数年前，浙江一家外贸企业负责人决定开拓印度尼西亚市场，出售益智类玩具产品，但在以美元计价方式进行结算后，他深感 这不仅费时，而且还需承受高额汇兑损失——若在签订合同和交货收款时，美元兑人民币汇率从7∶1跌至6.9∶1，那一笔700万元 的玩具订单，便会出现10万元折损。 囿于国际主流支付结算体系以美元为核心，这位外贸企业负责人只能习惯汇兑风险带来的胆战心惊。但伴随贸易流向转变及结 算便利需求增加，他惊喜地发现，通过跨境人民币结算，不仅可以推动经营效益提升，还能大幅规避汇率风险。 这背后正得益于中国高层大力推动跨境人民币结算便利化。近年来，中国人民银行（下称"中国央行"）持续加强与境外央行间 本币结算合作，叠加中国外贸动能向新、企业海外布局多元化等因素，即便在关税威胁的逆境下，中国外贸依然展现出较强的 韧性和活力。 "美国政府4月宣布对中国输美商品征收对等关税，出口欧美市场占比较高的部分低端产业一度观望。但更多企业在上一轮 （2018年）关税摩擦后，海外布局就已转向，因此本轮受影响不大。" 过去一个月，《财经》采访了来自江苏、浙江、上海、北京、福建、新疆、云南等多地的金融机构、外贸企业，以及国际组织 和部分权威 ...

Core Viewpoint - The article emphasizes the increasing importance of foreign exchange financial services in the context of China's "dual circulation" development strategy and the deepening of enterprises going global, highlighting the role of CITIC Bank's Beijing branch in providing comprehensive foreign exchange services to support the real economy [1] Group 1: Brand Development and Service Differentiation - CITIC Bank's Beijing branch is focused on building the "Xin Foreign Exchange+" brand to create differentiated service advantages in cross-border finance, targeting core business scenarios such as international trade, foreign exchange hedging, and cross-border investment [2] - The "Xin Foreign Exchange+" framework includes a "4+N" comprehensive service system, offering four main pillars: settlement services, financing support, trading services, and intelligent consulting, along with diversified service scenarios like supply chain finance [2] - In 2024, the branch aims to maintain a leading position in the market with an international balance of payments scale of $86.9 billion, a cross-border RMB scale of 166.4 billion yuan, and a 33% increase in foreign exchange value clients [2] Group 2: Innovation in Foreign Exchange Services - The branch leverages its global network to provide global account services, enabling quick cross-border fund transfers and sharing of account information [3] - The "Cross-Border Hundred Guarantee Box" service covers various guarantee needs, supporting enterprises in expanding overseas markets and managing international cooperation [3] - The bank supports direct exchange and settlement in 20 currencies and has introduced the "Exchange at Hand" service for small currencies, facilitating transactions in nearly 150 countries along the Belt and Road [3] Group 3: Digital Transformation - CITIC Bank's Beijing branch has developed a digital foreign exchange service platform to enhance service efficiency through technology [5] - The self-developed foreign exchange trading system, "Foreign Exchange Trading Pass," automates and streamlines the trading process, covering market analysis, risk management, and transaction quoting [5] - The branch has launched various online channels, including online banking and cross-border cash pools, to provide integrated and convenient cross-border financial services [6] Group 4: Future Outlook - The branch plans to continue its customer-centric service philosophy and maintain its strategic positioning as a leading foreign exchange service bank, focusing on innovation in service products and models [6] - The goal is to provide precise, efficient, and convenient foreign exchange services to support high-quality development of the real economy while achieving sustainable growth and value enhancement for the bank [6]