhen totaled 20.75 billion yuan [4] - Carbon reduction loans amounting to 18.75 billion yuan have been issued to support green infrastructure and energy projects, resulting in a reduction of 3.95 million tons of carbon emissions [4] - The digital RMB pilot has seen nearly 30 million digital wallets opened and 3,800 prepaid business institutions signed up, managing nearly 3.1 billion yuan in prepaid funds [4]