数年前，浙江一家外贸企业负责人决定开拓印度尼西亚市场，出售益智类玩具产品，但在以美元计价方式进行结算后，他深感 这不仅费时，而且还需承受高额汇兑损失——若在签订合同和交货收款时，美元兑人民币汇率从7∶1跌至6.9∶1，那一笔700万元 的玩具订单，便会出现10万元折损。 囿于国际主流支付结算体系以美元为核心，这位外贸企业负责人只能习惯汇兑风险带来的胆战心惊。但伴随贸易流向转变及结 算便利需求增加，他惊喜地发现，通过跨境人民币结算，不仅可以推动经营效益提升，还能大幅规避汇率风险。 这背后正得益于中国高层大力推动跨境人民币结算便利化。近年来，中国人民银行（下称"中国央行"）持续加强与境外央行间 本币结算合作，叠加中国外贸动能向新、企业海外布局多元化等因素，即便在关税威胁的逆境下，中国外贸依然展现出较强的 韧性和活力。 "美国政府4月宣布对中国输美商品征收对等关税，出口欧美市场占比较高的部分低端产业一度观望。但更多企业在上一轮 （2018年）关税摩擦后，海外布局就已转向，因此本轮受影响不大。" 过去一个月，《财经》采访了来自江苏、浙江、上海、北京、福建、新疆、云南等多地的金融机构、外贸企业，以及国际组织 和部分权威 ...

Core Insights - China Construction Bank (CCB) is enhancing its support for enterprises going global by leveraging its global network and providing integrated financial services for cross-border operations [1][5][6] Group 1: Event Overview - The "2025 CCB Assisting Enterprises in High-Quality 'Going Global'" event was held during the 2025 China International Service Trade Fair, with participation from over 40 key enterprises from the Beijing-Tianjin-Hebei region [1][3] - CCB's International Business Department and representatives from various domestic and international branches attended the event to discuss support for enterprises [1][4] Group 2: New Product Launch - CCB launched the "Cross-Border Easy Payment" product, utilizing blockchain technology to streamline cross-border remittance processes, enabling instant settlement and improving transaction transparency [2][5] - The product supports over 140 currencies, enhancing exchange efficiency and reducing costs for Chinese enterprises engaging in trade with Belt and Road countries [2][5] Group 3: Financial Services and Support - CCB is committed to building a global service network and optimizing cross-border financial services to meet the full lifecycle needs of enterprises going global [5][6] - The bank has established partnerships with over 1,800 banks in more than 140 countries and regions, creating a comprehensive global financial service system [6] - CCB has organized over 440 cross-border matchmaking events, serving more than 26,000 domestic and foreign enterprises [6]

Core Viewpoint - The article highlights the innovative cross-border financial services provided by China Construction Bank (CCB) Shenzhen Branch, which significantly enhance the efficiency and cost-effectiveness of cross-border payments for foreign trade enterprises in Shenzhen. Group 1: New Payment Tools - CCB Shenzhen Branch launched the "Cross-border Easy Payment" tool in collaboration with CCB Asia (Hong Kong Branch), offering enterprises a "zero-cost, instant payment" experience for cross-border RMB transactions, utilizing blockchain technology to improve payment efficiency by eliminating multiple intermediary banks [1]. Group 2: New Account System - The bank has developed a flexible and efficient account matrix to accommodate diverse cross-border trade needs, including expanding the pilot of the unified domestic and foreign currency account and promoting the Qianhai Free Trade Account (FT Account) for easier fund transfers and cross-border financing [2]. Group 3: New Settlement Channels - CCB Shenzhen Branch has established a transparent collection and settlement service for cross-border e-commerce, directly connecting with Shenzhen's cross-border e-commerce online service platform to streamline the collection and settlement process, addressing challenges faced by small sellers [3]. Group 4: New Financing Products - The bank has enriched its "Cross-border Quick Loan" product line to support small and micro foreign trade enterprises, introducing "Foreign Trade Loans" that provide online, unsecured, and low-cost financing based on customs data, with a 72% year-on-year increase in service to over 100 small enterprises since 2025 [4]. - Additionally, the bank has innovated the issuance of cross-border e-commerce performance guarantees to meet new tax guarantee requirements from European countries, significantly reducing approval processes and providing strong credit support for domestic enterprises expanding overseas [4]. Group 5: Overall Impact - The number of foreign trade and foreign investment enterprises served by CCB Shenzhen Branch has steadily increased, with a nearly 45% year-on-year growth in cross-border RMB settlement volume, enhancing the resilience and international competitiveness of Shenzhen's foreign trade enterprises [4].

在深圳前海某科技公司财务部，财务总监张女士正通过建行企业网银发起一笔跨境支付。指尖轻 点，"跨境易支付"系统瞬间完成对新加坡供应商的货款结算。"以前跨境付款要跑银行、填单据，到账 还慢，现在足不出户，几分钟搞定，汇率成本还低了不少。"张女士的感慨，是建行深圳市分行以跨境 金融服务创新精准滴灌深圳外贸企业的一个缩影。 今年5月以来，面对复杂多变的国际经贸环境与外贸企业日益多元的金融需求，建行深圳市分行敏锐捕 捉政策东风，紧扣《中共中央办公厅 国务院办公厅关于深入推进深圳综合改革试点深化改革创新扩大 开放的意见》（以下简称"深圳综合改革试点方案"）、《关于金融支持前海深港现代服务业合作区全面 深化改革开放的意见》（以下简称"金融支持前海三十条"）等重大战略机遇，发布《2025年建行深圳市 分行金融支持稳外贸专项服务方案》，提出"资金融通 汇路畅通 政策贯通 内外联通"四大举措。目前分 行已在支付工具、账户体系、结算渠道、融资产品等领域密集"上新"，高效满足外贸企业日益增长的跨 境金融需求，与深圳外贸基本盘同频共振。 一、新型支付工具"上新"：资金跨境更快更安全 灵活多样的跨境融资产品正在通过不断创新积极适应全球经 ...

Group 1 - The event "Sailing Overseas with Financial Support - Stabilizing Foreign Trade in Hundreds of Cities and Thousands of Enterprises" was successfully held by China Construction Bank (CCB) Shenzhen Branch to support high-level opening-up and quality overseas expansion in Shenzhen [1] - CCB aims to provide comprehensive financial solutions for enterprises venturing abroad, including cross-border settlement, exchange rate management, and cross-border financing [1][2] - As of the end of August, CCB Shenzhen Branch has benefited over 8,900 foreign trade and foreign-funded enterprises through its "Longqi Hui" initiative, promoting cross-border settlements with an increase of 3.7 billion yuan [2] Group 2 - CCB introduced the "Stabilizing Foreign Trade Support Package - Five Sceneries and Ten Strategies" to assist enterprises in market expansion, order stabilization, and risk control [2] - The bank's international settlement for enterprises reached 119.3 billion USD by August 2025, reflecting a year-on-year growth of 20.7% [2] - CCB Shenzhen Branch is committed to enhancing its services for the real economy and supporting the high-quality development of Shenzhen's outward-oriented economy [2]

Core Insights - The fourth China-Africa Economic and Trade Expo was held in Changsha from June 12 to 15, with China Construction Bank (CCB) as an outstanding partner [1] - CCB has actively participated in previous expos, showcasing cross-border financial services and integrated operations of domestic and foreign currencies [1] Group 1: Platform Innovation - CCB, in collaboration with the provincial commerce department, has developed the "Xiangqi Chuhai+" comprehensive service platform, which has registered 12,585 users and served over 8,000 export-oriented enterprises [1] - Since 2020, CCB has facilitated international settlements amounting to $3 billion, with a service network covering 50 African countries [1] Group 2: Technological Empowerment - CCB's headquarters has launched products like "Cross-border Easy Payment" and "Guanyin One KEY Pass," with the latter distributing over 28,000 "Single Window Shared Shields" benefiting 18,200 foreign trade enterprises [1] - In 2024, CCB provided $2.5 billion in cross-border easy payment services for domestic enterprises [1] Group 3: Addressing Market Pain Points - CCB has interconnected with the Gaoqiao Market Procurement Trade Platform, serving 18 market procurement merchants and facilitating export receipts of $3.6575 million [1] - The bank has innovated small currency payment services, supporting over 140 small currencies and mainstream foreign currencies [1] Group 4: Trade Settlement Optimization - By the end of 2024, CCB has processed trade facilitation receipts for 70 enterprises amounting to $4.7 billion [2] - The bank has promoted cross-border investment and financing facilitation, providing $2.53 million in financing for 11 enterprises [2] - CCB has enhanced payment services for foreign personnel in China, processing $2.2 billion in foreign card transactions since 2024 [2]

Core Insights - The fourth China-Africa Economic and Trade Expo opened in Changsha, marking a significant event for economic exchanges between China and African countries in 2024, with trade volume reaching $295.6 billion, a record high for four consecutive years [1] - China has maintained its position as Africa's largest trading partner for 16 years, with financial services playing a crucial role in supporting China-Africa economic cooperation [1] Group 1: Financial Services and Innovations - China Construction Bank (CCB) Hunan Branch has actively participated in the China-Africa Economic and Trade Expo, showcasing its cross-border financial services and integrated operations [2][4] - CCB has developed various cross-border financial products, including cross-border quick loans and integrated currency services, to facilitate trade and investment between China and Africa [4][5] - The "CCB Match Plus" platform, launched in 2019, aims to address information asymmetry and high transaction costs in cross-border trade, providing a B2B matching service for enterprises [8][9] Group 2: Trade Facilitation and Support - CCB has provided significant financial support for infrastructure projects in 15 African countries, covering key sectors such as transportation and telecommunications [15] - Since 2021, CCB has offered over 1.78 billion yuan in financing support for trade with Africa, helping various enterprises expand their market presence [17] - The bank has implemented a "Convenience + Bulk Payment" service for enterprises, significantly reducing transaction times and costs [19] Group 3: Digital Transformation and Efficiency - CCB has accelerated its digital transformation, introducing products like "Cross-Border Easy Payment" to enhance payment efficiency for enterprises engaged in cross-border trade [6][13] - The bank has established a comprehensive international settlement service system, processing over 20,000 cross-border settlement transactions with a total value of $3 billion since 2020 [5] - CCB's collaboration with local customs has streamlined the process for enterprises, reducing processing times by over 50% and cutting costs by more than 40% [8] Group 4: Market Opportunities and Growth - The growing middle class in Africa presents significant demand for Chinese products, prompting Hunan enterprises to accelerate their market entry into Africa [14] - CCB's innovative financial solutions, such as the "Cross-Border Quick Loan," have addressed financing challenges for small and medium-sized enterprises, enabling them to maintain stable supply chains [17] - The bank's efforts in promoting new trade models and digital platforms are expected to enhance trade efficiency and transparency in the China-Africa economic landscape [13]

Core Insights - The article highlights the efforts of China Construction Bank's Shandong branch in providing comprehensive financial solutions to support enterprises going global, focusing on cross-border payment services, business matchmaking, inclusive credit, and ecosystem empowerment [1][2][3]. Cross-Border Payment Empowerment - The Shandong branch has identified challenges in cross-border payments, such as long collection cycles, high fees, and complex processes, and has tailored financing solutions to address these issues [2]. - Collaborating with 31 overseas branches and over a thousand foreign agents, the bank has established a cross-border funding platform that effectively reduces financing costs for enterprises [2]. - Innovative financial products like "Cross-Border Easy Payment" allow for real-time B2B payments with zero fees, significantly improving cash flow efficiency for businesses [2][3]. Business Matchmaking - The bank has organized events like the "Global Matchmaking Festival" to connect local enterprises with international opportunities, facilitating face-to-face discussions and consultations with major e-commerce platforms [3]. - Since the launch of the Global Matchmaking Platform, the Shandong branch has hosted 33 cross-border matchmaking events, connecting 16,000 enterprises and generating over 1 billion yuan in cooperation intentions [3]. Credit Support for Small and Micro Enterprises - The Shandong branch has introduced the "Cross-Border Quick Loan" series, providing unsecured, online financing solutions with instant approval and low interest rates, benefiting 431 small and micro enterprises with 955 million yuan in credit support in 2024 [4]. - The "Cross-Border E-Commerce Tax Guarantee" product connects customs supervision, business operations, and financial services, creating a low-cost, efficient pathway for cross-border e-commerce [4][5]. Ecosystem Collaboration - The bank emphasizes a collaborative approach, integrating financial services into every aspect of the supply chain and industry chain to support enterprises in navigating international markets [5]. - Initiatives like "Good Products from Shandong" and participation in cross-border e-commerce conferences aim to build a supportive ecosystem for foreign trade enterprises [5]. - The introduction of "Cross-Border Direct Loan" facilitates direct financing for overseas warehouses, reducing asset burdens and enhancing proximity to overseas consumers [5].