"没想到资本项目业务也能像日常结算一样线上办理，足不出户就完成了全部流程，效率大幅提升！"某 企业财务负责人高经理在业务办结后感慨道。 近日，农业银行滨州分行成功办理全省农行系统内首笔资本项目数字化业务，标志着该行在外汇服务数 字化转型方面取得关键突破，企业办理外商投资、境外投资等资本项目业务正式迈入"无纸化、线上 化、零跑腿"新阶段。 此次首笔业务的成功落地，是农行滨州分行深化外汇便利化改革、服务高水平对外开放的重要实践。不 仅显著降低了企业时间成本和运营成本，也进一步提升了跨境金融服务的智能化、便捷化水平。 为贯彻落实中国人民银行、国家外汇管理局关于提升资本项目业务数字化水平的政策要求，在国家外汇 管理局滨州市分局的指导支持下，农行滨州分行主动作为，深入研读政策，优化操作流程，强化系统对 接，全面打通企业网银端资本项目业务申报通道，率先实现资本项目登记与资金汇出的全流程线上办 理。 下一步，农行滨州分行将持续深化数字金融创新，扩大资本项目数字化服务覆盖面，优化客户体验，强 化风险管控，积极打造可复制、可推广的"滨州样板"，为区域外向型经济高质量发展注入金融新动能。 截至目前，该行已为辖内3家企业成功办理股 ...

Core Insights - The article highlights the efforts of SPDB Dalian Branch in enhancing cross-border financial services to support the high-quality development of foreign trade in Dalian, focusing on digital transformation and differentiated services [1][5]. Group 1: Digital Transformation Initiatives - The launch of electronic document payment services in 2023 has significantly improved the digitalization and efficiency of cross-border remittance services, with over $150 million processed for 50 enterprises by July 2025 [1]. - The successful implementation of capital project digital services in January 2025 allows enterprises to conduct all foreign exchange operations online, enhancing convenience and efficiency [2]. Group 2: Collaborative Efforts - A seminar titled "Puhui Financial Wisdom: Seeing the Future" was held in March 2025, bringing together government, banks, and enterprises to discuss cross-border financial development and risk management strategies [3]. - The seminar showcased various digital tools and products, fostering deeper cooperation between banks and enterprises in managing foreign exchange risks [3]. Group 3: Risk Management Solutions - The launch of a foreign exchange risk management platform in May 2025 enabled the completion of two RMB foreign exchange derivative transactions on its first day, providing tailored solutions for enterprises to manage currency mismatches [4]. - The platform simplifies the bank's business review process, enhancing efficiency and reducing costs for enterprises [4]. Group 4: Regulatory Innovations - In June 2025, the bank implemented a "no-review" policy for certain qualified enterprises, streamlining the foreign exchange process and allowing for faster transactions [5]. - The introduction of products like "Cross-Border Instant Remittance" significantly improves the efficiency of cross-border settlements for high-quality enterprises [5].