去年底，海南自贸港正式启动封关运作，海南自贸港对外开放进入新阶段。 2月4日，海南省新闻办公室举行2025年金融支持海南省经济社会高质量发展新闻发布会，介绍了金融助 力海南自贸港建设进展成效，并回答媒体提问。 人民银行海南省分行党委委员、副行长郭凯在会上表示，2025年，该行聚焦海南自贸港封关运作"一号 工程"，加力落实适度宽松的货币政策，以更高标准提升金融"五篇大文章"工作成效，以更大力度推进 自贸港跨境金融改革创新，持续提升金融管理和服务水平，为海南经济回升向好提供坚强有力的金融支 撑。 跨境收支规模创历史新高 郭凯表示，2025年，海南跨境金融改革持续深化，跨境收支规模创历史新高，跨境人民币结算额较快增 长。 具体来看，2025年，海南跨境收支规模达1154亿美元，同比增长6.1%，规模上升至全国中等水平。海 南全省银行机构办理的跨境人民币结算额5514亿元，首次突破5000亿元，同比增长11.6%，其中，跨境 电子商务等外贸新业态跨境人民币结算额177亿元，同比增长120.5%。 海南自由贸易港多功能自由贸易账户（EF账户）稳步扩容增量。截至2025年末，海南全省共11家银行 上线EF账户，合计开立E ...

Core Viewpoint - The official launch of the Hainan Free Trade Port's full island closure operation on December 18 marks a new development stage characterized by "one line open, two lines controlled, and free within the island," emphasizing further expansion of openness rather than closure [1] Financial Support and Development - The People's Bank of China has actively promoted financial policies and institutional frameworks suitable for the Hainan Free Trade Port since the release of the overall plan in June 2020, effectively supporting the construction of the port [1] - As of now, all three financial preparations for the closure have been completed, with improvements in cross-border capital flow management systems [1] - The multi-functional free trade account (EF account) has been launched, with a total business volume of 268.9 billion yuan, facilitating capital transfers with 80 countries and regions [2] Loan Growth and Financing Costs - By the end of November, the total balance of various loans in Hainan reached 1.4101 trillion yuan, a year-on-year increase of 11% [2] - Specific sectors such as technology-related industries, green loans, and digital economy loans have seen significant growth, with increases of 9.2%, 25.4%, and 8.4% respectively [2] - The average interest rate for general loans in Hainan was 3.18% as of October, a decrease of 0.34 percentage points compared to the previous year [3] Cross-Border Financial Services - The establishment of a comprehensive system for cross-border financial openness, including monitoring and early warning mechanisms, enhances the ability to prevent financial risks [3] - The People's Bank of China has issued guidelines for cross-border asset management pilot business, with initial applications totaling 5 billion yuan from four institutions [4] Digital Payment Innovations - The digital yuan pilot program is advancing, with significant coverage in various sectors, including duty-free shopping and rural revitalization [5] - The "Hainan Wallet" project has been successfully launched, and mobile payment products have seen transaction numbers and amounts increase by 97.46% and 100.11% respectively [5] - The rapid development of mobile payment products enhances payment convenience and meets diverse consumer needs, contributing to innovation in the payment sector [5]

Group 1 - The People's Bank of China is implementing a moderately loose monetary policy to support the high-quality development of Hainan's economy and society, focusing on financing availability in key areas and weak links [1] - As of November 2025, the total loan balance in Hainan reached 1.4101 trillion RMB, with a year-on-year growth of 11%, surpassing the national average by 4.7 percentage points [1] - Loans in key sectors show strong support, with technology-related loans growing by 9.2%, green loans by 25.4%, inclusive loans by 9.8%, elderly care industry loans by 157.4%, and digital economy loans by 8.4% as of October 2025 [1] Group 2 - The financing costs in Hainan are stabilizing and decreasing, with a pilot program for comprehensive financing costs for corporate loans initiated, resulting in a weighted average interest rate of 3.18% for general loans from January to October 2025, down by 0.34 percentage points year-on-year [1] - The financial services in the Hainan Free Trade Port are continuously optimized, with the digital RMB trial making significant progress across various sectors, including duty-free shopping and rural revitalization [2] - From January to November 2025, the transaction volume and amount of mobile payment products in Hainan, such as "external card binding" and "external payment," increased by 97.46% and 100.11% year-on-year, respectively [2]