来源：时代周报-时代在线 面对复杂多变的外部环境，"稳外贸、稳外资"成为保障经济稳定运行的重要支撑。浙商银行主动对接国家"拓展国际循环，推动贸易创新发展"战略，聚焦外 贸企业跨境结算、融资等核心需求，创新推出全球化账户及结算、一体化流动性融贷、商投行一站式投融资、沉浸式对客外汇交易和场景化外贸新业态于一 体的跨境金融五大服务，有效助力外资外贸企业在国际市场中行稳致远。 脚步不停，成果渐显。"十四五"期间，浙商银行累计提供本外币跨境结算服务超17000亿美元、累计提供汇率避险服务超7000亿美元，为跨境企业提供跨境 融资余额超1500亿元。 响应需求：高效结算服务打通出海"第一公里" "开拓东盟、中东、非洲等新兴市场的企业，过往普遍面临收汇速度慢、中间扣费多、小币种收汇难等问题。对于他们的需求和痛点，近年来，我行主动响 应，持续拓宽境内外合作渠道，先后推出了全球收款、跨境易收等创新服务。"据浙商银行相关负责人介绍，通过这些服务，企业的收款效率得以提升，收 汇成本也进一步降低。 这是浙商银行助力企业出海、勇于创新的一处生动落笔，眼下，更多元化的跨境金融服务范式正持续涌现。 破解难题："跨境资产池"实现境内外信用高 ...

面对复杂多变的外部环境，"稳外贸、稳外资"成为保障经济稳定运行的重要支撑。浙商银行主动对接国 家"拓展国际循环，推动贸易创新发展"战略，聚焦外贸企业跨境结算、融资等核心需求，创新推出全球 化账户及结算、一体化流动性融贷、商投行一站式投融资、沉浸式对客外汇交易和场景化外贸新业态于 一体的跨境金融五大服务，有效助力外资外贸企业在国际市场中行稳致远。 脚步不停，成果渐显。"十四五"期间，浙商银行累计提供本外币跨境结算服务超17000亿美元、累计提 供汇率避险服务超7000亿美元，为跨境企业提供跨境融资余额超1500亿元。 响应需求：高效结算服务打通出海"第一公里" 一份针对中小外贸企业的调研显示，伴随企业出口贸易资金收付频繁，尤其外贸新业态涉及大量中小微 企业的零散交易，当前企业愈发追求支付结算流程的高效与低成本。因此，要想帮助出海企业稳健走 出"第一步"，便捷跨境收付服务不可或缺。 "开拓东盟、中东、非洲等新兴市场的企业，过往普遍面临收汇速度慢、中间扣费多、小币种收汇难等 问题。对于他们的需求和痛点，近年来，我行主动响应，持续拓宽境内外合作渠道，先后推出了全球收 款、跨境易收等创新服务。"据浙商银行相关负责人介绍 ...

Core Insights - The article emphasizes the role of financial institutions, particularly Zhejiang Commercial Bank, in supporting the real economy and national development through innovative financial services [2][3]. Group 1: Financial Support for the Real Economy - Zhejiang Commercial Bank has served over 500,000 small and micro enterprises during the "14th Five-Year Plan" period, with a loan scale growth of 133% [3]. - The bank has provided over 160 billion yuan in cross-border financing for foreign trade enterprises [3]. - The bank's commitment to "finance for the people" reflects its strategic focus on supporting the real economy and national development [2][3]. Group 2: Technological Innovation and Support - The "Talent Bank" service launched by Zhejiang Commercial Bank in 2016 focuses on evaluating technology companies based on their talent and innovation rather than traditional collateral [7]. - The bank has supported over 35,000 technology enterprises with a financing balance exceeding 460 billion yuan as of September 2025 [10]. - The case of Wuhan Heyuan Biotechnology Co., Ltd. illustrates the bank's innovative approach to financing, providing critical support for its research and development [8][10]. Group 3: Rural Development and Poverty Alleviation - Zhejiang Commercial Bank has implemented a "3386 model" to support local economies and agricultural projects, facilitating access to finance for rural entrepreneurs [14][16]. - The transformation of Taohou Village from poverty to a model of shared prosperity showcases the bank's impact on rural development [11][18]. - The bank has served 780,000 small enterprises, with over 2.8 trillion yuan in small loans disbursed, significantly contributing to poverty alleviation efforts [16][18]. Group 4: Support for Foreign Trade - Zhejiang Commercial Bank has provided over 1.6 trillion yuan in cross-border financing, enhancing the efficiency of payment and settlement processes for foreign trade enterprises [23]. - The bank's innovative services, such as the "cross-border asset pool," have enabled efficient financing for companies like YN Technology, facilitating their international expansion [22][23]. - The bank's commitment to supporting foreign trade aligns with national strategies to stabilize and grow international trade [19][23].

Core Viewpoint - Lin Jingran, Vice President of Zhejiang Commercial Bank and President of Shanghai Branch, emphasizes the integration of financial services with social responsibility and the development of the real economy, aiming to create a "first-class commercial bank" through innovative and comprehensive financial solutions [3][4]. Group 1: Financial Services and Social Responsibility - "Good finance" is a distinctive label of Zhejiang Commercial Bank, focusing on reshaping financial service models to prioritize social value and support the real economy [4]. - Lin Jingran leads initiatives in technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning with the central government's direction to enhance financial services for the real economy [5][6]. - The Shanghai Branch has established a financial advisory team to serve as "financial family doctors" for enterprises and local governments, enhancing the bank's social image through various public welfare activities [6]. Group 2: International Financial Center Development - The Shanghai Branch is actively contributing to the construction of the Shanghai International Financial Center by enhancing international business and supply chain finance services [7][8]. - Lin Jingran views international business as a key connector between global capital and the Chinese market, focusing on cross-border settlement and offshore financing [7]. - The bank's supply chain finance initiatives support the integration of financial services across the Yangtze River Delta, providing efficient financing solutions for small and micro enterprises [8].