商报讯（记者 叶晓珺 通讯员 钟裕羚 楼群）11月19日，在杭州未来科技城，一场汇聚中非政商资源的高 规格盛会——第四届中非经贸西湖大会如期举行。浙江稠州商业银行（以下简称：稠州银行）受邀参与 本次大会，并以"'非'耀浙里——稠州银行助力中非经贸西湖大会"为主题分享实践经验。 作为一家根植于义乌、成长于浙江的城商行，稠州银行依托浙江作为外贸大省和义乌"世界小商品之 都"的天然优势，早已将服务触角延伸至全球。通过覆盖100多个国家、973家银行的合作网络，该行 将"地缘优势"转化为"功能优势"，在复杂的国际汇路中，为企业出海开辟了一条高效、低成本的金 融"快车道"。 在大会的资源对接区，稠州银行的团队成为热门焦点。针对建筑建材、机械五金等非洲热点行业的需 求，从非洲本地币种直接清算到境外融资成本优化，从数字化结算通道搭建到贸易风险防控，该行提供 的精准定制化方案和全链条服务能力赢得现场各方高度认可，展现的不仅是"金融输出"，更是"方案输 出"的浙江智慧。 随着中非经贸往来持续升温，"出海"非洲的企业却常常在"钱"的问题上犯难：部分非洲国家外汇短缺、 汇路不畅、资金回收周期长，成为制约合作质效提升的隐形壁垒。面对 ...

Core Insights - The article highlights the role of Hengfeng Bank's Shenzhen branch in supporting the economic development of the Guangdong-Hong Kong-Macao Greater Bay Area through innovative financial services and targeted support for technology-driven enterprises [1][12]. Group 1: Financial Support for Innovation - Hengfeng Bank's Shenzhen branch has established a specialized financial service team focused on high-tech sectors such as humanoid robots and advanced chips, facilitating a rapid approval of 200 million yuan for a leading IoT company's urgent R&D needs [4][5]. - The bank has expanded its financial toolkit for technology enterprises, offering diverse support including intellectual property pledge financing and specialized loans, effectively promoting a virtuous cycle of technology, industry, and finance [5]. Group 2: Cross-Border Financial Services - The Shenzhen branch has developed an integrated cross-border financial service system, significantly improving the efficiency of capital account management for foreign-invested enterprises, with cross-border settlement volumes exceeding 1.5 billion yuan since its establishment [6][7]. - The bank successfully implemented a pilot project to simplify the cross-border fund settlement process for foreign direct investment, significantly enhancing the operational efficiency for foreign enterprises [7]. Group 3: Inclusive Financial Services - Hengfeng Bank is committed to enhancing financial services for small and micro enterprises, having established a two-tier working group to implement a national financing coordination mechanism, and actively engaging in outreach to support local businesses [11]. - The bank has introduced a "零钱包" service to address the cash exchange needs of Hong Kong residents, improving service efficiency and enhancing the overall customer experience [8][10]. Group 4: Strategic Vision and Future Plans - The Shenzhen branch aims to continue its alignment with the city's development strategies, focusing on the "20+8" emerging industry cluster plan, and enhancing its comprehensive financial service capabilities to support the Greater Bay Area's global innovation landscape [12].