扎根上海，上海农商银行坚守普惠金融，聚焦中小微企业、个体工商户等重点群体，构建起"产品丰富 +服务提质+场景深耕"的全方位服务体系。 产品矩阵持续丰富，针对不同行业企业不同发展阶段的实际金融诉求，上海农商银行推出多元化产品， 覆盖企业从初创到成熟的全生命周期需求，包括各类园区批次贷、鑫孵担保贷、汇率避险专项担保产品 等，持续赋能中小企业成长。 近日，上海农商银行落地上海市首笔"政府采购贷"担保业务，为一家中标政府采购项目的"白名单"企业 提供信贷支持，切实为企业融资"增信减负"。 "政府采购贷"担保业务是上海市中小微企业政策性融资担保基金管理中心(以下简称"市担保中心")联合 试点银行推出的专项产品，为近三年中标上海各级政府采购项目的"白名单"企业定制专项金融服务—— 由银行提供信贷支持，市担保中心提供政策性担保并提高担保额度上限。作为首批试点银行，上海农商 银行迅速部署专项方案，明确服务流程与标准，为业务落地提供全流程保障。 首次享受到政策红利的上海YJ信息科技有限公司，凭借稳定的项目履约能力入选"政府采购贷"白名单， 因其承接的教育信息化及政府基础设施改造项目回款周期长，面临前期资金垫付压力。上海农商银行 ...

Core Viewpoint - The article emphasizes the importance of high-quality capital project openings for enterprises seeking to expand globally, highlighting the shift from single-market strategies to multi-regional collaboration in response to market competition and external challenges [1] Group 1: Cross-Border Financial Services - The demand for cross-border financial services is expected to accelerate due to increasing international market competition and the restructuring of global trade patterns caused by tariff wars [2] - The "Action Plan" introduces 18 measures aimed at improving cross-border settlement efficiency, optimizing exchange rate hedging services, enhancing financing services, strengthening insurance protection, and refining comprehensive financial services [2] - Specific measures include supporting RMB cross-border trade refinancing through rediscount windows and promoting full-function corporate group cross-border cash pool services to reduce time and funding costs for enterprises [2] Group 2: Financial System Reform - The "Action Plan" is designed to optimize practical operations within the existing institutional framework, enhancing the sensitivity and adaptability of China's financial system to international economic and trade conditions [3] - The article discusses the need for proactive preparations by the People's Bank of China to address challenges posed by the U.S. in the international financial system, particularly in light of the ongoing tariff wars and the implications for the RMB [3][4] - Recommendations for reform include establishing an endogenous stability anchor for the RMB, improving the market-based RMB exchange rate formation mechanism, and accelerating the opening of the foreign exchange market [4] Group 3: Support for Enterprises - The article stresses the necessity of reducing costs and improving efficiency through the "Action Plan" to support enterprises in their global expansion efforts [5] - It highlights the importance of believing in the capabilities of enterprises to explore international markets, suggesting that confidence is essential for achieving remarkable outcomes [5]

【钛媒体综合】4月23日下午，中国人民银行举行新闻发布会，解答了围绕《上海国际金融中心进一步 提升跨境金融服务便利化行动方案》的一系列热点问题。 对于方案的亮点，中国人民银行研究局局长王信指出，多项政策先行先试，为在其他地区复制推广提 供"上海经验"。例如，试点通过再贴现窗口支持人民币跨境贸易再融资，这项举措已于2024年12月在上 海正式启动，可以缓解外贸企业投资以及盘活资产，鼓励引导商业银行进一步提升对外贸企业的支持力 度。 优化业务流程，力求为"走出去"企业构建一个安全、便捷、高效参与国际竞争与合作的金融服务环境。 例如，完善上海自贸区全功能资金池跨境资金调拨，鼓励银行逐步实现资金跨境支付自动化处理，延长 对重点企业集团跨境资金池等业务的服务时间，实现全球资金实时调拨。 针对企业融资、外汇风险管理等多个场景进行产品创新。例如，支持银行不断增加境内市场人民币外汇 衍生品种类，开发汇率避险专项担保产品，由财政提供担保费补贴。支持具备条件的银行参照国际惯 例，探索在上海自贸区为"走出去"企业提供非居民并购贷款服务，将贷款金额放宽至并购交易价款的 80%，期限也延长到10年。 对于上海将如何推进方案的落地，上海 ...

2025.04. 23 本文字数：3486，阅读时长大约5分钟 作者 | 第一财经 杜川 在近日《上海国际金融中心进一步提升跨境金融服务便利化行动方案》（下称《行动方案》）重磅发 布后，市场对于《行动方案》的落地计划和安排、如何进一步服务企业"走出去"、《行动方案》有 哪些首创性的政策探索颇为关注。 4月23日，中国人民银行举行新闻发布会，正式介绍《行动方案》相关情况。第一财经在发布会上了 解到，方案的出台是推动上海国际金融中心建设迈向更高阶段的重要举措，在我国金融对外开放和经 济高质量发展进程中具有标志性意义。 人民银行副行长陆磊在发布会上指出，《行动方案》紧紧围绕两个核心要点展开：一是突出上海国际 金融中心建设，二是聚焦提升跨境金融服务便利化。他强调，《行动方案》推出系列金融支持政策， 形成赋能企业"走出去"的强大支撑体系，有利于提升上海国际金融中心国际化水平，持续增强上海国 际金融中心的竞争力和影响力，更好地服务金融强国建设。 上海市委常委、常务副市长吴伟在发言中表示，上海是中国对外开放的重要窗口，上海自贸试验区具 备先行先试的制度优势。将全力配合金融监管部门抓紧推动《行动方案》的落地落实，确保每项举措 ...

Core Viewpoint - The article discusses the issuance of the "Action Plan for Further Enhancing Cross-Border Financial Service Facilitation in Shanghai International Financial Center," aimed at improving cross-border financial services to support enterprises participating in international competition and the Belt and Road Initiative [1][2]. Group 1: Overall Requirements - The plan is guided by Xi Jinping's thoughts and aims to deepen financial institutional opening, enhancing support for "going global" enterprises and the Belt and Road Initiative, thereby forming a financial system that better fits an outward-oriented economy [3]. Group 2: Main Content Improving Cross-Border Settlement Efficiency - The plan includes optimizing foreign exchange business management and processes, supporting banks in implementing new regulations, and establishing a mechanism for banks to appeal against alleged violations [4][5]. - It aims to enhance global fund management for enterprises by optimizing policies for integrated currency pools and encouraging banks to automate cross-border payments [5]. - The plan promotes the expansion of free trade account functions and applications, allowing for real-time cross-border payments and supporting banks in developing deposit products based on free trade accounts [5][6]. - Financial institutions are encouraged to enhance digital services, including cross-border digital identity verification and the use of blockchain technology for document authenticity [6]. - The plan seeks to improve the functionality and global network coverage of the Cross-Border Interbank Payment System (CIPS) to facilitate efficient settlement services for global trade and investment [6]. Optimizing Exchange Rate Hedging Services - The plan supports the development of diverse exchange rate hedging products and services, encouraging banks to enhance their offerings and promote awareness among enterprises regarding exchange rate risk management [7][8]. - It emphasizes the importance of promoting the use of the Renminbi in cross-border transactions, encouraging banks to optimize document review processes and enhance data sharing [8]. Strengthening Financing Services - The plan aims to establish a cross-border syndicate loan center and facilitate trade refinancing through rediscount windows to lower financing costs for enterprises [9][10]. - It supports the exploration of dual financing channels for enterprises and encourages financial leasing companies to engage in cross-border financing activities [10][12]. Enhancing Insurance Support - The plan proposes increasing insurance support for export enterprises, particularly in key sectors like aviation and new energy vehicles, and developing specialized insurance products for cross-border personnel [13][14]. - It aims to improve export credit insurance services for small and micro enterprises, facilitating access to low-cost financial services [14][15]. Improving Comprehensive Financial Services - The plan focuses on enhancing the global resource allocation capabilities of important financial platforms and improving the convenience of global asset management [17]. - It encourages the development of integrated service platforms to facilitate seamless connections between online and offline services [18]. Group 3: Guarantee Measures - A collaborative mechanism involving various financial and governmental institutions will be established to promote the implementation of the action plan [18]. - The plan emphasizes the importance of publicizing policies and providing detailed services to enterprises [19]. - It highlights the need for legal frameworks to support the development of an offshore financial system in Shanghai [20].