Core Viewpoint - Postal Savings Bank emphasizes its commitment to local development and comprehensive cross-border services for both individual and corporate clients, leveraging its extensive network and online channels [2] Group 1: Services for Individual Clients - The bank offers a range of services including foreign currency savings, international remittances, foreign exchange trading, currency exchange, and issuance of foreign currency carrying certificates [2] - It has partnered with DBS Bank to launch cross-border wealth management services (Southbound) for clients in the Greater Bay Area, facilitating diversified global asset allocation [2] Group 2: Services for Corporate Clients - The bank provides 24/7 cross-border settlement, financing, and foreign exchange services, collaborating with overseas branches of Chinese banks, globally significant banks, and core regional banks in overseas financial markets [2] - It aims to build a global international cooperation layout and supports the "Belt and Road" initiative through overseas project financing, cross-border syndication, and guarantees [2] Group 3: Digital Currency Initiatives - Since 2024, the bank has successfully connected to a multilateral central bank digital currency bridge, which serves various industries including finance, manufacturing, retail, construction, wholesale, logistics, and precious metal processing [2] - The digital currency bridge offers advantages such as instant transactions and full traceability, effectively supporting the bank's overseas business development [2]

Core Insights - The article highlights the successful implementation of the first fully online "automatic opening" international letter of credit service by Industrial Bank's Ningbo branch, enhancing the efficiency of financial services for export-oriented enterprises in Ningbo [1] - The service allows companies to submit business background materials online through the "Yingye Manager" platform, eliminating the need for physical paperwork and significantly reducing manual processing time [1][2] - Industrial Bank's Ningbo branch has been actively promoting digital transformation in cross-border finance, offering various online services and products to facilitate international trade financing [1] Group 1 - The introduction of the fully online "automatic opening" service for international letters of credit meets the high demand for efficiency in cross-border transactions [1] - The service streamlines the process by automating information verification and reducing manual review, allowing for a "one-stop" online operation [1] - As of September 2025, the bank has provided nearly 10 billion RMB in cross-border funding support to import and export enterprises [1] Group 2 - The bank aims to continue enhancing its customer-centric service approach by leveraging financial technology to address the actual needs of enterprises engaged in cross-border trade [2] - Future efforts will focus on optimizing service processes and expanding the product range to support more Ningbo enterprises in their international endeavors [2]

Group 1 - Dalian Bank has established a specialized and comprehensive one-stop service platform for cross-border payment settlement, investment financing, and transactions, leveraging the innovative policies of the Shanghai Free Trade Zone (FTZ) [1] - As of the end of 2024, the asset scale of Dalian Bank's Shanghai FTZ platform has exceeded 22 billion RMB, ranking 4th among city commercial banks [1] - The bank has obtained the qualification for the FTZ accounting unit business in 2019, becoming the 9th city commercial bank in China and the only local bank in Northeast China with this qualification [1] Group 2 - Dalian Bank actively integrates into the "Belt and Road" initiative by leveraging FTZ account functions, focusing on high-tech industries such as integrated circuits, biomedicine, and artificial intelligence [2] - The bank participated in a silver syndicate project in the China-Pakistan Economic Corridor, facilitating a cross-border loan of 8.8 million USD through the FTZ accounting unit [2] - Dalian Bank has issued a 300 million RMB offshore RMB bond for a state-owned enterprise, marking the first "climate financing" pilot bond in China [2] Group 3 - Dalian Bank aims to deepen financial innovation and continue to support the "Belt and Road" initiative, providing one-stop cross-border financial services for enterprises in the Bohai Rim, Yangtze River Delta, and Chengdu-Chongqing economic circles [3] - The bank plans to enhance cross-border services and digital platforms to create a "financial bridge" connecting domestic and international dual circulation [3]