展望未来，交通银行南阳分行将继续以开放姿态、创新产品与高效服务，持续推动跨境人民币业务在南 阳地区深化发展，为当地外贸及实体经济提供更坚实的金融支撑。 针对企业"走出去"过程中的实际需求，交通银行南阳分行提供精细化服务。例如，当地某企业国际化发 展加速，面临多币种融资需求与汇率波动风险。交通银行南阳分行深入调研后，主动宣讲跨境人民币优 势，帮助企业制定专属方案。最终，该企业成功从境外银行融资人民币2亿元并通过交通银行南阳分行 落地。此举不仅有效降低了企业的财务成本和汇兑风险，也带动了交通银行南阳分行国际业务发展，实 现了银企双赢。 交通银行南阳分行聚焦服务实体经济，积极推动跨境人民币业务发展，履行国有大行的责任担当。 交通银行南阳分行立足区域实际，精准施策，多措并举拓展跨境人民币业务。通过联合上级行开展精准 宣传、主动上门对接重点涉外企业，并为其量身定制涵盖结算、融资和汇率避险等综合跨境金融服务方 案，稳步推进人民币国际化，持续扩大跨境人民币结算影响力和覆盖面。11月末，交通银行南阳分行跨 境人民币收付量较上年同期增加2亿元，市场份额显著提升。 （CIS） ...

从规模扩张转向结构优化的信号正在显现。 12月19日，《中国离岸金融指数报告（2024-2025）》（下称《报告》）在于上海举行的第二十二届中国国际金融 论坛上发布。《报告》显示，2024年中国离岸金融指数回升至106.50点，较2023年上升0.31%。在经历阶段性波动 后，中国离岸金融运行态势出现企稳迹象。多项核心指标显示，离岸金融正从以规模扩张为主的增长模式转向更 加注重结构优化和功能完善的发展阶段。 中国离岸金融指数是持续跟踪我国离岸金融发展状况的重要综合性指数，《报告》由上海国际经济研究院、上海 金融业联合会和中国首席经济学家论坛联合发起，上海首席经济学家金融发展中心离岸金融研究所课题组编制完 成。 在《报告》发布现场，上海首席经济学家金融发展中心离岸金融研究所所长景建国表示，中国离岸金融指数并非 简单的数据汇总，而是衡量我国金融开放深度和国际竞争力的重要"晴雨表"。在全球金融环境复杂多变、外部不 确定性上升的背景下，指数能够实现小幅回升，反映出我国离岸金融体系的韧性和稳定性。 "四升一降"凸显结构变化 从分项指标看，2024年中国离岸金融呈现出明显的"四升一降"特征：离岸债券发行规模同比增长3.0 ...

近日，中国银行在安徽合肥成功举办"本币护航 徽动全球"跨境人民币业务推介会。会议现场发布"跨境 人民币助力企业走出去"倡议书，从凝聚共识、场景应用、服务升级、多方合作四大维度明确行动举 措，着力引导金融机构与外贸企业强化"本币优先"意识，推动跨境人民币在货物贸易、服务贸易、直接 投资等领域的深度应用。 安徽作为长三角一体化发展的重要增长极，长江经济带与淮河生态经济带战略交汇点，区位优势显著。 中国银行持续深耕跨境金融领域，通过产品创新、科技赋能、跨境便利化及普惠服务，助力提升外经贸 企业融资效率与经营便利性。 以国内某汽车出口头部企业为例，其海外生产基地遍布南美、东南亚、欧洲等地，近5年出口量实现了 十倍以上增长。针对企业全球市场发展需求，中国银行量身打造"一揽子"跨境金融服务方案，累计为企 业境外子公司开立数十个海外人民币账户，投放境外人民币贷款数十亿元，仅今年便为集团办理跨境人 民币业务量近200亿元。 2025年，中国银行在安徽跨境人民币结算已突破1000亿元，业务规模与市场份额均稳居当地同业首位， 为省内近7000家进出口企业提供全流程跨境金融服务，以金融力量助力企业拓展全球市场。 作为全球人民币跨境 ...

在深化服务过程中，枣庄中行进一步捕捉到企业对跨境收款时效性和外汇存款收益的双重诉求，迅速为 企业定制解决方案：签约跨境汇入汇款直入账产品，保障款项及时到账并优化外汇存款收益，实现资金 高效管理与收益提升的双赢；同步上线电子审单业务，开通企业网银跨境汇款、境内外币汇划等线上服 务，让企业足不出户就能便捷办理各类跨境业务，大幅降低了时间成本和沟通成本。 立足枣庄"强工兴产、转型突围""6+3"现代产业体系等战略部署，枣庄中行持续加大实体经济金融支持 力度，2025年4月荣获枣庄市委、市政府颁发的"服务枣庄发展突出贡献奖"。截至2025年11月末，全行 对公贷款余额较年初增长16.84亿元，已批未放贷款108.66亿元，审批中10.05亿元，储备项目57.74亿 元，为地方经济高质量发展积蓄强劲动能。 下一步，中国银行枣庄分行将继续发挥全球化网络优势，不断丰富跨境金融产品与服务供给，精准对接 企业"走出去"和"引进来"需求，深度融入双循环新发展格局，为枣庄市对外开放和现代化强市建设注入 源源不断的中行动能。 作为山东省制造业单项冠军示范企业、中国外贸出口先导指数样本企业，该公司凭借自主研发的创新工 艺，生产上万种标 ...

Core Insights - The Southern Finance Forum 2025 Annual Conference emphasizes the theme "The Power of Consensus - Innovation Surges, China's Asset Revaluation" [1] - Standard Chartered Bank's CEO for the Greater Bay Area, Li Haiqiang, discusses the trends and challenges faced by Chinese enterprises going global, highlighting the importance of financial innovation in supporting these efforts [1][2] Group 1: Trends in Chinese Enterprises Going Global - Chinese enterprises are increasingly pursuing internationalization as a necessary path for large companies and a survival strategy for small and medium-sized enterprises [1] - The trend of Chinese companies going global has evolved from "going out" to "integrating in," indicating a deeper commitment to local markets [1] - The "new three items" have become significant forces in the global supply chain, with many Chinese companies emerging as industry leaders [1] Group 2: Financial Challenges and Innovations - Chinese enterprises face challenges in cross-border finance, including capital management, financing, supply chain coordination, currency settlement, and exchange rate risks [2] - Standard Chartered Bank has established a new economy business team to provide comprehensive services to support these enterprises since 2016, exemplified by its partnership with autonomous driving leader Pony.ai [2] - The bank has also innovated in cross-border RMB business to enhance the competitiveness of Chinese enterprises [2] Group 3: Technological Advancements and Support - Standard Chartered Bank is investing in technology-driven financial innovation, including artificial intelligence and digital assets, and is establishing an AI research center in Guangzhou [3] - The bank has formed strategic partnerships with leading Chinese tech companies to better support Chinese enterprises going global [3] - The Greater Bay Area is positioned as a vibrant cross-border financial ecosystem, leveraging its geographical advantages and technological strengths to provide efficient global financial support [3] Group 4: Role of Standard Chartered Bank - As an international bank with over 160 years of experience in the Greater Bay Area, Standard Chartered Bank aims to act as a "super connector" between the region and the world, facilitating cross-border financial innovation [4]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Jinhua Branch is actively participating in the economic and financial service reform pilot in Jinhua, Zhejiang Province, focusing on enhancing cross-border financial services to support the local economy [1] Group 1: Cross-Border Financial Services - ICBC Jinhua Branch is implementing policies to improve cross-border financial services, directly benefiting local enterprises [1] - The branch has processed over ten thousand high-level open pilot business transactions, promoting cross-border trade and investment [1] Group 2: Currency and Risk Management - The bank has conducted extensive outreach, serving over a thousand enterprises to increase awareness of RMB settlement, aiming to boost the proportion of goods trade settled in RMB [1] - A new "exchange rate hedging market monitoring system" has been developed, allowing companies to monitor exchange rates more efficiently, enhancing their ability to manage risks associated with exchange rate fluctuations [1] Group 3: Financial Innovation - The Jinhua Branch has pioneered the implementation of a multi-central bank digital currency bridge business, expanding the application of digital RMB in cross-border scenarios [1] - The branch has successfully launched a pilot program for derivative guarantee and credit enhancement services for cross-border financial service platforms, providing small and micro enterprises with more convenient and cost-effective exchange rate hedging services [1]

Core Viewpoint - The event "2025 'Ten Thousand Enterprises Going Global' Precision Procurement Trade Matching Conference" was successfully held in Tai'an, with the participation of the Bank of China Tai'an Branch providing financial support to over 100 exhibiting enterprises, facilitating their international expansion [1] Group 1: Event Overview - The trade matching segment of the conference had a lively atmosphere, showcasing the Bank of China's commitment to supporting enterprises in their overseas ventures [1] - The Bank of China Tai'an Branch utilized various promotional methods, including banners and brochures, to educate participating companies about cross-border RMB policies [1] Group 2: Company Initiatives - The bank actively addressed companies' concerns regarding cross-border settlement efficiency and the facilitation of RMB transactions for quality enterprises, providing detailed explanations on standards and measures [1] - The promotional activity reached over a hundred participants, offering policy support for enterprises looking to expand internationally [1] Group 3: Future Plans - The Bank of China Tai'an Branch plans to continue promoting the implementation and refinement of cross-border RMB policies, aiming for maximum outreach and effectiveness in policy promotion [1] - The bank's efforts are aligned with government initiatives to support the internationalization of the RMB and contribute to the high-quality development of Tai'an's foreign-related economy [1]

Core Viewpoint - Shanghai Branch of SPDB is pioneering foreign exchange business reform, enhancing digital capabilities and risk management to streamline processes for qualified clients [1] Group 1: Foreign Exchange Business Reform - SPDB Shanghai Branch is one of the first branches to implement foreign exchange business reform starting October 2024, guided by the Shanghai Bureau of the State Administration of Foreign Exchange [1] - The bank is focusing on building an intelligent risk control system throughout the entire process of foreign exchange business, ensuring both risk prevention and operational convenience [1] Group 2: Cross-Border RMB Service Model - In September 2025, the People's Bank of China and the State Administration of Foreign Exchange encouraged banks to handle cross-border RMB business in accordance with the new regulations [1] - SPDB has defined the scope of cross-border RMB business for its qualified clients based on their characteristics and risk profiles, allowing them to conduct transactions with just payment instructions [1] Group 3: Efficiency in Cross-Border Transactions - On September 12, SPDB Shanghai Branch facilitated a rapid cross-border RMB payment of approximately 22.8 million for a shipyard client, significantly reducing the documentation burden and processing time [1] - The new process allows qualified enterprises to complete transactions without extensive documentation, enhancing the efficiency of cross-border fund settlements [1] Group 4: Future Directions - SPDB Shanghai Branch plans to refine service scenarios, enhance market sensitivity, and strengthen cross-border financial innovation to further improve the quality and efficiency of its services [2] - The bank aims to leverage policy incentives to benefit more market participants and contribute to the healthy development of foreign-related economies [2]

Economic Performance - In 2024, Shandong Province achieved a GDP of 9.9 trillion yuan, with a year-on-year growth of 5.7%, surpassing the national growth rate by 0.7 percentage points[2] - Fixed asset investment (excluding farmers) grew by 3.3%, with manufacturing investment increasing by 15.1% and high-tech industry investment rising by 15.9%[3] - The total retail sales of consumer goods reached 3.8 trillion yuan, growing by 5.0% year-on-year, with online retail sales at 754.3 billion yuan, up 7.8%[3] Financial Sector Performance - The total social financing scale in Shandong reached 23.8 trillion yuan, with a year-on-year growth of 10.2%[62] - New loans amounted to 1.2 trillion yuan, with a year-on-year growth of 9.0%, exceeding the national average by 1.8 percentage points[44] - The balance of debt financing tools issued by enterprises was 622.8 billion yuan, reflecting a 9.6% increase year-on-year[66] Employment and Income - Urban employment increased by 1.245 million, achieving 113.2% of the annual target, while per capita disposable income rose by 5.5%[34] - The rural per capita disposable income growth rate outpaced that of urban residents, indicating a positive trend in rural economic conditions[34] Price Stability - The consumer price index (CPI) rose by 0.2%, with food prices declining by 0.5% and non-food prices increasing by 0.4%[35] - The industrial producer price index (PPI) decreased by 2.1%, with the decline narrowing by 1.4 percentage points compared to the previous year[35] Financial Risk Management - The non-performing loan ratio in the banking sector was 1.15%, a decrease of 0.01 percentage points, marking six consecutive years of decline[59] - The provision coverage ratio reached 276.6%, indicating enhanced risk resistance capabilities within the banking institutions[59]

Core Insights - The People's Bank of China Kaifeng Branch has established a four-dimensional mechanism to promote cross-border RMB business, focusing on enhancing the city's cross-border RMB settlement ratio [1] - The bank aims to activate market dynamics by setting differentiated development goals and ensuring policy alignment with market needs [1] - A comprehensive policy promotion network has been created, involving collaboration with various government departments and banks to enhance awareness and implementation of cross-border RMB policies [2] Group 1: Policy Implementation - The bank has developed a policy promotion system that includes online and offline training to ensure timely policy transmission [2] - A series of policy promotion events have been held, covering 128 foreign trade enterprises and over 380 participants, effectively increasing the awareness and reach of cross-border RMB business [2] Group 2: Business Expansion - The bank has identified key enterprises and sectors for targeted expansion of cross-border RMB business, focusing on head enterprises and small to medium-sized enterprises in specific industries [3] - A dynamic list of priority enterprises for cross-border RMB business has been created, leading to 19 new enterprises achieving their first cross-border RMB transactions [3] Group 3: Risk Management and Service Enhancement - The bank emphasizes both development and compliance, implementing a closed-loop management system for monitoring cross-border RMB transactions [3] - Service quality has improved significantly, with rapid responses to policy inquiries and technical issues, enhancing the overall effectiveness of cross-border RMB services [3] Group 4: Business Metrics - As of the end of July, Kaifeng's cross-border RMB business has expanded to cover 51 countries and regions, with 121 enterprises involved and a transaction volume of 2.432 billion yuan, accounting for 21.05% of foreign-related income and expenditure [4] - The volume of goods trade settlements reached 2.103 billion yuan, representing 85.74% of the total, with 54 new cross-border RMB "first-time" enterprises established, a year-on-year increase of 145% [4]