值得一提的是，中国人民银行厦门市分行还制定出台跨境人民币业务"两库一中心"方案，凝聚各方力 量，让跨境人民币业务更好地服务实体经济。一是联动市场需求，建立跨境人民币企业名单库，指导银 行对接企业，服务企业包括跨境人民币结算融资在内的综合金融需求；二是联动银行机构，组建跨境人 民币专家库，为企业提供跨银行的免费业务咨询服务；三是联动政府部门，建设跨境人民币政策服务中 心，建立政策联动、招商联动和宣传联动的部门合作"三大机制"。 与此同时，中国人民银行厦门市分行在推广"首办户"专项活动过程中，主动走访企业，深入了解其实际 需求，并推荐厦门某航空服务公司申请成为"跨境人民币优质企业"。成功入选后，该企业办理货物贸易 项下的跨境收付款变得更加便捷：仅需提供《跨境人民币结算收/付款说明》或收付款指令，便可直接 完成货物贸易项下跨境收款和付款，无需像以往那样多次往返银行、重复提交大量纸质单证。这不仅节 省了"脚底成本"，也大大提高了汇款效率。此外，该行还配套提供线上网银跨境汇款服务，支持企业全 程在线提交、审核和汇出，提升业务的便捷性和资金周转效率。自2023年在该行开户以来，该企业已累 计办理跨境人民币结算业务375笔 ...

Core Viewpoint - The establishment of the Tianjin Free Trade Zone (FTZ) is a significant decision by the central government aimed at promoting economic development, regional collaboration, and high-level openness, particularly in the context of the Beijing-Tianjin-Hebei integration strategy [1][2]. Financial Innovation and Policy Implementation - Over the past decade, the People's Bank of China Tianjin Branch has implemented over 50 high-impact innovative policies and pilot projects, benefiting approximately 90,000 business entities in the Tianjin FTZ [3][4]. - The Tianjin FTZ has become a "testing ground" for institutional innovation, with significant achievements in financial reform and innovation, including the facilitation of cross-border trade and investment [2][4]. Cross-Border Financial Services - The Tianjin FTZ has seen a cumulative cross-border payment volume of $430 billion and cross-border RMB settlements of 870 billion yuan, accounting for 25% and 32% of the city's total, respectively [3]. - The introduction of FT accounts has allowed for the collection of over 40 billion yuan in cross-border funds, enhancing the efficiency of capital usage [5]. Support for Key Industries - The financing leasing sector in the Tianjin FTZ has reached a scale of 2.3 trillion yuan, representing a quarter of the national total, while commercial factoring companies have assets exceeding 300 billion yuan, accounting for 30% of the national total [6]. - Innovative projects such as foreign currency rent collection for operational leasing and facilitation of external debt for financing leasing companies have been implemented, with a cumulative business volume exceeding $35 billion [4][6]. Future Directions - The People's Bank of China Tianjin Branch plans to further enhance cross-border financial services, expand the coverage of pilot policies, and support the development of key industries through innovative financial solutions [8][9]. - The focus will be on aligning with high-standard international trade rules and promoting the implementation of policies that support high-quality development in Tianjin [9].

Core Viewpoint - The article highlights the challenges faced by foreign trade and investment enterprises due to international market demand changes, logistics uncertainties, and exchange rate fluctuations, while emphasizing the role of Jinan Industrial and Commercial Bank in providing comprehensive cross-border financial services to support these enterprises' growth and stability [1][2][3][4][5] Group 1: Challenges Faced by Enterprises - Foreign trade and investment enterprises are experiencing significant pressure on capital turnover, long international settlement cycles, and difficulties in foreign exchange risk management due to multiple factors [1] - Export-oriented companies often face long payment terms from overseas clients, leading to severe capital occupation issues [2] Group 2: Innovative Financial Solutions - Jinan Industrial and Commercial Bank has introduced innovative financing services, such as "order financing + overseas payment + reverse wind financing," to alleviate the financial pressure on enterprises during the order fulfillment process [2] - The bank has leveraged its global network to provide timely financing support based on export order situations, helping companies reduce their financing costs and improve cash flow [2] Group 3: Cross-Border Payment and RMB Internationalization - The bank has established a global service network with 408 branches in 69 countries, facilitating efficient cross-border payment and settlement processes [3] - In the first quarter of this year, Jinan Industrial and Commercial Bank's international settlement amount reached 3.9 billion USD, with cross-border RMB receipts amounting to 11 billion RMB, reflecting a year-on-year increase of 266% [3] Group 4: Comprehensive Financial Service Solutions - The bank has developed tailored cross-border comprehensive financial service plans for over 20 enterprises, focusing on various application scenarios such as financing, currency management, and international settlement [4][5] - Jinan Industrial and Commercial Bank has established cross-border cash pools for nine multinational corporations and facilitated 505 million USD in domestic and foreign investments in the first quarter [5] Group 5: Risk Management and Future Outlook - The bank promotes a "risk-neutral" philosophy to help enterprises manage exchange rate risks, offering a one-stop service for consultation, pricing, and transactions [5] - Jinan Industrial and Commercial Bank aims to continue enhancing its product offerings and service models to support the high-quality development of foreign trade and investment in Jinan [5]