2025年底至2026年初，国内金融市场出现一个显著现象：多家村镇银行、农信社密集宣布关闭借记卡境 外交易功能，安平惠民村镇银行、阳光村镇银行、公主岭华兴村镇银行等均在其中。 官方披露的核心原因直指境外盗刷风险，这一举措引发市场对中小银行跨境金融业务的广泛讨论。与此 同时，浦发银行等大型银行信用卡盗刷警报频发，进一步凸显跨境金融业务的风险隐患。然而，中小银 行"想退出容易"但要想再"进场"境外交易将不再是那么容易的事了…… 境外交易功能"瘦身"， 中小银行主动卸下跨境业务"包袱" 截至2026年1月13日，根据巴伦中文网统计，已有至少10家中小银行明确宣布关闭借记卡境外交易功 能，另有多家银行采取了限制性措施。从机构类型来看，以村镇银行为绝对主力，同时涵盖部分农信社 和城商行；从地域分布来看，涉及吉林、河北、湖北、广东、湖南等多个省份，呈现出全国范围内的分 散性集中特征。 具体来看，明确关闭境外交易功能的村镇银行包括：安平惠民村镇银行、公主岭华兴村镇银行、前郭县 阳光村镇银行、桦甸惠民村镇银行、五华惠民村镇银行、文安县惠民村镇银行、清远清新惠民村镇银 行、扶余惠民村镇银行、荆门东宝惠民村镇银行等。 此外，湖南 ...

Core Insights - The China Bank Sichuan Branch has been actively supporting local economic development by aligning financial resources with the needs of the real economy, focusing on innovation to solve business challenges [3][4][5][6][10] Group 1: Support for Emerging Industries - The bank has significantly increased its financial support for emerging industries, achieving an annual loan growth rate of nearly 50% in strategic emerging industries, serving over 4,100 enterprises [5] - The bank has developed a tiered service system, providing tailored financial solutions for both leading enterprises and small emerging businesses, including products like "Expansion Loan" and "Innovation Points Loan" [5][6] Group 2: Agricultural Support and Rural Revitalization - The bank has launched the "Supply and Marketing Technology Planting Loan" to assist farmers in expanding their planting areas without collateral, while also providing insurance to mitigate risks [6][7] - The agricultural loan balance has exceeded 150 billion yuan, with an annual growth rate of over 15%, supporting nearly 3,800 agricultural enterprises [7] Group 3: Support for Cultural and Tourism Consumption - The bank has introduced the "Hui Ru Yuan·Agricultural and Cultural Tourism Loan" to help local tourism businesses upgrade their facilities, with a funding of 10 million yuan [8] - The bank has launched various consumer credit products to stimulate local consumption, including a themed credit card that integrates local cultural elements [9] Group 4: Future Outlook - The bank plans to continue deepening its integration with the real economy and developing products that meet local needs, contributing to high-quality development in Sichuan [10]

Core Insights - Inner Mongolia Xingye Bank Hohhot Branch is focusing on the development opportunities brought by the construction of a northern open bridgehead, accelerating the implementation of the head office's international business development strategy, and promoting financial development related to border trade [1] Group 1: Company Overview - Company A is a manufacturing foreign trade enterprise that primarily relies on international companies for procurement and has gradually expanded its self-import business to improve profit margins, reducing the proportion of agency procurement from approximately 80% in 2022 [1] - The company mainly uses maritime transport for goods, with a typical single shipment value exceeding 20 million USD, and seeks to expand credit support, enhance cross-border settlement efficiency, and reduce financing costs [1] Group 2: Financial Services Provided - The bank designed a tailored financing service plan for Company A based on its procurement model, recommending the use of import letters of credit for large single transaction amounts to protect the rights and obligations of both parties [2] - The bank approved a credit limit of 400 million CNY for Company A to open immediate import letters of credit, allowing for revolving use of the credit after payment upon maturity [2] - The bank launched the "Xingye Butler (International Business)" online financial service platform for Company A, reducing the processing time for international settlement from 2-3 days to under 1 day, which was highly recognized by the company [2] - The bank provided significant fee reductions for Company A, including waiving letter of credit fees and foreign exchange fees, in light of the company's low profit margins of 2%-4% [2] Group 3: Future Plans - The bank plans to optimize its port financial work mechanism, strengthen collaboration among various departments, and enhance the training of international business talent to improve the overall professional quality and service capabilities [3]

Group 1 - Zijin Copper Industry Co., Ltd. is the leading enterprise in the 100 billion yuan copper industry in Shanghang County, located in the Jiaoyang New Materials Industrial Park [1] - Zijin Copper has been enhancing its leading role by strengthening upstream and downstream linkages and exploring a circular economy model that transforms waste into resources [3] - The Industrial and Commercial Bank of China (ICBC) Longyan Branch has conducted comprehensive research on the financial service needs of the copper smelting industry chain in Shanghang, tailoring a comprehensive financial service plan for local enterprises [3] Group 2 - ICBC Longyan Branch offers various financial products such as gold leasing, import letters of credit, bank acceptance bills, domestic factoring, and working capital loans to meet the financing needs of enterprises [3] - The bank's precise financial support has effectively addressed the "difficult and expensive financing" issues faced by industry chain enterprises, significantly improving financing efficiency [4] - The comprehensive financial services provided by ICBC have promoted close cooperation among upstream and downstream enterprises, facilitating the overall optimization and upgrading of the industry chain [4]

Core Viewpoint - Agricultural Bank of China (ABC) Fujian Putian Branch is actively supporting foreign trade enterprises by implementing the national "stabilizing foreign trade" strategy, providing financial resources, and innovating service mechanisms to meet the financial needs of these enterprises [1][2]. Group 1: Financial Support and Initiatives - As of the end of March this year, ABC Fujian Putian Branch has supported 15 foreign trade enterprises with a total credit amount of 2.645 billion yuan and has issued loans amounting to 1.993 billion yuan [2]. - The branch has collaborated with local authorities and organizations to launch the "2025 Putian City Customs, Foreign Exchange, Government, and Bank Jointly Promote AEO Special Action," engaging over 20 foreign trade enterprise representatives to better implement supportive policies [2]. - ABC has detailed a policy list to support AEO (Authorized Economic Operator) certified enterprises, focusing on expanding credit financing, optimizing financing guarantees, upgrading cross-border settlement services, reducing financing costs, and enhancing exchange rate risk management [2]. Group 2: Customized Financial Solutions - A fiber company in Putian received a timely loan of 14.5 million yuan, which has boosted its confidence in overseas competition amid complex foreign trade conditions [3]. - The fiber company, part of the Singapore Golden Eagle Group, produces 300,000 tons of cellulose fiber annually, primarily exporting to the EU and Southeast Asia, and is recognized as a leading enterprise in Fujian [3]. - ABC Fujian Putian Branch has tailored a comprehensive financial service plan for enterprises facing challenges such as prolonged payment cycles and increased exchange rate risks, approving a credit loan of 100 million yuan to support their adaptability [3]. Group 3: Efficiency in Cross-Border Settlements - After obtaining AEO certification, ABC opened a green service channel for a tire manufacturing company, expediting the review of over 400 document information and completing fund settlements of 1.09 billion yuan in a short time, significantly improving fund turnover efficiency [4]. - The tire company, a global leader in its industry, has seen an 18% year-on-year increase in overseas orders and a 22% rise in exports to the Middle East [4]. - ABC Fujian Putian Branch is committed to enhancing cross-border settlement efficiency by understanding enterprise operations and trade backgrounds, providing customized financial solutions, and simplifying processes to accelerate settlements [5]. Group 4: Future Plans - The branch plans to deepen its "one enterprise, one policy" service matrix, driving support through a combination of settlement, financing, and services to provide comprehensive financial backing for foreign trade enterprises [5].