此次创新业务的落地，既是工行苏州分行响应长三角一体化、沪苏同城战略的具体举措，也为苏州与香 港两地数字金融联动搭建了新纽带。未来，工行苏州分行将持续深化数字金融创新，以更优质的跨境金 融服务，为区域经济高质量发展注入金融动能，助力更多企业在全球市场行稳致远。（王宇静） 编辑：赵鼎 作为服务实体经济、助力企业"走出去"的金融主力军，工行苏州分行始终聚焦跨境金融的效率与创新。 该行通过数字人民币系统与多边央行数字货币桥等新型金融基础设施，不仅为苏州企业跨境投资开辟 了"高效、便捷、安全"的新路径，更以实际操作验证了数字人民币在资本项下跨境场景的可行性，为全 国数字人民币跨境应用输出了可复制、可推广的"苏州经验"。 转自：新华财经 近日，中国工商银行苏州分行（以下简称"工行苏州分行"）携手江苏金服数字集团，成功将数字人民 币、多边央行数字货币桥与传统跨境金融流程深度融合，为苏州某科技企业向其香港子公司完成总额度 为3000万元的数字人民币跨境汇款。这标志着"数字人民币+货币桥+跨境投资"新模式业务正式落地， 是工行苏州分行在数字金融跨境应用领域的又一突破性实践。 ...

哈喽大家好,老张今天带大家聊聊咱们的人民币的影响力。年末岁尾，外汇市场直接上演 "神仙打架"—— 人民币对美元今年已累计大涨，可美 联储官员们接连放鹰，市场瞬间吵翻了天。 人民币的底气 最近人民币对美元一路涨，好多人以为是短期跟风，其实不然——这背后是人民币憋了好几年的"硬实力爆发"，尤其是跨境支付这块，直接 摆脱了被别人"卡脖子"的风险！ 以前大家总担心，美国掌控着SWIFT和CHIPS，万一搞制裁，人民币跨境结算就会断档。 但现在完全不用慌了：咱们的人民币跨境支付系统（CIPS）已经有187家直接参与者和1559家间接参与者，境外参与者占比高达63.7%，业务 覆盖122个国家和地区，还能通过5000多家法人银行辐射全球190个国家和地区。 更牛的是"多边央行数字货币桥"项目，靠区块链技术实现跨境支付实时清算，直接绕开了SWIFT报文。2022年试点就完成了164笔交易，结算 超1.5亿元，数字人民币占比46.6%；2024年沙特央行直接加入，还有30多个国家当观察员，同年10月国际清算银行宣布项目由参与央行接手， 相当于给人民币跨境支付上了"双保险"。 再加上中俄贸易99.1%都用本币结算，2024年3 ...

Core Insights - The People's Bank of China (PBOC) in Zhongshan has successfully facilitated cross-border RMB remittances for TCL Air Conditioner (Zhongshan) Co., Ltd. through a multi-central bank digital currency bridge, providing efficient and convenient services that have been highly praised by the company [1][2] - Since 2025, the PBOC in Zhongshan has actively promoted digital RMB business innovations, leveraging advantages such as real-time settlement, low costs, and traceability to provide more efficient financial support to the real economy [1][2] Group 1 - The multi-central bank digital currency bridge is a new cross-border payment mechanism established under the framework of the Bank for International Settlements, designed to create a high-efficiency, low-cost, and strongly regulated cross-border payment path [2] - Unlike traditional cross-border remittances that rely on the SWIFT system and intermediary banks, the currency bridge enables direct "point-to-point" settlement, allowing commercial banks to connect directly with central banks [2] - This mechanism has opened a "fast lane" for cross-border remittances, enabling funds to be settled on the same day, achieving "second-level" arrival times, while effectively reducing fees and enhancing fund transparency [2] Group 2 - The PBOC in Zhongshan plans to strengthen business supervision and guide local digital RMB pilot institutions to continuously expand the application scenarios of the currency bridge [2] - The goal is to provide precise and efficient new cross-border payment solutions for more foreign-related enterprises, further empowering local economic development and contributing to the establishment of a high-level open economy [2]

Group 1 - The total assets of financial institutions in China exceeded 520 trillion yuan as of September 2025, with commercial banks' capital adequacy ratio at 15.36% and non-performing loan ratio at 1.52% [1] - The comprehensive solvency adequacy ratio for insurance companies is 186%, while the average risk coverage ratios for securities and futures companies are 295% and 226% respectively [1] - A multi-channel and widely covered cross-border payment system for the renminbi has been established, with significant roles played by the CIPS and various non-bank payment institutions [1] Group 2 - Cross-border payment businesses face three main challenges: complex regulations, settlement and exchange rate risks, and difficulties in local operations due to cultural and institutional differences [2] - Recommendations for overcoming these challenges include establishing local compliance capabilities, collaborating with local banks, and optimizing payment processes to manage currency risks [2] - The demand for flexible settlement and local payments is driven by the growth of cross-border e-commerce, SMEs, and digital trade, with technological innovations providing opportunities for cost reduction and efficiency improvement [3] Group 3 - The trend of strengthening cooperation among cross-border payment institutions is emerging, with a focus on achieving synergy between capital flow, logistics, and information flow [3] - Key factors for Chinese enterprises going global include market selection and layout capabilities, cross-border payment and fund management abilities, local compliance and operational support, as well as risk control and exchange rate management [3]

会上介绍，打造数字金融特色应用场景。积极推进数字人民币试点，深圳地区累计开立数币钱包近3000 万个，预付式消费领域签约商家近5000家、管理预付资金约47亿元。推动多边央行数字货币桥保持"扩 面"态势，累计开展业务金额超百亿元。推广运用全国中小微企业资金流信用信息共享平台，截至9月 末，辖内已有19家银行机构接入资金流平台，累计有效资金流授权超过1万个，累计资金流报告查询量 累计达8万笔。深圳总部机构通过资金流平台发放贷款总额达250亿元。 北京商报讯（记者 刘四红）10月24日，人民银行深圳市分行、国家外汇管理局深圳市分局举行2025年 三季度新闻发布会，介绍深圳金融运行有关情况。 ...

Core Insights - The People's Bank of China Shenzhen Branch and the State Administration of Foreign Exchange Shenzhen Branch held a press conference on October 24, 2023, highlighting Shenzhen's efforts in developing digital financial applications [1] Group 1: Digital Currency Initiatives - Shenzhen has actively promoted the digital yuan pilot program, with nearly 30 million digital wallets opened in the region [1] - In the prepaid consumption sector, around 5,000 merchants have signed contracts, managing prepaid funds of approximately 4.7 billion yuan [1] Group 2: Central Bank Digital Currency (CBDC) Expansion - The multilateral central bank digital currency bridge has maintained an "expansion" trend, with total business volume exceeding 10 billion yuan [1]

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]

Core Insights - Shanghai is positioning itself to challenge the long-standing dominance of New York and London as global financial centers by leveraging financial technology rather than competing on traditional grounds [1][3][12] - The city aims to become a globally competitive financial technology hub within five years, as outlined in its 2020 implementation plan [3][10] - Shanghai's financial institutions are rapidly adopting technologies like artificial intelligence, blockchain, and big data to transform credit assessment and service delivery [3][5] Financial Technology Integration - AI and blockchain technologies are deeply integrated into Shanghai's financial services, leading to significant changes in how services are delivered to individuals and businesses [5][6] - Personalized financial services are evolving from a one-size-fits-all approach to tailored solutions based on over 200 data dimensions, enhancing user experience [6] - Financial technology is addressing the challenges faced by small and micro enterprises in securing loans, shifting the focus from collateral to data-driven assessments [6] Efficiency and Cost Advantages - New payment systems, such as the "multilateral central bank digital currency bridge," demonstrate significant efficiency and cost advantages, enabling near-instantaneous cross-border transactions [8][10] - The use of blockchain technology in commodity financing, exemplified by the Shanghai Nonferrous Metals Network, has drastically reduced the time required for loan approvals from weeks to as little as two hours, improving efficiency by 84 times [6][8] Talent and Policy Support - Shanghai is actively attracting and nurturing talent through initiatives like the "financial technology professional certification" and special visas for top foreign talent [10] - The convergence of technology, talent, capital, and supportive national policies is aimed at establishing Shanghai as a key player in shaping future global financial rules [10][12] Vision for the Future - Shanghai's ambition is not merely to improve its position on the existing financial map but to create a new financial landscape characterized by data depth and technological speed [12] - The rapid cross-border payment capabilities and AI-driven financial services are seen as foundational elements of this new financial world [12]

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].