21世纪经济报道记者 曹媛 深圳报道 深圳市以制度型开放为牵引，统筹金融开放与安全，在跨境投资、融资、结算、支付等方面创新机制， 加快打造具有全球重要影响力的产业金融中心。 记者从深圳人行了解到，2024年，深圳跨境收支规模位居全国第三，人民币连续五年成为深港间第一大 跨境结算货币。2024年，境外人员在深非现金支付交易1.46亿笔、198.87亿元，同比分别增长62%、 78%。 深圳首创了"跨境征信通"，探索破解跨境征信不互通难题，以深港征信机构市场化合作形式，获取并向 深圳商业银行提供港企跨境征信报告；率先探索科技创新资金跨境流动新路径，"科汇通"允许境外科研 开办资金直接汇入河套深港科技创新合作区内的外资非企业科研机构。 此外，针对境内外投资者的资产配置、跨境投资需求，深圳持续拓展投资渠道、完善制度安排，吸引更 多境外机构和资金来深圳、投深圳。持续优化"跨境理财通"投资模式，2024年2月改革后业务总量达到 改革前的6倍。持续深化QFLP、QDIE投资试点。持续便利外资企业使用资本金，首批开展资本项目数 字化服务试点，大幅提升外汇资本金入账、使用效率，降低企业"脚底"成本和时间成本。落地外商投资 企业 ...

Core Insights - The article highlights the evolution of cross-border financial services in Shenzhen, particularly through the initiatives of the Bank of China, showcasing a transition from traditional cash handling to modern digital payment systems [1][8] - It emphasizes the role of the Bank of China as a pioneer in cross-border financial innovation, adapting to the needs of the Shenzhen Special Economic Zone and contributing to the region's economic development [2][4] Historical Development - The Bank of China established its Shenzhen branch in 1978, supporting the early economic development of the region with basic banking services [2] - The first credit letter was issued by the Bank of China in 1981, marking a significant step in facilitating international trade for local businesses [2] - In 1986, the bank was authorized to offer RMB savings, breaking previous restrictions and allowing for greater financial flexibility [3] Cross-Border Financial Innovations - The introduction of cross-border RMB settlement in 2009 marked a new phase in financial collaboration between Shenzhen and Hong Kong, with transaction volumes reaching over 2 trillion RMB by 2024 [4] - The "Cross-Border Wealth Management Connect 2.0" program increased individual investment limits from 1 million to 3 million RMB, enhancing accessibility for Hong Kong residents [5] Ecosystem Development - The "Kehui Tong" initiative supports cross-border funding for research institutions, facilitating international collaboration in technology and innovation [6] - The Bank of China is building a comprehensive cross-border financial ecosystem, aiding local companies like Huawei and BYD in their global expansion efforts [6] Service Efficiency Improvements - The Bank of China has streamlined cross-border payment processes for e-commerce businesses, reducing transaction times significantly [7] - The bank serves over 50,000 cross-border clients, maintaining a leading position in international trade settlement and currency exchange in Shenzhen [7] Ongoing Financial Innovations - The Bank of China continues to innovate in response to the growing demands of the real economy, with initiatives aimed at enhancing cross-border settlement and investment facilitation [8] - The bank's efforts reflect a broader trend of financial openness in China, aligning with the country's status as a major trade partner globally [8]