2025年以来，中国人民银行清远市分行紧扣涉外企业"避险、降本、提效"的核心诉求，坚持"助企、惠 企、便企"三轮驱动，主动作为、精准发力，推动跨境人民币结算业务提质增效。截至2025年10月末， 清远市跨境人民币结算规模达225.18亿元，同比增长20.8%，高于全省平均增速1.9个百分点，占本外币 收付比重为35.1%，较上年同期提升3.8个百分点；业务辐射74个国家及地区，结算企业达371家，有力 支持地方稳定外贸和服务实体经济发展。 从"不会用"变成"主动用" "以前觉得使用人民币手续烦琐且增加资金占用成本，直到银行为我们定制了'人民币结算+福费廷融 资'的方案，高效办理了4笔总额2000余万元的跨境汇款，实实在在地解决了大宗贸易汇款周期长、汇率 波动侵蚀利润等难题。"广东某资源有限公司负责人说道。这家主营金属及金属矿制品的企业，产品销 往英国等国。从一开始的不熟悉，到成为跨境人民币结算的"常客"，企业如今的本币结算比例已达30% 以上。 "真方便，使用人民币结算后，资金到账时间从3个工作日缩短到1个工作日内，还成功规避了汇率风 险。"广东某健康产业有限公司财务负责人表示。作为2025年跨境人民币"首办 ...

Core Insights - Hainan Province's cross-border financial reform has led to a record high in cross-border payment and settlement, with significant growth in cross-border RMB transactions [1][2] Group 1: Cross-Border Financial Performance - In 2025, Hainan's cross-border payment scale reached $115.4 billion, marking a 6.1% year-on-year increase, positioning it at a medium level nationally [1] - The total cross-border RMB settlement by banks in Hainan reached 551.44 billion yuan, surpassing 500 billion yuan for the first time, with an 11.6% year-on-year growth [1] - Cross-border e-commerce and new foreign trade formats saw RMB settlements of 17.7 billion yuan, a remarkable increase of 120.5% year-on-year [1] Group 2: Advantages of RMB Cross-Border Settlement - Using RMB for cross-border transactions eliminates exchange rate risks and reduces settlement costs, particularly beneficial for long-term, high-value transactions [2] - The efficiency of business operations improves significantly, with banks providing streamlined services for compliant enterprises, allowing for quicker fund transfers [2] - RMB cross-border financing offers lower interest rates and allows domestic companies to access or lend more RMB compared to foreign currencies [2]

Core Insights - The People's Bank of China (PBOC) reported that Hainan Province's cross-border payment and receipt scale is expected to reach 115.4 billion USD by 2025, marking a 6.1% year-on-year increase, setting a historical high [1] - Hainan's cross-border payment and receipt scale has been steadily increasing due to the implementation of various foreign exchange innovation policies, including the "expansion of high-level opening pilot for cross-border trade and investment" [1] - The province's service trade is projected to grow at a rapid rate of 10.3%, while direct investment receipts are expected to total 53.55 billion USD, reflecting a 9.6% increase, with foreign direct investment rising by 32.5% to 9.54 billion USD [1] Financial Developments - By 2025, the total cross-border RMB settlement handled by banks in Hainan is projected to reach 551.4 billion CNY, an increase of 11.6%, with cross-border e-commerce settlements growing by 120.5% [2] - A total of 11 banks in Hainan have launched EF accounts, with 810 accounts opened, facilitating transactions equivalent to 350.9 billion CNY with entities in 91 countries and regions [2] - The financial activities in Hainan are expected to remain robust, with a return to normal growth rates in goods and service trade under the current account, and increased investment activities under the capital account driven by funding pool operations [2]

Core Insights - The core viewpoint of the article is that Hainan Province is set to enhance its cross-border financial reforms, leading to significant growth in cross-border transactions and RMB settlements by 2025 [1] Group 1: Cross-Border Financial Developments - By 2025, Hainan Province's cross-border payment and receipt scale is expected to reach 115.4 billion USD, marking a year-on-year growth of 6.1%, positioning it at a medium level nationally [1] - The total cross-border RMB settlement amount handled by banking institutions in Hainan is projected to reach 551.4 billion CNY, with a year-on-year increase of 11.6% [1] - Cross-border e-commerce and other new foreign trade formats are anticipated to see a remarkable growth in RMB settlements, reaching 17.7 billion CNY, which represents a year-on-year increase of 120.5% [1] Group 2: Impact on Investment and Financing - The continuous improvement in Hainan's cross-border RMB settlement scale is expected to significantly boost investment and financing activities across the province [1] - For the first time, the cross-border RMB payment and receipt amount in Hainan is projected to exceed 500 billion CNY by 2025 [1] Group 3: Future Financial Initiatives - In 2026, the People's Bank of China Hainan Branch plans to further promote financial openness and innovation in the Hainan Free Trade Port, enhancing financial services for the real economy [1] - The initiatives aim to effectively maintain the stability of the financial market and support the high-quality development of the Hainan Free Trade Port economy [1]

Core Insights - The People's Bank of China (PBOC) Shanghai Headquarters reported a significant increase in social financing and direct financing in Shanghai for 2025, indicating a robust financial environment and support for the real economy [1][3]. Financing Environment - In 2025, Shanghai's social financing scale increased by 11,632 billion yuan, with a year-on-year increase of 1,021 billion yuan, effectively meeting the financing needs of the real economy [3]. - The structure of financing improved, with RMB loans to the real economy increasing by 6,589 billion yuan, accounting for 56.6% of the total financing increase. Direct financing rose by 3,419 billion yuan, making up 29.4% of the total, which is a 15 percentage point increase year-on-year [3]. Credit Growth and Structure - By the end of December, the balance of RMB and foreign currency loans in Shanghai reached 13.07 trillion yuan, a year-on-year growth of 6.5%, which is 0.3 percentage points higher than the national average [4]. - The total loan increase for the year was 7,967 billion yuan, with household loans growing by 8.1% and non-financial enterprise loans by 4.5% [4]. - The weighted average interest rate for newly issued corporate loans in December was 2.64%, down 38 basis points from the previous year, indicating a favorable borrowing environment [4]. Deposit Growth - The balance of RMB and foreign currency deposits in Shanghai reached 24.5 trillion yuan, growing by 11.3% year-on-year, which is 2.3 percentage points higher than the national average [5]. - The increase in deposits for the year was 2,490 billion yuan, with household deposits growing by 9.1% and non-financial enterprise deposits by 5.3% [5]. Cross-Border RMB Business - In 2025, the cross-border RMB payment volume in Shanghai reached 32.4 trillion yuan, a year-on-year increase of 9%, maintaining a 46% share of the national total [8]. - The RMB cross-border payments related to the real economy increased by 14%, indicating a growing willingness among businesses to use RMB for cross-border transactions [8]. - Key sectors such as shipping, foreign trade, and large commodity transactions saw significant growth in cross-border RMB settlements, with increases of 48%, 16%, and 2.6% respectively [8]. Future Outlook - In 2026, the PBOC Shanghai Headquarters plans to continue promoting offshore financial services and expand the pilot reforms for offshore trade finance in the Lingang New Area, further advancing RMB internationalization [9][10].

Core Insights - The total amount of cross-border RMB transactions in Yunnan Province is projected to reach 100.179 billion yuan in 2025, representing a year-on-year growth of 13% [1] - The proportion of RMB settlements in goods trade accounts for 33% of the total cross-border receipts and payments in both foreign and domestic currencies, an increase of nearly 2 percentage points from the previous year [1] - The share of cross-border RMB in total foreign currency cross-border receipts and payments is 40%, with all three indicators reaching historical highs, significantly supporting Yunnan's high-level opening up and high-quality development [1]

Core Insights - Guangdong's cross-border RMB settlement volume reached a historic high in 2025, ranking among the top three provinces in China, with a year-on-year growth of 21.5%, accounting for over 50% of total cross-border receipts and payments [1][2] Group 1: Cross-Border RMB Settlement - In 2025, the cross-border RMB settlement scale in Guangdong exceeded 800 billion yuan, with "new foreign trade entities" accounting for over 90% of the total cross-border settlement volume [3][2] - The People's Bank of China (PBOC) in Guangdong implemented a "post-random inspection" model for cross-border RMB settlements for high-credit enterprises, significantly reducing processing time by 2 to 3 hours per transaction [3][2] Group 2: Financial Innovation and Trade Facilitation - The PBOC in Guangdong has enhanced the Free Trade Account system, with a total of 12,800 accounts opened by the end of 2025, representing a 2.2-fold increase in multi-functional accounts since the beginning of the year [5][6] - Guangdong's cross-border financial services have been optimized through institutional innovation, allowing enterprises to flexibly utilize both domestic and international markets [5][6] Group 3: Cross-Border Investment and Economic Growth - Guangdong's total cross-border receipts and payments reached 2.5 trillion USD in 2025, with a year-on-year growth of 7.2%, and a net inflow of 289.3 billion USD, up 23.4% [6][4] - The province saw the addition of 2,773 new pilot enterprises in cross-border trade and investment, a 1.7-fold increase year-on-year, with private and "specialized, refined, unique, and innovative" enterprises making up 71% and 21.5% respectively [6][4] Group 4: Regional Highlights - Shenzhen ranked third nationally in cross-border receipts and payments, with a total of 5.83 trillion yuan in RMB cross-border transactions, maintaining its position as the primary currency for cross-border settlements between Shenzhen and Hong Kong [7][6]

Core Insights - The cross-border RMB settlement scale in Guangdong is projected to rank among the top three provinces in China by 2025, with a year-on-year growth of 21.5%, marking a historic high in both settlement volume and proportion [1][2]. Group 1: Overall Growth and Structural Highlights - Guangdong's total cross-border receipts and payments are expected to reach USD 2.5 trillion in 2025, reflecting a 7.2% year-on-year increase, with RMB settlement growth significantly outpacing this at 21.5% [2]. - The "new foreign trade formats," particularly cross-border e-commerce, are identified as the main drivers of RMB settlement, with over RMB 800 billion settled through these channels, accounting for over 90% of the total in this category [2]. Group 2: Open High Ground and Innovation Engine - Shenzhen is highlighted as a core engine for RMB cross-border business, with a total settlement amount of RMB 5.83 trillion in 2025, maintaining its position as the primary cross-border settlement currency between Shenzhen and Hong Kong [3]. - The continuous innovation in the Qianhai Shenzhen-Hong Kong Modern Service Industry Cooperation Zone has contributed to the development of financial infrastructure, with the number of FT account openings reaching 12,800 by the end of 2025 [3]. Group 3: Interconnectivity and Mutual Empowerment - The free flow and efficient use of RMB within the Guangdong-Hong Kong-Macao Greater Bay Area are crucial, supported by mechanisms like the "Cross-Border Wealth Management Connect," which has attracted 178,000 individual investors and facilitated RMB fund transfers totaling RMB 131.3 billion [4]. - The QFLP (Qualified Foreign Limited Partner) model in Qianhai has simplified foreign exchange registration processes, allowing flexible investment configurations, with QFLP management enterprises accounting for over 80% in Shenzhen [4]. Group 4: Global Extension and Service to Entities - The growth of cross-border RMB settlement in Guangdong is driven by a global service ecosystem for enterprises "going out," with a focus on providing comprehensive financial services for investments in Belt and Road Initiative countries [5]. - The RMB settlement volume with Belt and Road countries and ASEAN regions has significantly increased, with its regional structure proportion rising to 36.9%, enhancing the currency's role in global trade and investment [5]. Group 5: Future Path Towards New Productive Forces - A clear roadmap for the deepening of RMB internationalization has been outlined in the "Action Plan for Supporting High-Quality Development of Qianhai Financial Sector (2025-2026)," emphasizing the establishment of a policy system focused on high-level financial openness and RMB internationalization [7]. - Future innovations in cross-border RMB business are expected to align closely with the needs of emerging industries such as low-altitude economy, artificial intelligence, and high-end manufacturing, with initiatives to support insurance products and digital RMB cross-border trials [7].

Core Insights - Guangdong's cross-border RMB settlement scale ranked among the top three provinces in China in 2025, with a year-on-year growth of 21.5%, accounting for over 50% of the total cross-border receipts and payments in both domestic and foreign currencies, reaching a historical high in both settlement volume and proportion [1] Group 1: Cross-Border RMB Settlement - The People's Bank of China in Guangdong has been promoting RMB internationalization through trade and financial openness, optimizing services and innovating systems [1] - The bank has upgraded the "Convenience Scheme for Cross-Border RMB Settlement for Quality Enterprises," allowing for a shift from "pre-transaction review" to "post-transaction random checks," significantly improving fund turnover efficiency by saving 2-3 hours of preparation time per transaction [1] Group 2: Support for E-commerce and Global Trade - Guangdong, as the largest cross-border e-commerce province in China, has focused on enhancing the funding chain for "buying global and selling global," collaborating with leading payment institutions to reduce exchange fees for small and micro e-commerce sellers [2] - In 2025, new business entities processed RMB settlements exceeding 800 billion yuan, accounting for over 90% of the total cross-border settlement volume [2] Group 3: Belt and Road Initiative and Regional Cooperation - The bank facilitated nearly 500 Guangdong enterprises in connecting with overseas banks to address settlement challenges in Africa, Southeast Asia, and Latin America, leading to a significant increase in RMB settlement volume in these regions, with the regional structure proportion rising to 36.9% [2] Group 4: Free Trade Account System and Cross-Border Wealth Management - The free trade account system in Guangdong has expanded, with 12,800 accounts opened by the end of 2025, and the number of multi-functional free trade accounts increasing by 2.2 times since the beginning of the year [3] - The "Cross-Border Wealth Management Connect" mechanism has deepened, with 10 banks in mainland China collaborating with banks in Hong Kong and Macau, facilitating a cross-border RMB fund transfer scale of 131.3 billion yuan involving 70 banks and 28 securities companies by the end of 2025 [3]

Group 1 - The increasing reliance on cross-border RMB transactions is highlighted by a financial director from a silicon export company in Yibin, indicating that quoting prices in RMB leads to smoother transactions and production scheduling [1] - In the first ten months of 2025, Yibin's cross-border RMB payment and receipt amount grew by 167.4% year-on-year, accounting for 56.7% of the total cross-border payments, with a historical high of 5.87 billion RMB in current account and direct investment transactions [1] Group 2 - The People's Bank of China (PBOC) Yibin branch has implemented a dual-track incentive mechanism for cross-border RMB settlement, providing 338,100 RMB in subsidies to nine enterprises, and has expanded the "first-time customer" initiative, achieving a total settlement of 1.57 billion RMB [2] - The PBOC Yibin branch is actively promoting cross-border RMB usage in key industries such as power batteries and crystalline silicon photovoltaics, with the top 20 enterprises in the service list achieving 8.771 billion RMB in cross-border RMB settlements from January to October 2025, with major industries accounting for 52.6% [3] Group 3 - The PBOC Yibin branch has established a "key enterprises in Hong Kong" list to enhance cross-border RMB settlement, with 7.07 billion RMB settled with Hong Kong in the first ten months of 2025, representing nearly 80% of Yibin's total cross-border RMB settlements [4] - The local implementation of cross-border payment services has enabled zero-cost, instant remittances for residents, with 136 northbound and 1,117 southbound transactions processed [4]