此外，2025年7月4日，全国首笔市场采购贸易项下南非兰特收款及结汇业务也落地稠州银行，不仅开创 义乌市场采购联网平台兰特结算的先河，更标志着浙江省在对非金融服务创新方面取得突破性进展。 作为浙江省本土法人银行，稠州银行依托义乌作为全球小商品集散中心的地缘优势，坚持"服务一带一 路的特色银行"和"服务贸易新业态的先行银行"发展定位，持续深化跨境金融服务创新，不断提升专业 化水平，赋能跨境电商、市场采购等贸易新业态蓬勃发展。数据显示，截至2025年6月末，稠州银行实 现非洲18个本地币种的直接清算，在全球贸易格局加速重构的背景下，为中非经贸合作注入金融活水。 商报讯（记者 叶晓珺 通讯员 刘家慧）从事对非纺织品贸易的杭州某天空有限公司负责人，如今卸下了 心头重担。以往尼日利亚进口商的汇款总是曲折重重，资金回笼周期漫长，随着浙江稠州商业银行（以 下简称"稠州银行"）"稠非通"3.0版上线，尼日利亚客商只需通过手机银行发起奈拉转账汇款，次日， 企业便能收到入账通知。这一变化，正是稠州银行用金融创新破解中非贸易结算困局的缩影。 长期以来，非洲国家的外汇短缺问题一直困扰着外贸商户，企业换汇成本高，金融诈骗现象时有发生。 ...

Core Viewpoint - Domestic city commercial banks are facing survival challenges due to the dual impact of interest rate marketization and intensified competition, but some have successfully differentiated themselves through innovative products and strategies [1][2]. Group 1: Characteristics of Leading City Commercial Banks - The five city commercial banks identified as the most distinctive by DeepSeek include Ningbo Bank, Dalian Bank, Jiujiang Bank, Jiangsu Bank, and Zhejiang Chouzhou Bank, each leveraging unique advantages to stand out in the industry [1][2]. - Ningbo Bank has achieved significant success in inclusive finance, with its inclusive small and micro loan balance reaching 219.941 billion yuan by the end of 2024, serving over 270,000 clients with a non-performing loan ratio of only 1.70%, significantly better than the industry average [2][3]. Group 2: Regional Economic Support - City commercial banks are deeply integrated with regional economic development, providing essential services that stimulate local economies and support structural optimization [2][5]. - Jiujiang Bank has focused on rural revitalization, offering customized financial services based on local agricultural products, such as the "Tea Fragrance Loan" which provided 13 million yuan to 33 enterprises and individuals in the tea industry [4]. Group 3: Technological Innovation and Financial Services - Technological innovation is crucial for city commercial banks, enabling them to restructure service models and product systems while enhancing risk management capabilities [5][6]. - Ningbo Bank's "Bobo Zhiliao" platform exemplifies a comprehensive service platform that addresses the full lifecycle needs of enterprises, offering services in legal, tax, and accounting areas [5][6]. - Jiangsu Bank has developed the "Smart Xiao Su" language model for risk control, improving efficiency and accuracy in risk management with over 4,000 applicable rules [6]. Group 4: Future Outlook - The selected city commercial banks are expected to leverage their unique advantages to further align with regional economic development, transitioning from homogeneous competition to a diverse and flourishing stage [7].