（文章来源：证券日报） 证券日报网讯 1月5日，邮储银行在互动平台回答投资者提问时表示，我行立足资源禀赋，植根本土发 展，遍布城乡的营业网点及全面赋能的线上渠道，为个人和企业客户提供完备的跨境服务。面向个人客 户，我行提供外币储蓄、国际汇款、结售汇、外币兑换和外币携带证开具等服务，除美元外币理财之 外，携手星展银行对大湾区客户推出跨境理财通（南向通）服务，助力客户实现资产全球配置的多元化 需求。面向企业客户，提供全天候的跨境结算、融资、汇兑等服务，通过与中资银行境外分支机构、全 球系统重要性银行、境外金融市场核心区域银行的业务合作，打造面向全球的国际合作布局，并通过境 外项目融资、跨境银团、跨境担保等助力构建"一带一路"立体互联互通网络。2024年以来，我行成功接 入多边央行数字货币桥，目前数字货币桥已广泛服务于金融、制造、零售、建筑、批发、货运及贵金属 加工等多个行业，凭借秒级到账、全程可溯等优势，有效助力我行境外业务发展。关于我行经营发展及 业务详情，请关注我行官网，以及我行发布的定期报告及相关公告。 ...

证券日报网讯 1月5日，邮储银行在互动平台回答投资者提问时表示，我行立足资源禀赋，植根本土发 展，遍布城乡的营业网点及全面赋能的线上渠道，为个人和企业客户提供完备的跨境服务。面向个人客 户，我行提供外币储蓄、国际汇款、结售汇、外币兑换和外币携带证开具等服务，除美元外币理财之 外，携手星展银行对大湾区客户推出跨境理财通（南向通）服务，助力客户实现资产全球配置的多元化 需求。面向企业客户，提供全天候的跨境结算、融资、汇兑等服务，通过与中资银行境外分支机构、全 球系统重要性银行、境外金融市场核心区域银行的业务合作，打造面向全球的国际合作布局，并通过境 外项目融资、跨境银团、跨境担保等助力构建"一带一路"立体互联互通网络。2024年以来，我行成功接 入多边央行数字货币桥，目前数字货币桥已广泛服务于金融、制造、零售、建筑、批发、货运及贵金属 加工等多个行业，凭借秒级到账、全程可溯等优势，有效助力我行境外业务发展。关于我行经营发展及 业务详情，请关注我行官网，以及我行发布的定期报告及相关公告。 （编辑 楚丽君） ...

Core Insights - The construction of a financial powerhouse relies on financial institutions deeply rooted in the real economy and providing precise empowerment, requiring banks to shift from traditional lending to offering systematic and accompanying financial services [1] Group 1: Financial Empowerment of Foreign Trade - In the first half of the year, Shandong Province's goods trade import and export reached 1.73 trillion yuan, ranking fifth nationwide, with Qingdao accounting for 442.7 billion yuan, or 25.6% of the province's total [2] - Qingdao Bank has tailored a comprehensive financial solution for a local company, A Group, involved in seaweed bio-products, which includes cross-border trade financing, cross-border settlement, and USD demand deposit services, successfully enhancing the company's supply chain competitiveness [2] - A Group has secured over 300 million yuan in loans from Qingdao Bank, enabling it to sign supply agreements with multiple core suppliers in Chile, thereby locking in prices for seaweed [2] Group 2: Customized Financial Solutions for Advanced Manufacturing - Qingdao ranks sixth nationally in advanced manufacturing, with significant clusters in the region, but high-end manufacturing equipment procurement and upgrades require substantial investment [3] - A microelectronics company in Qingdao received a tailored technical transformation loan of 10 million yuan from Qingdao Bank to purchase essential testing equipment for its newly approved integrated circuit reliability verification project [3][4] - The bank expedited the loan approval process through a "green channel," completing the disbursement in just three working days after receiving complete documentation [4] Group 3: Resource Linking for Green Development - Financial institutions play a crucial role in linking enterprises with policies, resources, and channels, especially for technology-driven companies [5][6] - Qingdao Bank has developed a product system for technology enterprises and established a communication mechanism with local government departments to better understand and meet enterprise needs [6] - The bank successfully approved a project loan of 95 million yuan for Qingdao Blue New Energy Co., Ltd., along with assisting in obtaining low-cost re-lending funds to reduce financing costs significantly [6][7]

Group 1 - The Central Economic Work Conference emphasized the importance of "domestic demand as the main driver" and "deepening the implementation of special actions to boost consumption," which aligns with the core mission of the consumer finance industry [1] - Financial leasing companies are focusing on providing services to small and medium-sized enterprises (SMEs) to enhance their growth potential, indicating a shift towards supporting equipment procurement and leasing needs [1] - The conference highlighted the need for financial institutions to develop new productive forces tailored to local conditions, guiding them towards high-quality transformation and development [1] Group 2 - Huarong Financial Leasing aims to enhance its adaptability and ability to change by aligning with national strategies and responding quickly to policies related to carbon neutrality and large-scale equipment updates [2] - CITIC Financial Leasing plans to prioritize resources in strategic emerging industries such as technology innovation and green transformation, particularly in marine economy and high-end shipbuilding [2] - Non-bank financial institutions are committed to providing high-quality financial services to support the transition from development plans to practical implementation, in line with the conference's focus on balancing development and safety [2] Group 3 - CITIC Financial Leasing is focusing on internal development through risk control and enhancing its core leasing business to better serve the real economy [3] - The conference's proposal to build international technology innovation centers in key regions is being embraced by financial institutions, which are planning to offer customized financial services to support innovation and economic development [3] - Companies are leveraging policy and resource advantages in specific regions, such as Xiong'an New Area, to contribute to high-quality development and infrastructure investment [3]

Group 1 - The Central Economic Work Conference emphasized the importance of "domestic demand as the main driver" and "deepening the implementation of special actions to boost consumption" as key tasks for financial institutions [1] - Non-bank financial institutions are aligning their strategies with the directives from the Central Economic Work Conference, focusing on enhancing service quality and efficiency in providing financial support to small and medium-sized enterprises [1][2] - Companies like Huarong Jinzu are aiming to adapt to new industrial revolutions by enhancing their capabilities to respond to national strategies and focusing on emerging industries such as low-altitude economy and semiconductor [2] Group 2 - CITIC Jinzu plans to prioritize resources in technology innovation, advanced manufacturing, and green transformation, particularly in marine economy and high-end shipbuilding [3] - Financial institutions are committed to providing high-quality financial services to support the transition from development plans to practical implementations, focusing on risk management and operational efficiency [3][4] - The Central Economic Work Conference highlighted the establishment of international technology innovation centers in key regions, prompting companies like Sinochem Finance to enhance their financial services to support technological innovation and high-quality development [5] Group 3 - The consumption finance sector aims to simplify financial service processes and integrate them into various consumption scenarios to stimulate consumer spending and improve livelihoods [2] - Companies are focusing on cross-border financial services, optimizing core products like cross-border settlement and trade financing to support enterprises in navigating international supply chains [4] - Non-bank financial institutions are leveraging the spirit of the Central Economic Work Conference to ensure that financial resources effectively nourish the real economy, contributing to China's high-quality economic development [5]

Group 1 - The core idea of the news is the increasing integration of Shenzhen and Hong Kong through the development of the He Tao Shenzhen-Hong Kong Technology Innovation Cooperation Zone, which is becoming a hub for high-end research projects and technology companies [1][2] - The He Tao zone has attracted over 200 high-end research projects, more than 440 technology companies, and over 15,000 research personnel [1] - The zone aims to facilitate the flow of financial resources and has implemented initiatives such as the "Ke Hui Tong" pilot program to address challenges faced by foreign non-enterprise research institutions in opening funding accounts [1][2] Group 2 - The He Tao zone plans to implement national-level technology finance policies, exploring the establishment of cross-border dual-currency early-stage mother funds with venture capital from both the mainland and Hong Kong [2] - The zone has created a tax environment similar to Hong Kong, offering tax incentives, access to Hong Kong capital, and Shenzhen talent, making it competitive globally [2] - China Bank is collaborating with various stakeholders to optimize cross-border settlement, investment financing, and global fund management services, with a service reach exceeding 70% for key universities and research institutions in the He Tao zone [2]

Core Insights - Satellite Chemical (002648) has signed a strategic cooperation memorandum with Standard Chartered Bank (China) during the 8th China International Import Expo, establishing a comprehensive strategic partnership [1] Group 1: Strategic Cooperation - The partnership will focus on key areas such as cross-border settlement, trade financing, and exchange rate risk management, providing diversified financial services to Satellite Chemical [1] - Standard Chartered Bank will also support Satellite Chemical's green and low-carbon development strategy with financial assistance [1]

Core Viewpoint - The forum highlighted the need for collaborative efforts to promote high-quality development of cross-border trade amidst rising unilateralism, protectionism, and geopolitical tensions affecting global trade costs and efficiency [1] Group 1: Industry Challenges and Opportunities - The global economic landscape is undergoing significant adjustments, with increased focus on stabilizing global supply chains and enhancing international trade competitiveness [1] - The potential of trade finance in ensuring the stability of supply chains and enhancing international trade competitiveness is emphasized [1] Group 2: Technological Innovations - New technologies such as big data, blockchain, and artificial intelligence are driving the digital transformation of trade finance services, including the implementation of electronic bills of lading and smart contracts [1] - The integration of various data resources around trade finance customers' needs is aimed at providing a comprehensive suite of financial services for cross-border transactions [2] Group 3: Collaborative Ecosystem Development - The establishment of a collaborative ecosystem involving insurance, logistics, and e-commerce platforms is crucial for creating an efficient support system that integrates financial support, customs facilitation, and risk management technologies [2]

Core Viewpoint - The Bank of Communications is actively participating in the construction of the Shanghai shipping trade digital platform, collaborating with various stakeholders to innovate cross-border financial services and support the stability of supply chains [1] Group 1: Cross-Border Financial Services - The bank aims to integrate shipping, trade, and financial data resources to provide e-commerce companies with secure, efficient, and convenient one-stop financial services for cross-border settlement, financing, and risk management [1] - This initiative is designed to contribute to the stability and smooth operation of global supply chains [1] Group 2: Digital Empowerment - The bank is leveraging blockchain and artificial intelligence technologies to quickly respond to customer needs, enabling instant cross-border remittances [1] - The focus is on addressing the financing challenges faced by small and micro enterprises, particularly in terms of accessibility and cost [1] Group 3: Ecosystem Collaboration - The bank is collaborating with insurance, logistics, and e-commerce platforms to create a synergistic ecosystem that integrates financial support, customs facilitation, and risk prevention technologies [1] - This collaborative approach aims to form an efficient and coordinated support system for cross-border trade [1]

Core Insights - China Bank has been collaborating with the China International Import Expo Bureau and the National Exhibition and Convention Center (Shanghai) since 2018 to host the Import Expo Trade and Investment Matchmaking Conference, aiming to build a global economic and trade cooperation bridge [2] - Over the past seven years, the initiative has recruited more than 31,000 companies, facilitated approximately 5,300 cooperation intentions, and the intended amount has exceeded $50 billion, injecting strong momentum into global trade [2] Group 1: Trade and Investment Matchmaking Conference - The upcoming eighth Import Expo Trade and Investment Matchmaking Conference is set to innovate in key areas such as global exhibitor matchmaking, trade negotiations, and government-enterprise exchanges [2] - The conference will feature a "Hui Chat" trade negotiation area, attracting nearly 1,000 overseas exhibitors and about 3,000 domestic buyers, providing a comprehensive service from procurement matching to financial solutions [3] - A "Hui Financial" comprehensive financial service area will be established on-site to offer inclusive financial services, mobile banking, and digital RMB to facilitate trade negotiations [3] Group 2: Investment Promotion and Financing - The conference will introduce a "Hui Living Room" investment and financing promotion platform, planning to conduct nearly 100 investment promotion and industry matching events to enhance investment vitality [4] - The "Invest in China" area will continue to support local governments and key industrial parks in targeted investment activities, showcasing China's favorable business environment and local industrial characteristics [4] Group 3: Enhanced Exhibition Experience - The conference will upgrade the deep industry exhibition group model, inviting buyers to engage directly with exhibitors for more effective communication and collaboration [5] - Two thematic exhibition groups focusing on future industries and finance will be formed, emphasizing high-end equipment, medical devices, new materials, and biotechnology to facilitate a positive cycle between technology, industry, and finance [5] - China Bank aims to leverage its cross-border financial service expertise to enhance service innovation and optimize on-site experiences for better transaction outcomes [5]