11月25日，深圳金融监管局召开新闻发布会，系统介绍深圳辖内银行业保险业在稳外贸、促消费方面的 政策落地情况与阶段性成果。 数据显示，今年前10个月，深圳市中资银行新发放外贸企业贷款7635.66亿元，同比增长9.83%；跨境电 商融资余额同比增长39.92%；小微外贸企业贷款余额同比增长20.58%。深圳辖内保险机构为3.1万家外 贸企业提供出口信用保险保障936.90亿美元，同比增长13.80%，其中，服务中小微企业超2.4万家。 金融机构创新举措落地见效。微众银行、进出口银行深圳分行、出口信保深圳分公司联合推出"微贸 贷"专属产品，截至目前已为1700家小微外贸企业授信18.20亿元，直接帮助企业融资成本降低15%以 上；全国首单"跨境电商保"落地深圳后，深圳还同步推出保费补贴政策，对跨境电商阳光化企业给予 50%的保费补贴，进一步减轻企业风险保障负担。 此外，深圳还在国际贸易"单一窗口"搭建"外贸金融超市"，推动63家银行保险机构完成系统对接，上线 229个金融产品，为外贸企业提供交易结算、贸易融资等"一站式"跨境服务。截至10月末，深圳银行机 构累计走访外贸企业4.74万户，新增授信3125.95亿 ...

Core Insights - The article highlights the innovative financial services provided by China Construction Bank (CCB) Shenzhen Branch to support foreign trade enterprises in response to the evolving international economic environment and diverse financial needs [1][6] Group 1: New Payment Tools - CCB Shenzhen Branch has launched the "Cross-Border Easy Payment" system, enabling enterprises to conduct cross-border payments quickly and at lower costs, enhancing the efficiency of cross-border trade [2] - This new payment tool utilizes blockchain technology for point-to-point payments, significantly improving payment efficiency by eliminating multiple intermediary steps [2] Group 2: New Account System - The bank has developed a flexible account matrix to accommodate the diverse needs of foreign trade enterprises, allowing them to manage multiple currencies with a single account [3] - The expansion of the pilot program for integrated domestic and foreign currency accounts aims to enhance service coverage across over 80% of foreign exchange outlets in Shenzhen [3] Group 3: New Settlement Channels - CCB Shenzhen Branch has introduced a "Cross-Border E-commerce Sunshine Settlement" solution to support the compliance and healthy development of cross-border e-commerce [4] - The bank has connected with Shenzhen's cross-border e-commerce online service platform to streamline the collection and settlement processes for small sellers [4] Group 4: New Financing Products - The bank has expanded its "Cross-Border Quick Loan" product line to provide online, unsecured, and low-cost financing options for small and micro foreign trade enterprises [5] - The introduction of various financing products, such as "Foreign Trade Loan" and "Insurance Loan," aims to meet the diverse financing needs of enterprises engaged in international trade [5] Group 5: Policy Support and Market Impact - The financial innovations are backed by strong policy support from the "Shenzhen Comprehensive Reform Pilot Program" and the "Thirty Measures for Financial Support in Qianhai," which provide clear development guidance [6] - The number of foreign trade enterprises served by CCB Shenzhen Branch has steadily increased, with a nearly 45% year-on-year growth in cross-border RMB settlement [6]

Core Insights - The article highlights the innovative financial services provided by China Construction Bank (CCB) Shenzhen Branch to support foreign trade enterprises in response to the evolving international trade environment and financial needs [1][6] Group 1: New Payment Tools - CCB Shenzhen Branch has launched the "Cross-Border Easy Payment" tool, enabling zero-cost, instant cross-border RMB payments, significantly enhancing payment efficiency and reducing exchange costs for enterprises [2] - The new payment system utilizes blockchain technology for point-to-point transactions, eliminating the need for multiple intermediary banks and reducing the risk of excessive audits due to information asymmetry [2] Group 2: New Account System - The bank has expanded its foreign and domestic currency unified account pilot program to over 80% of foreign exchange outlets in Shenzhen, allowing enterprises to manage multiple currencies with a single account [3] - The upcoming launch of the Free Trade Account (FT Account) will facilitate easier cross-border fund transfers and financing for eligible foreign trade enterprises, enhancing their ability to utilize both domestic and international markets [3] Group 3: New Settlement Channels - CCB Shenzhen Branch has developed a "Cross-Border E-commerce Sunshine Settlement" solution to ensure compliance in cross-border e-commerce, addressing challenges faced by small sellers in receiving payments and ensuring compliance [4] - The bank has processed a total of 4 billion RMB in sunshine payments for cross-border e-commerce, demonstrating its commitment to supporting this growing sector [4] Group 4: New Financing Products - The bank has introduced the "Foreign Trade Loan" under its "Cross-Border Quick Loan" product line, providing online, unsecured, and low-cost financing options for small and micro foreign trade enterprises [5] - Since 2025, the bank has served over 100 small foreign trade enterprises through its cross-border financing products, achieving a year-on-year growth rate of 72% [5] - The introduction of cross-border e-commerce performance guarantees aims to address new tax requirements from European countries, providing strong credit support for domestic enterprises expanding overseas [6]

Core Viewpoint - The article discusses the increasing importance and benefits of cross-border RMB settlement for Chinese foreign trade enterprises, highlighting the resilience of China's foreign trade amidst external pressures and the evolving landscape of cross-border financial services. Group 1: Cross-Border RMB Settlement - A Zhejiang foreign trade enterprise found that using cross-border RMB settlement significantly reduced exchange rate risks and improved operational efficiency compared to traditional USD settlements [1] - The People's Bank of China has been actively promoting the convenience of cross-border RMB settlement, enhancing cooperation with foreign central banks [1][9] - The RMB's global payment function has strengthened, with its internationalization level steadily increasing, supported by policy and market forces [3][12] Group 2: Financial Institutions' Role - Chinese financial institutions are evolving from single service providers to ecosystem hubs, responding to the diverse needs of enterprises in cross-border financial services [2][15] - The establishment of the Cross-Border Interbank Payment System (CIPS) has optimized payment pathways, reducing transaction times and costs [6][10] - Banks are increasingly offering tailored financial solutions, such as currency risk hedging and supply chain financing, to meet the specific needs of enterprises [16][19] Group 3: Market Trends and Challenges - The shift in trade flows towards Southeast Asia and other emerging markets has led to a growing demand for multi-currency settlement options among foreign trade enterprises [9][10] - Despite the progress, challenges remain, including the need for improved financial infrastructure in certain regions and the complexities of international regulations [22][32] - The competitive landscape in cross-border financial services is intensifying, with institutions needing to innovate to maintain a competitive edge [35] Group 4: Future Outlook - The article emphasizes the necessity for banks to enhance their cross-border financial ecosystems and to integrate data systems with customs, tax authorities, and logistics providers for better service delivery [34] - There is a call for more supportive policies to facilitate cross-border financing and to lower barriers for small and medium-sized enterprises in accessing financial products [35]

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].

Core Insights - The article highlights the innovative financial services introduced by China Construction Bank (CCB) Shenzhen Branch to support foreign trade enterprises in response to the evolving international trade environment and financial needs [1][6]. Group 1: New Payment Tools - CCB Shenzhen Branch has launched the "Cross-Border Easy Payment" tool, enabling zero-cost, instant cross-border RMB payments, significantly enhancing payment efficiency and reducing exchange costs for enterprises [2]. - The new payment system utilizes blockchain technology for point-to-point transactions, eliminating the need for multiple intermediary banks and reducing the risk of excessive audits due to information asymmetry [2]. Group 2: New Account System - The bank has expanded its foreign and domestic currency unified account pilot program, allowing enterprises to manage multiple currencies through a single account, thus improving fund allocation efficiency and reducing management costs [3]. - The upcoming launch of the Free Trade Account (FT Account) will facilitate easier cross-border fund transfers and financing options for eligible foreign trade enterprises, enhancing their ability to utilize both domestic and international resources [3]. Group 3: New Settlement Channels - CCB Shenzhen Branch has developed a "Sunshine Settlement" solution for cross-border e-commerce, ensuring compliance throughout the entire process of collection and settlement, thus addressing the challenges faced by small sellers [4]. - The bank has processed a total of 4 billion yuan in sunshine payments for cross-border e-commerce, demonstrating its commitment to supporting this growing sector [4]. Group 4: New Financing Products - The bank has introduced the "Foreign Trade Loan" as part of its "Cross-Border Quick Loan" product line, providing online, unsecured, and low-cost financing options tailored for small and micro foreign trade enterprises [5]. - Since 2025, the bank has served over 100 small foreign trade enterprises through its cross-border financing products, achieving a year-on-year growth rate of 72% [5]. - The introduction of cross-border e-commerce performance guarantees has streamlined the approval process for financing, providing strong credit support for domestic enterprises expanding into overseas markets [6]. Group 5: Policy Support and Market Impact - The financial innovations are backed by strong policy support from the Shenzhen Comprehensive Reform Pilot Program and the "Thirty Measures for Financial Support in Qianhai," which provide clear guidance and ample policy space for the bank's initiatives [6]. - The number of foreign trade 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 [6].

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]