Core Insights - The Ningbo branch of the State Administration of Foreign Exchange has focused on addressing the challenges faced by foreign-related enterprises in managing exchange rate risks, achieving a significant increase in the hedging rate to 30.1% in the first seven months of this year, up 11.7 percentage points year-on-year, marking a historical high [1][2] Group 1: Policy Implementation - The branch has implemented targeted policies to support small and micro enterprises, recognizing their sensitivity to exchange rate hedging costs, and has introduced various subsidy measures from 2021 to 2024 [1] - New policies introduced in April 2023, including subsidies for foreign trade enterprises' option business costs, have significantly reduced operational costs for businesses [1] Group 2: Service Enhancement - The branch has improved service quality by encouraging banks to reduce fees and offer preferential spreads, as well as providing specialized credit for exchange rate hedging that does not count against the total credit limit of enterprises [2] - The efficiency of processing hedging transactions has been greatly enhanced, reducing the time taken from 10-15 minutes to under 30 seconds [2] Group 3: Education and Awareness - The branch has promoted the concept of risk neutrality in exchange rate hedging through multiple outreach activities, reaching over 600 enterprises this year [2] - A network of foreign exchange liaison officers has been established, with over 1,100 personnel visiting 26,000 enterprises to provide policy services and enhance awareness of exchange rate risk management [2]

Core Viewpoint - The Bank of China Shandong Branch is actively implementing foreign exchange policies to enhance service delivery to enterprises, aiming to stabilize and improve foreign trade in the province through various initiatives and competitions [1][3]. Group 1: Foreign Exchange Policy Implementation - The bank is conducting the "Lü Trade and Finance for the People" foreign exchange skills competition to promote compliance with foreign exchange regulations and expand the benefits of foreign exchange policies [1]. - Since the beginning of the competition, the bank has focused on enhancing its capabilities in foreign exchange management and service delivery to the real economy, launching multiple initiatives to improve financial services [3]. Group 2: Service Initiatives and Achievements - The bank has organized over 38 promotional events and visited more than 950 enterprises to raise awareness of foreign exchange facilitation policies and encourage participation in the foreign exchange market [3]. - Collaborative efforts with organizations like China Export & Credit Insurance Corporation and the China-Europe Railway Express have been established to provide comprehensive cross-border financial services to export-oriented enterprises [3]. - The bank has served over 1,400 foreign trade enterprises and disbursed loans totaling 4.2 billion yuan, leading among financial institutions in the province [3]. Group 3: Industry-Specific Support - The bank has tailored foreign exchange products and services to meet the specific needs of the wood industry cluster, providing support for both raw material importers and product exporters [4]. - Financial products such as trade financing and cross-border quick loans are offered through digital platforms to meet the financing needs of various enterprises in the wood industry [4]. - The bank plans to continue implementing foreign exchange management requirements and facilitate enterprises' international expansion, contributing to the high-quality development of Shandong's open economy [4].

构建"双循环"格局，推动城市高质量发展，外贸作用不可替代。青岛市委金融办一直高度聚焦外贸领域 高质量发展和外贸企业纾困解难，积极引导金融机构创新产品和服务模式，加大金融支持力度。今年以 来，深入推进"金融+商务"专项对接活动，对于年初摸排的200余家外贸企业融资需求，组织金融机构主 动走访对接，实现新增授信211亿元、新增放款79亿元。组织开展金融政策产品"直播季"外贸专场，邀 请多家金融机构专家开展直播宣传，推动金融政策、信贷产品直达快享。聚焦外贸企业融资难点堵点， 组织银行、保险、担保等各类金融机构密集开展"金融问诊"，探讨具有可行性的融资方案，协调加快贷 款审批。 青岛市委金融办表示，下一步，将以此次活动为契机，积极搭建政金企信息共享和融资互促平台，优化 金融生态环境，完善政策支持体系，为金融机构开展业务创造有利条件，为外贸企业发展提供有力的金 融支撑。助力建设银行充分发挥"速度快、费率优、产品全、服务周"的差异化优势，让金融"活水"精准 滴灌外贸经济高质量发展，为企业扬帆出海推波助力、保驾护航。 中证报中证网讯（记者 张鹏飞）9月16日，"扬帆出海 金融护航——百城万企稳外贸"青岛站活动举行。 本次活 ...

Core Insights - The article emphasizes the importance of cross-border trade in the context of global economic integration, highlighting the challenges posed by exchange rate fluctuations, settlement efficiency, and supply chain coordination [1] Group 1: Exchange Rate Management - Suzhou Bank addresses the "exchange rate anxiety" faced by companies venturing abroad by providing a comprehensive exchange rate risk management system, including forward and swap products tailored to specific business models [2] - A case study illustrates how Suzhou Bank helped an import-export company secure a large commodity order by implementing a risk reversal option strategy, effectively locking in exchange rates and mitigating long-term risks [2] Group 2: Settlement Efficiency - The bank enhances settlement efficiency through technological innovations, enabling rapid fund transfers and automated processing, which are crucial for business expansion [3] - Features such as intelligent remittance paths, OCR invoice recognition, and real-time tracking streamline the cross-border payment process, significantly reducing transaction times and costs [3][4] - The "lightning letter of credit" service allows for same-day issuance of letters of credit, further accelerating the transaction process [3] Group 3: Digital Financial Services - Suzhou Bank's digital cross-border financial services create a "highway" and "moat" for cross-border settlements, facilitating faster and more efficient global business operations [4] - In the first half of 2025, the bank's international settlement volume exceeded $13.6 billion, marking a 30% year-on-year increase, while cross-border RMB settlement volume surpassed 14.5 billion yuan, reflecting a 53% growth [4] Group 4: Global Network Expansion - The bank has established a broad network of over 230 financial institutions across more than 30 countries and regions, enhancing its global reach [5] - Suzhou Bank offers a comprehensive "14+5" service package for enterprises going abroad, covering all aspects of financial services and policy support, thereby strengthening international competitiveness [5]

Group 1 - The core viewpoint of the article emphasizes the importance of cross-border trade and the challenges faced by enterprises, such as exchange rate fluctuations and settlement efficiency, which Suzhou Bank addresses through innovative measures and professional services [2][3][4]. Group 2 - Exchange rate management is crucial for enterprises engaged in cross-border trade, and Suzhou Bank provides tailored hedging services to mitigate risks associated with currency fluctuations [3][4]. - The bank has established a comprehensive exchange rate risk management system, offering products like forward and swap contracts, and conducts in-depth market analysis to support clients [3][4]. - A specific case is highlighted where Suzhou Bank assisted a client in locking in exchange rates for a large commodity order, effectively managing their currency risk [3]. Group 3 - Settlement efficiency is vital for businesses, and Suzhou Bank leverages technology to enhance cross-border payment processes, ensuring rapid and secure transactions [4][5]. - The bank's automated systems streamline the remittance process, reducing costs and improving transaction speed, which is essential for maintaining cash flow in international trade [4][5]. - Innovations such as "lightning letter of credit" services and real-time document tracking significantly reduce processing times for trade finance [4][5]. Group 4 - Suzhou Bank has expanded its international network, establishing relationships with over 230 financial institutions across more than 30 countries, enhancing its global service capabilities [6]. - The bank offers a comprehensive "14+5" service model for enterprises looking to expand internationally, providing financial services and support throughout the overseas business lifecycle [6]. - Collaborations with institutions in Belt and Road Initiative countries strengthen the bank's position in facilitating international market entry for local businesses [6]. Group 5 - The bank's cross-border financial services have shown significant growth, with international settlement volumes exceeding $13.6 billion, a 30% increase year-on-year, and cross-border RMB settlement volumes surpassing 14.5 billion yuan, a 53% increase [5][7]. - Suzhou Bank's performance in the cross-border financial sector has garnered recognition from enterprises and the market, reflecting its professional strength and innovative capabilities [7].

经济日报记者 王宝会 7月14日，海关总署在国新办举行的新闻发布会上披露数据显示，我国外贸经营主体活力不断释 放。上半年，我国有进出口实绩的外贸企业62.8万家，历史同期首次突破60万家，较去年同期增加了4.3 万家。其中，民营企业54.7万家，进出口增长7.3%，占进出口总值近六成。河南、浙江等地金融监管部 门日前也发布相关通知，鼓励银行创新金融产品和服务模式，积极提供全链条、一揽子综合金融服务， 为外贸企业"出海"保驾护航。 具体来看，河南金融监管局印发《关于进一步做好外贸企业金融服务的通知》，全力夯实外贸金融 服务支撑。浙江金融监管局在现有小微融资协调工作机制下单列外贸板块，将走访对象扩大至全部外贸 企业。截至2025年5月末，已走访外贸企业6.2万家，累放贷款金额3885亿元。 今年5月份，国家金融监督管理总局等8部门发布《支持小微企业融资的若干措施》提出，加大对跨 境电商等外贸新业态小微企业的金融支持。金融监管总局发布《关于做好2025年小微企业金融服务工作 的通知》也提出要加力支持小微外贸企业，依托进出口贸易场景及订单、物流等数据要素，提升信用评 估和金融服务水平，促进稳外贸稳增长。 中国邮政储蓄 ...

Core Viewpoint - The article highlights the significant advancements in cross-border financial support policies that are facilitating Chinese enterprises' international expansion, marking a golden era for "going global" initiatives [1][2]. Group 1: Cross-Border Financial Innovations - The establishment of the FT account in 2014 has revolutionized cross-border settlement for Chinese companies, simplifying the previous complex multi-account management system into a more efficient "one account for global access" model [1][2]. - China Construction Bank (CCB) Shanghai Branch has pioneered a "total-sub" management model using financial technology, creating a transparent electronic ledger system that has been replicated in other regions [1][2]. - As of May 2023, CCB Shanghai Branch has opened FT accounts for over 10,000 clients and issued loans totaling nearly 600 billion yuan, with 40% directed towards overseas clients [2]. Group 2: Strategic Collaborations and Services - CCB Shanghai Branch has established a global financial service center to support the Belt and Road Initiative and Shanghai's development as a global financial hub, aligning with the Shanghai Cross-Border Financial Service Facilitation Action Plan [1][2]. - The bank offers customized full-chain service packages for industries such as aviation and shipping, leveraging its international elite team and comprehensive financial support from its parent company [2][4]. Group 3: Tailored Financial Solutions - CCB Shanghai Branch has developed a comprehensive cross-border financial service solution for companies like Dongfulong Group, including issuing guarantees and establishing cross-border cash pools to enhance fund utilization efficiency [4][5]. - The bank has successfully facilitated a strategic partnership with a major Brazilian mining group, enhancing international financial transactions and achieving significant transaction volumes [5][6]. Group 4: Innovative Financing Strategies - CCB Shanghai Branch has addressed critical cross-border business challenges for companies, such as a leading steel group, by innovating financing solutions that align with regulatory requirements and operational needs [7][8]. - The bank has implemented a financing scheme for a tourism group to restructure overseas euro-denominated debt, utilizing the price advantages of the Shanghai Free Trade Zone to optimize financing costs [10][11].

Core Viewpoint - The Shenzhen Municipal Bureau of Commerce and the Municipal Development and Reform Commission have jointly issued a plan to promote high-quality development of service trade and digital trade, emphasizing financial support for these sectors [1] Financial Support for Trade Development - The plan aims to expand the application of RMB (Renminbi) settlement, enhancing the convenience and efficiency of cross-border RMB usage [1] - Banks are encouraged to optimize document review processes and strengthen data sharing while enriching RMB payment scenarios [1] - The initiative seeks to improve the experience of enterprises using RMB for investment, project construction, procurement, and revenue recovery [1] Digital Currency and Risk Management - The plan promotes participation in multilateral central bank digital currency bridge projects and encourages banks to expand services for enterprises seeking foreign exchange risk hedging [1] - There is a focus on expanding the application of foreign exchange risk hedging products, including swaps and linked products [1] Export Credit and Insurance Services - The plan aims to optimize export credit and export credit insurance services, particularly in the service trade sector, to enhance business coverage and support [1] - It encourages enterprises to improve their international operational capabilities [1] Financial Innovation and Investment Facilitation - The initiative promotes cross-border financial innovation based on Free Trade Accounts (FT Accounts) and aims to expand account functions and pilot bank ranges [1] - It advocates for a unified bank settlement account system for both domestic and foreign currencies, with plans to expand the range of participants [1] - The plan facilitates the qualification application process for Qualified Foreign Institutional Investors (QFII) and Renminbi Qualified Foreign Institutional Investors (RQFII), improving direct investment foreign exchange management [1] - It supports foreign institutions in investing in Shenzhen's technology enterprises through Qualified Foreign Limited Partnership (QFLP) structures [1]

Group 1: Current Status of Bank Foreign Exchange Hedging Business Digital Transformation - Since the "8·11" exchange rate reform, the flexibility of major foreign currencies against the RMB has significantly increased, leading to a rise in foreign exchange hedging demand from enterprises [2] - The State Administration of Foreign Exchange released a new version of the "Enterprise Exchange Rate Risk Management Guidelines" in August 2024, encouraging enterprises to enhance treasury systems and information management for digital processing of hedging business [2] Group 2: Challenges in Digital Transformation of Bank Foreign Exchange Hedging Business - Data element construction needs further enhancement, particularly in the collection, processing, analysis, and application of data, with a lack of specialized databases to support business development [5] - Predictive exposure hedging requires digital empowerment, as different industries face challenges in identifying various exchange rate risk exposures [6] - The digital models used by banks need to be further enriched and improved to support efficient credit approval and margin payment processes for small and medium-sized enterprises [7] - The foreign exchange market's quoting ability needs to be enhanced, especially for non-standard products, which require high-level service teams and intelligent systems [8] Group 3: Recommendations for Promoting Digital Transformation of Bank Foreign Exchange Hedging Business - Strengthen the data foundation to enhance intelligence, focusing on high-quality specialized datasets to provide comprehensive digital solutions for enterprises [9] - Utilize digital tools to customize foreign exchange hedging products and achieve precise marketing strategies tailored to different types of exchange rate risk exposures [11] - Enhance the support of a professional market-making team, integrating training systems and market analysis capabilities to improve the efficiency of foreign exchange hedging services [12]

Core Insights - The article highlights the proactive measures taken by the Suzhou branch of the Industrial and Commercial Bank of China (ICBC) to support local foreign trade enterprises amidst challenging international economic conditions [1][2][7] Group 1: Financial Support Initiatives - ICBC Suzhou branch provided a tailored export trade financing service, issuing 100 million RMB in cross-border financing within one day to assist a local technology company facing cash flow issues due to export challenges [1] - The bank has issued nearly 1.5 billion RMB in loans to around 200 small and medium-sized foreign trade enterprises in 2024, demonstrating its commitment to supporting the local economy [2] - The bank has expanded its credit support for foreign trade enterprises by leveraging short-term export credit insurance and has identified nearly 10 enterprises on its "white list" for enhanced credit support [2] Group 2: Enhancements in Cross-Border Settlement - ICBC Suzhou has integrated its global document management system with the State Administration of Foreign Exchange's cross-border financial blockchain service platform, improving the efficiency and accuracy of document processing [2] - The bank has implemented fee reductions for foreign exchange services aimed at small and medium-sized foreign trade enterprises, enhancing their access to financial services [3] - Over 400 high-quality enterprises have been included in the high-level opening pilot program, with more than 250,000 transactions processed, amounting to over 80 billion USD [3] Group 3: Risk Management and Innovation - The bank promotes a risk-neutral approach to currency risk management, providing guidance to foreign trade enterprises on using hedging products to mitigate exchange rate fluctuations [5] - ICBC Suzhou has introduced various foreign exchange products, including spot and forward contracts, to meet the financial needs of enterprises involved in the Belt and Road Initiative [6] - The bank collaborates with guarantee companies to enhance credit limits for small and medium-sized enterprises, facilitating their access to foreign exchange services without requiring collateral [6] Group 4: Market Expansion Support - ICBC Suzhou actively supports the dual circulation strategy by leveraging its global network to connect domestic and international markets, aiding enterprises in expanding their global presence [7] - The bank has launched a new service system for foreign trade, including specialized credit and innovative products to assist enterprises in exploring international markets [7] - The bank has established cross-border cash management services for over 200 enterprises, significantly improving the efficiency of capital utilization across borders [8]