Core Viewpoint - Jincheng Bank is leveraging big data and artificial intelligence to enhance its financial services, focusing on cross-border RMB settlement and digital financial services, with a target of exceeding 20 billion RMB in cross-border settlements by 2024 [1][2]. Group 1: Financial Innovation and Digital Services - Jincheng Bank has established a cross-regional financial service network, utilizing digital technology to support small and micro enterprises while exploring diversified business development [2]. - The bank has created a cross-border RMB settlement network across Southeast Asia, South Asia, and Central Asia, supporting key projects like the China-Europe Railway Express [2]. - The bank's digital capabilities allow for fully online cross-border RMB payment services, achieving global settlement networks with second-level clearing [3]. Group 2: Strategic Partnerships and Initiatives - In preparation for the Shanghai Cooperation Organization Tianjin Summit, Jincheng Bank upgraded its cross-border financial digital system to enhance data processing and transmission efficiency [4]. - The bank has partnered with a major study abroad service provider to launch a "Youth Study Support Program," aiming to provide low-cost payment services for 100,000 students over three years [4]. Group 3: Operational Framework and Risk Management - Jincheng Bank has developed five key systems to ensure the smooth operation of cross-border financial services, including customer management, payment settlement, risk control, data reporting, and intelligent operations [5]. - The bank integrates its core system with international and domestic clearing networks to create a high-availability, low-latency cross-border payment capability [6]. - The bank employs advanced technologies like big data and artificial intelligence for real-time monitoring and risk management, ensuring data security and stable operations [6].

1917年，金城银行挂起金字招牌。2025年，作为天津百年本土品牌，正以一组全新成绩单向世界报到。 已连续两年入围全球数字银行前30强，人民币跨境结算规模已超200亿元，同时为海外电商平台的中国 卖家回款超100亿元。从"老金城"到"新丝路"，百年传承与时代脉搏在同一座城市交汇，勾勒出天津金 融对外开放的新剪影。 打造跨境金融新基建 "金城银行的金路通产品体系让我们实现了海外电商平台的高效回款。"北京某从事家居用品跨境业务的 张经理表示，之前业务一直被海外电商平台的收款问题困扰，货款回流周期长，汇率波动风险高，资金 周转压力大。"金路通"服务，通过全线上化系统，让公司短短几天就能完成从平台销售到人民币入账的 全流程，不仅大幅提升了资金效率，还能通过汇率避险工具稳健财务，目前公司正规划进一步拓展海外 市场。 据介绍，该行"金路通"产品体系已累计服务像张经理这样的中国卖家收回货款超过100亿元，切实支持 了中小企业在海外市场的拓展与成长。该产品体系以大数据、人工智能等金融科技为核心支撑，实现了 从贸易单据自动核验、智能汇率避险到一体化资金结算的全流程线上化操作，显著提升了中国卖家在海 外电商平台的跨境收款效率与安 ...

上合组织相关国家结算规模 占比超6成 近年来，金城银行积极运用金融数字科技手段，实现了银行自身的高质量发展，在重点支持实体小微企 业、提供数字普惠金融的同时，也在持续探索多元化业务发展方向。 基于中国进出口贸易连年上升，更多国家和业务加入"双边本币结算"行列，以及中国企业出海趋势良好 的宏观大背景，金城银行依托天津作为京津冀及"三北"地区海上门户和"一带一路"海陆交汇点的地理优 势，在人民银行天津分行的指导下，用足用好跨境人民币便利化政策和自贸区金融创新政策，发挥数字 科技优势，持续探索数字跨境金融服务。 据了解，金城银行积极参与上合组织成员国、观察员国、对话伙伴国的金融合作，持续深化区域协同， 构建"一带一路"金融生态圈，推动建立跨区域金融服务网络。通过"本外币、境内外、离在岸"一体化服 务，金城银行搭建了东南亚、南亚和中亚等地区的跨境人民币结算网络，支持中欧班列和贸易新业态等 重点项目落地。 2024年，金城银行人民币跨境结算规模突破200亿元，其中对上合组织成员国、观察员国、对话伙伴国 的结算占比超过60%。 全数字化、纯线上跨境金融服务 8月31日-9月1日，2025年上海合作组织峰会在天津召开，这是 ...