来源：贸易金融 从跨境电商10亿笔线上业务到银行凭指令办理4400亿美元外汇业务，新一轮外汇管理改革正 在重塑银行国际业务的发展逻辑。 2026年全国外汇管理工作会议释放出明确信号：外汇管理将朝着"更加便利、更加开放、更加安全、更 加智慧"的方向迈进。这一政策导向预示着银行国际业务将进入深度调整期，传统的经营模式和服务理 念面临全新挑战。 银行需要构建支持7×24小时不间断服务的线上系统，实现从传统国际结算向数字化生态服务的转型。 这要求银行打通前中后台系统，实现业务流程的无缝衔接，为企业提供全流程线上化的跨境金融解决方 案。 外汇局提出的"智慧外管"建设，将为银行数字化转型提供基础设施支持。银行需要把握这一机遇，将内 部系统与跨境金融服务平台深度对接，提升数据共享和业务协同效率。 资本项目开放：综合化经营迎来新空间 在跨国公司本外币一体化资金池政策全国推广基础上，会议部署在全国实施跨国公司本外币跨境资金集 中运营管理政策，这为银行拓展综合化跨境金融服务提供了政策支持。资本项目开放程度的提升，使得 银行能够为企业提供更加全面的跨境财资管理服务。 会议数据显示，2025年外汇市场展现出强劲韧性，银行凭客户指令办 ...

第二阶段：场景共建，深度融合 结合银行高净值客群需求与国家文旅产业政策，龙腾出行进一步拓展品质生活、酒店预订、门票服务等多元化场景。例如在"企业家出海"场 景中，龙腾出行提供全球旅行规划与当地接送机和包车资源，银行则同步嵌入跨境金融解决方案。随着AI技术从"降本增效"向"以用户为中 心"转型，龙腾出行将智能服务深度融入全场景，为银行提供精准化、个性化的生态赋能，实现金融与非金融服务的无缝融合。 第三阶段：生态共创，共生共赢 谈及银企关系，毛君进提出"葡萄树与枝叶"的生动比喻，认为双方的合作是互相滋养的过程。她解释，银行拥有强大的客户资源、品牌信 任、资金实力与系统支撑，这是共生的根本。而龙腾这类企业则如枝叶，深入延伸到出行、健康、生活等各类场景，洞察用户需求、优化服 务体验，沉淀用户数据与偏好等"养分"，并持续反馈给银行等金融机构，共同提升服务效能。 12月26日，由金融界主办、宁波银行支持、清华大学经济管理学院中国金融研究中心提供学术支持的"启航・2025银行业高质量发展年会"在 北京圆满落幕。本次年会以"凝心启新，聚力致远"为主题，汇聚监管专家、学界精英、行业领袖及科技企业代表，围绕服务实体经济、数字 化 ...

Core Points - The "New Rhythm Chongqing" drone light show was held on November 18 to welcome representatives from advanced manufacturing enterprises in Europe [1] - The event showcased Chongqing's image as a modern international metropolis, focusing on the theme "China-Europe Cooperation, Chongqing Sees the Future" [1][3] - The light show highlighted the "33618" modern manufacturing cluster system, emphasizing industries such as smart connected new energy vehicles, next-generation electronic information manufacturing, advanced materials, intelligent equipment, food processing, and software information services [1] Company and Industry Insights - The drone show was part of a series of activities for the "European Advanced Manufacturing Enterprises Chongqing Tour," aimed at promoting collaboration between China and Europe [1] - The event illustrated the capabilities of CITIC Group in providing comprehensive cross-border financial solutions, positioning itself as a solid financial bridge for trade between China and the world [5] - The visual representation included the CITIC Group logo and imagery symbolizing global cooperation and industrial development, reinforcing the theme of mutual benefit and open collaboration [3][5]

Core Points - The China Bank Marathon 2025 in Hengdian marks the 10th anniversary of the bank's exclusive sponsorship, showcasing its long-term commitment to the event and its growth from a few thousand participants to 18,000 runners [1][3] - The marathon has evolved into a unique "sports + film" gold medal event, becoming a prominent cultural tourism symbol for Zhejiang province [1] - China Bank provides comprehensive financial services and support to participants, including financial education and personalized wealth management solutions [3][4] Group 1 - The event attracted 18,000 participants, highlighting its growth and popularity over the past decade [1] - China Bank has been the exclusive sponsor for ten years, contributing to the marathon's development and success [1][3] - The marathon route features various cultural landmarks, emphasizing the integration of sports and local culture [1] Group 2 - China Bank organizes a "running team" and sets up multiple financial service points during the event to educate participants on financial safety and investment [3] - The bank offers personalized wealth management solutions, including asset allocation and retirement planning, catering to individual financial needs [3] - For small and micro enterprises, China Bank provides flexible loan support to promote the growth of the real economy [3][4] Group 3 - The bank aims to leverage its global and comprehensive operational advantages to continuously energize the Hengdian Marathon [4] - Future collaborations with runners are planned to enhance the event's experience and reach [4]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Ningbo Branch successfully held a cross-border financial service salon focused on Malaysia, aiming to enhance cross-border financial cooperation and support local enterprises in their international expansion efforts [1][5]. Group 1: Event Overview - The salon gathered representatives from 15 Ningbo enterprises planning or already investing in Malaysia, along with experts from Kuantan Industrial Park and ICBC Malaysia [1]. - The event emphasized the bank's commitment to the "Belt and Road" initiative, aiming to provide comprehensive financial support for Ningbo enterprises participating in high-quality development projects [1][6]. Group 2: Financial Solutions Offered - ICBC Ningbo Branch introduced tailored cross-border financial solutions based on the group's global layout, covering areas such as cross-border settlement, trade financing, cross-border loans, exchange rate hedging, and global cash management [5]. - ICBC Malaysia provided insights into the business environment in Malaysia, including potential challenges and opportunities for enterprises, along with practical financial solutions [5]. Group 3: Strategic Collaboration - The event marked an important step for ICBC Ningbo Branch in deepening cross-border financial services and supporting regional enterprises in international competition [6]. - As of the end of August, the bank has assisted over a hundred enterprises in connecting with ICBC's overseas branches and various international resources [6]. - The bank plans to continue enhancing strategic collaboration with ICBC Malaysia and other overseas branches, focusing on the core needs of foreign-related enterprises at different stages of international development [6].

Core Viewpoint - The rebranding of 易联支付 to 派安盈支付 marks a strategic move by Payoneer to strengthen its presence in the Chinese market and comply with local regulations [1][3]. Group 1: Company Overview - 易联支付有限公司 has officially changed its name to 派安盈支付（广东）有限公司 as approved by the People's Bank of China [1]. - Payoneer, established in 2005 and listed on NASDAQ in 2021, focuses on cross-border payment solutions for SMEs and emerging markets [3]. - The original registered capital of 易联支付 was 100 million RMB, and it was granted a payment business license in 2011 [3]. Group 2: Regulatory Compliance - The acquisition of a domestic payment license is crucial for cross-border payment service providers to operate legally within China, reducing legal and operational risks [3][4]. - The rebranding is part of Payoneer's strategy to consolidate its business and maintain brand recognition in the Chinese market [3]. Group 3: Market Trends - The trend of cross-border payment companies acquiring domestic payment licenses is accelerating, with other companies like XTransfer and Airwallex also obtaining licenses through acquisitions [4][5]. - The acquired payment institutions often face operational challenges, leading them to sell their licenses to larger firms [5]. Group 4: Operational Challenges - Despite obtaining a license, companies like Payoneer must navigate local operational requirements, including compliance with anti-money laundering regulations and data management standards [5][6]. - Building a robust domestic payment system and leveraging technology such as big data and AI are essential for enhancing service quality in cross-border payments [6].