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8月6日下午，中国人民银行宁波市分行召开2025年上半年宁波市金融运行情况新闻发布会。中国人民银行宁波市分行副行长周豪，货币信贷政策管理处处长金小平、统计研究处副处长董建凤、国际收支处副处长项秀强出席并回答记者提问。以下为文字实录。 人民银行宁波市分行办公室副主任 陆雪莲： 各位媒体朋友们，大家下午好！感谢大家参加2025年上半年宁波市金融运行情况新闻发布会。上半年，全市金融系统持续稳固对经济增长的金融支持，助力宁波市GDP同比增长5.1%。相信大家对上半年宁波市金融运行情况、一揽子货币政策落地、金融“五篇大文章”推进情况及下一步工作安排都非常关心。今天我们邀请了中国人民银行宁波市分行副行长周豪，货币信贷政策管理处处长金小平、统计研究处副处长董建凤、国际收支处副处长项秀强，请他们介绍相关情况。今天参加发布会的有浙江日报、宁波日报、宁波电视台等7家媒体代表，感谢大家长期以来对人民银行工作的关心和支持！下面进行发布会第一个环节，请人民银行宁波市分行副行长周豪介绍2025年上半年宁波市金融运行情况，大家欢迎。 人民银行宁波市分行副行长 周豪： 各位媒体朋友：大家下午好！感谢大家对宁波金融工作的关心和支持。下面由我代表中国人民银行宁波市分行、国家外汇管理局宁波市分局，介绍2025年上半年宁波市金融运行情况。2025年上半年，全市金融系统坚持以习近平新时代中国特色社会主义思想为指导，认真贯彻落实党中央、国务院和中国人民银行、国家外汇管理局决策部署，落实好适度宽松的货币政策，迅速落地一揽子货币政策措施，扎实推进金融“五篇大文章”，持续深化金融改革创新，坚定不移推进高水平对外开放，全力支持宁波社会经济高质量发展。 一、上半年宁波市金融运行情况 上半年，宁波市金融运行呈现总体平稳、总量合理增长、结构持续优化的态势。 金融总量合理增长。6月末，我市社会融资规模存量6.1万亿元，同比增长8.3%，与经济增长、价格总水平预期目标相匹配。我市各项贷款余额4.5万亿元，较年初新增2818亿元，余额同比增长9%。 信贷结构进一步优化。从主体看，企（事）业单位是信贷增长的主体，贷款增加2940.6亿元；从投向看，基础设施业、金融“五篇大文章”等重点领域贷款增幅均高于各项贷款增速。上半年，基础设施类贷款增加1091.7亿元，余额同比增长11.8%。 综合融资成本稳中有降。6月，全市新发放企业贷款加权平均利率3.17%，同比下降0.46个百分点；新发放个人住房贷款利率3.04%，同比下降0.36个百分点。一系列降息措施预计每年为我市市场主体节约利息支出约44亿元。 二、落实落细一揽子货币政策措施 5月7日，人民银行总行宣布一揽子货币政策措施，我分行迅速行动，第一时间争取地方政府支持，加强对金融机构的部署和指导，各项政策措施落地见效。 落实好适度宽松的货币政策，保持金融供给充裕。下调存款准备金率0.5个百分点，释放长期资金193亿元，增加贷款投放能力1600亿元。上半年，中央银行各类政策工具投放余额达到560亿元，同比增长15.1%。同时，进一步拓宽企业融资渠道，全市发行债务融资工具182.8亿元，同比增长40%。建立“分层培育”机制，力促债券市场“科技板”成功落地，推动发行全省首单民企中长期科创债6亿元，支持宁波银行发行科创金融债券30亿元。推动结构性政策工具增量扩面，强化重点领域支持。用活传统再贴现工具，聚焦“五篇大文章”领域推出“甬贴通”再贴现机制，上半年再贴现投放金额30.9亿元，同比增长182.1%。用足长期性政策工具，落实浙江省分行“三个200亿”专项行动，精准支持稳外贸、促消费、强科创，支农支小再贷款限额使用率100%。用好重点领域创新工具，政策期内科技创新和技术改造再贷款审批通过金额57.3亿元，居全省第一。 畅通利率政策传导，切实降低融资成本。注重发挥利率工具的调控作用，引导金融机构将政策利率下调成效传导至存贷款两端，促进社会综合融资成本稳中有降，保持银行净息差基本稳定。强化利率政策执行和监督，整治利率违规行为，强化利率自律管理，防范资金空转，提高资金使用效率。 三、扎实做好金融“五篇大文章” 完善金融“五篇大文章”政策体系，部署开展“金火炬”“数字甬金”“金色乡村”专项行动和“民营经济服务月”等活动，全面提升对重点领域和薄弱环节的金融支持力度。 迎难而上，推进科技金融。开展宁波“金火炬”科技金融三年专项行动，以“金火炬”科技金融综合服务签约为先导，着眼风险收益跨期平衡、综合服务全程陪伴，推动银企签约112对，授信金额65亿元，七成以上为初创、成长期企业。以创新产品为主体，推广“甬新贷”“小银团”、投贷联动等10项金融服务，上半年共发放贷款435亿元，发行民企科创债6亿元、科技金融债30亿元。以甬江科创金融服务联盟为纽带，开展银、投、债、保等机构共同参与的活动11场。完善激励约束机制，开展专项评估，推动金融机构强化组织架构、人才队伍和制度建设的“管理内核”和风险识别的“能力内核”。 稳中求进，发展绿色金融。用好碳减排支持工具，6月末，全市已累计落地碳减排支持工具资金81亿元，发放碳减排贷款188.4亿元，带动碳减排301.4万吨。加强与市经信局、市生态环境局等部门的工作协同和信息共享，梳理绿色企业、绿色园区、绿色供应链管理企业等2000余家，组织开展融资对接，提高服务针对性和有效性。加强环境权益类抵质押融资创新，探索推广排污权、碳排放配额、碳汇资源等抵质押贷款，引导盘活生态产品价值；支持金融机构创新开展ESG挂钩贷款投放，以动态利率激励的方式助推企业绿色转型。截至6月末，绿色贷款余额6623亿元，比年初增加849.9亿元。 广泛覆盖，深化普惠金融。开展“民营经济金融服务月”，组织金融机构进行“大走访、大对接、大服务”，为超2万户民营经济主体发放贷款668亿元。深入推进小微金融服务能力提升工程，开展“首贷户拓展”“信用融资破难”等行动，提高小微主体首贷、信用贷占比，6月末，全市普惠小微贷款余额8026.5亿元，同比增长12.2%；上半年累计拓展小微企业“首贷户”6301家。开展金融支持乡村全面振兴“金色乡村”三年行动，围绕缩小城乡差距、地区差距和收入差距“三大差距”重点任务，实施“强基、兴业、富民、促治”四大工程。6月末，农村金融创新产品余额985.8亿元，同比增长18.8%。 增进福祉，开展养老金融。加强政策引导，联合市委金融办等部门制定养老金融高质量发展行动方案，提升养老金融服务水平；推动出台提振和扩大消费专项行动实施方案，强化配套政策保障。发挥专项工具撬动作用，服务消费与养老再贷款推出后，引导、督促金融机构用好政策，为相关领域市场主体提供低成本资金支持，6月末，金融机构已为相关市场主体发放贷款49.8亿元。 技术赋能，做优数字金融。开展宁波市“数字甬金”数字金融高质量发展行动，以数据要素和数字技术为关键驱动，加快推进金融机构数字化转型，增强金融服务的便利性和竞争力，目前金融“五篇大文章”领域共有数字化信贷产品68款，实行全流程线上化，上半年发放贷款1170亿元。6月末，数字经济产业贷款余额1242.8亿元，同比增长11%。 四、持续深化外汇领域改革创新 一方面，外汇便利政策和金融服务持续升级。跨境贸易投资高水平开放试点增量提质，试点优质企业增至1200家，中小企业、专精特新企业占比分别提升至73%、18%；上半年共办理试点业务22万笔、350亿美元，同比分别增长48%、35%。跨国公司本外币一体化资金池试点纵深推进。3家试点跨国公司覆盖境内外45家成员企业，累计归集外债额度127.7亿美元、境外放款额度52.3亿美元，为企业节约综合财务成本超600万美元。同时，积极探索场景突破，如“龙头船代企业+下游货代企业”模式下，银行对接龙头船代企业的发票信息，下游中小货代企业享受跨境结算手续简化等；“优质企业+个人用汇”模式下，优质企业贸易便利化政策可以扩大至员工用汇，便利跨境往来人员支付等。 另一方面，加大对涉外企业的定向支持与帮扶。强化资金保障，第一时间成立工作专班，单列100亿元支农支小再贷款专项额度用于稳外贸，自5月政策推出以来，带动法人银行新增外贸领域的符合条件贷款307.14亿元，惠及市场主体超5000家。联合市财政局等部门推出“薪资贷”专项产品，为89家出口企业提供授信5.8亿元。支持企业规避汇率风险，推出“四大奖补”政策，上半年全市外汇衍生品签约金额同比增长55.7%，套保率达27.9%，同比提高10.8个百分点。推动跨境人民币增量扩面，上半年跨境人民币结算量同比增长10%，拓展跨境人民币首办户766户，其中，与中东欧跨境人民币结算39.8亿元，同比增长135%。支持贸易新业态发展，持续优化“外贸综合服务企业+跨境电商”模式，上半年共办理相关业务1042.1万笔、2.7亿美元，为跨境电商企业节约成本490万元。 人民银行宁波市分行办公室副主任 陆雪莲： 谢谢周行长。刚才，周行长从四方面介绍了2025年上半年宁波市金融运行情况，相信大家对相关工作已经有了较为全面的了解。下面进行发布会的第二个环节，欢迎在座的各位媒体朋友围绕今天的主题提问。 浙江日报宁波分社记者： 债券市场“科技板”是今年5月人民银行总行发布的一揽子货币政策措施中的一项重要内容，请问，人民银行宁波市分行在推动该政策落地方面采取了哪些措施？下半年有哪些打算？ 人民银行宁波市分行副行长 周豪： 感谢您的提问。设立债券市场“科技板”是金融支持科技创新的重要举措，对促进科技企业发展、完善资本市场结构、推动经济转型升级具有重要意义。 债市“科技板”推出以来，我分行充分发挥宁波作为“制造业单项冠军之城”的优势，全力支持科技企业发债融资，帮助企业拓宽直接融资渠道。一是构建分层培育机制。根据“单项冠军”企业、“专精特新”中小企业、宁波创业创新风云榜等优质民营企业名单，将我市208家重点民营科创企业划分为“推动实现层”、“精选培育层”和“宣传引导层”，建立发债企业分层精选培育机制，组织承销银行多层次对接。二是强化宣传推广。组织召开债券市场“科技板”宁波推广会，邀请交易商协会、中债信用增进投资公司等专家到宁波，为60多家优质科技型企业、股权投资机构开展政策解读和专业培训，助力企业深入了解相关政策。三是加强上门走访对接。对“推动实现层”中发债意愿强烈的企业，与承销银行一起逐家上门对接，结合企业实际情况和融资诉求，“一企一策”制定专属方案，并全程跟进发债进度。四是加强与政府部门联动协同。我们多次与市委金融办、市财政局、市科技局、市融担公司等部门对接沟通，就财政贴息、增信担保等政策多次协商。 目前，债市“科技板”项目逐步落地。5月26日韵达股份发行全省首单民企中长期科技创新债券6亿元，7月8日宁波银行发行科创金融债30亿元，募集资金专项用于发放科技贷款、支持科技相关产业贷款以及投资科技创新债券等领域。 下一步，我们将持续做好债券市场“科技板”扩面增量工作。进一步加强与政府部门沟通协调，推动符合条件的金融机构、科技型企业、股权投资机构发行科技创新债券，力争三类主体全覆盖，推动发行主体数量增加、发行总量扩容。 宁波日报记者： 5月7日，人民银行总行决定增加科技创新和技术改造再贷款额度3000亿元，支持加力扩围实施“两新”政策，请问该政策在宁波的成效如何？ 人民银行宁波市分行货币信贷政策管理处处长 金小平： 我来回答您的问题。人民银行总行于2024年4月创设了科技创新和技术改造再贷款，并在2025年进一步优化升级，将总额度由5000亿元扩大至8000亿元，同时把属于系统重要性金融机构的五家城商行纳入政策支持对象，将电子信息、设施农业、安全生产等领域纳入政策支持范围。 今年以来，我分行抢抓政策窗口机遇，指导金融机构做好项目储备，对清单内科技型企业和备选项目实现对接全覆盖。针对银行机构在申请科技创新和技术改造再贷款过程中遇到的问题，积极响应和解答，对重点企业“一企一策”加快贷款投放，全力支持科技型中小企业发展，以及重点领域的技术更新和设备更新项目。截至6月末，全市清单内科技创新和技术改造贷款签约金额632亿元，贷款余额289亿元，均居全省第一。 同时，我们强化与地方政府部门的协同。在科技创新和技术改造再贷款工具推出后，市财政局、市经信局也发布了贴息政策。我分行第一时间与市财政局共享科技创新和技术改造再贷款审批通过清单，统筹推进政策资金落地，切实为企业降低融资成本。6月末，我市金融机构通过设备更新和技术改造再贷款审批57.3亿元，已获得中央贴息资金2400余万元，地方贴息资金870余万元。 宁波晚报记者： 请问上半年我市社会融资规模和“五篇大文章”领域融资有何特点？ 人民银行宁波市分行统计研究处副处长 董建凤： 感谢您的提问。今年以来，我分行落实适度宽松的货币政策，实施一揽子金融支持举措，持续稳固对经济高质量发展的金融支持。从上半年数据看，融资总量平稳增长，“五篇大文章”领域信贷支持精准、有效。 融资总量保持平稳增长。上半年，我市社会融资规模增量3040.8亿元，余额同比增长8.3%。分融资渠道看：一是信贷支持力度稳固。金融机构对实体经济发放的人民币贷款新增2840.6亿元，其中企（事）业单位中长期贷款增加1288.3亿元，金融持续为实体经济提供稳定的资金来源。二是金融体系配合财政持续发力。政府债券融资增加544.2亿元，同比多增268.1亿元，占社会融资规模的17.9%。三是表外融资收缩。信托贷款、委托贷款和未贴现的银行承兑汇票合计减少549.8亿元。 “五篇大文章”领域贷款呈现“量增、面扩”的态势。做好金融“五篇大文章”是金融服务实体经济高质量发展的重要着力点，也是深化金融供给侧结构性改革的重要内容。我分行持续加大对“五篇大文章”领域的信贷支持力度。6月末，我市科技贷款余额7618.9亿元，同比增长10.7%，其中科技型企业和科技相关产业贷款余额分别为4256.3亿元、5760.8亿元；绿色贷款余额6623亿元，比年初增长14.7%，其中绿色产业和绿色消费贷款余额分别为6190.2亿元和293.2亿元；普惠贷款余额8337.3亿元，同比增长11.2%；养老和数字贷款同比分别增长64.1%、11.0%。这些领域的贷款增速均高于同期各项贷款增速。科技、绿色、普惠领域获贷企业分别较上年末增加1239户、1156户和6387户，金融支持的精准性和有效性持续增强。 浙江之声记者： 近年来，外汇局宁波市分局持续推进跨境贸易和投融资便利化，积极探索“放得活，管得住”的外汇管理体制机制。能否介绍一下具体情况，为企业带来哪些红利？ 人民银行宁波市分行国际收支处副处长 项秀强： 感谢您的提问。我们主要做了以下几个方面的工作。 一是集成式推动外汇创新，深化跨境贸易投资高水平开放。在试点扩容上，聚焦金融“五篇大文章”精准施策，试点优质企业增至1200家，上半年试点业务笔数、金额同比分别增长48%、35%。在试点提质上，探索“外汇便利化＋”的模式。落地“外贸综合服务企业+跨境电商”“龙头船代企业+下游货代企业”“优质企业+个人用汇”等组合方案，支持政策集成发力。在新试点突破上，今年6月，宁波作为全国首批试点城市，落地了新型离岸国际贸易业务背景核验应用场景试点，通过引入国际货物运输等物流数据，帮助银行拓宽贸易背景核验渠道，破解真实性审核难题。试点以来已支持57家企业完成收付汇近9亿美元。 二是积极落地银行外汇展业改革。银行外汇展业改革，是“越诚信越便利，越合规越自主”外汇政策体系中的重要一环，有助于实现提高效率和防控风险的更好结合。今年以来，我们“一对一”辅导宁波银行将展业改革扩围至全部分支机构，使其成为全国首家全面扩围的中资银行，并指导10家银行启动改革，扩大政策惠及面。 对企业而言，改革政策红利体现为“两个升级”：一方面是便利度升级，通过优化银行外汇业务审核方式、展业流程和提升数字化服务水平等，原先需要逐笔审核的业务办理平均时间缩短50%以上，企业可以更高效、安全地完成业务办理；另一方面是更加开放，试点拓展了业务边界，一些原先不能做的业务，在试点条件下可以做了。如融资租赁母子公司共享外债额度试点，解决了“轻资产”的子公司因自身外债额度不足无法借外债的问题，为企业跨境融资提供了新路径。 宁波电视台记者： 宁波市外贸依存度较高，企业应对汇率波动的需求较大，请问外汇局宁波市分局采取了哪些措施来帮助企业规避汇率风险？ 人民银行宁波市分行国际收支处副处长 项秀强： 感谢您的提问。为了帮助企业提升应对汇率风险的能力，我们今年以来在优化奖补、多元宣传、科技赋能等方面做了一些工作。一是四项奖补政策全面落地。在已有的政府性融资担保等三项奖补的基础上，成功落地中小外贸企业买入期权业务费用补助政策，对符合条件的业务，财政补助30%，银行承担40%，全面降低企业汇率套保成本。二是多形式宣导汇率风险中性理念。通过举办银行劳动竞赛、开展现场培训，组织银行定向走访服务企业2.4万余家次，持续深化企业对汇率风险管理的认知。上半年全市外汇衍生品签约增长55.7%，套保率同比提高10.8个百分点。三是科技赋能推动外汇衍生品业务高效办理。作为全国首批试点分局，我们于今年6月创新推出“衍生品业务担保增信签约”试点，通过线上化担保签约、优化风险分担等数字化手段，为企业提供更便捷、低成本的汇率避险服务。 人民银行宁波市分行办公室副主任 陆雪莲： 感谢各位媒体朋友的提问，由于时间关系，现场提问环节到此结束。下一步，人民银行宁波市分行将认真贯彻党中央、国务院金融决策部署，为宁波经济高质量发展营造良好的货币金融环境。今天的新闻发布会就到这里，谢谢大家。 2025-09-02/ningbo/2025/0902/2411.html
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日前，国家外汇管理局发布《国家外汇管理局关于深化跨境投融资外汇管理改革有关事宜的通知》（汇发〔2025〕43号，以下简称《通知》），国家外汇管理局副局长、新闻发言人李斌就《通知》相关内容回答了记者提问。 问：《通知》出台的背景是什么？ 答：为贯彻党的二十届三中全会精神，落实中央金融工作会议关于做好金融“五篇大文章”的决策部署，近年来，国家外汇管理局按照系统集成、稳妥有序的思路持续深化改革、扩大开放，在充分调研了解银行、企业、个人有关外商直接投资（FDI）、跨境融资、资本项目收入支付等外汇业务意见建议的基础上制定《通知》，不断提升跨境投融资便利化水平，助力吸引和利用外资，促进金融服务实体经济高质量发展。 问：《通知》在深化外商直接投资（FDI）外汇管理改革方面有哪些安排？ 答：一是取消外商直接投资（FDI）前期费用基本信息登记。境外投资者在境内设立FDI企业前需要汇入前期费用的，可直接开立相关账户并汇入资金。 二是取消FDI企业境内再投资登记。FDI企业以外汇资本金及其结汇所得人民币资金开展境内再投资，被投资企业或股权出让方无需办理接收境内再投资登记，相关资金可直接划转至相关账户。此项政策前期已在部分省市试点，运行良好，现推广至全国实施。 三是允许FDI项下外汇利润境内再投资。明确FDI企业境内合法产生的外汇形式利润、境外投资者合法取得的外汇利润，可以在境内进行再投资。 四是便利非企业科研机构吸引利用外资。明确境内非企业科研机构接收境外资金，参照FDI企业办理相关登记和汇兑手续。此为前期在部分省市实施的“科汇通”试点，现推广至全国。 问：《通知》在深化跨境融资外汇管理改革方面有哪些具体举措？ 答：一是扩大科创类企业跨境融资便利，将全国范围内高新技术、“专精特新”和科技型中小企业跨境融资便利化额度统一提高至等值1000万美元，将部分依托“创新积分制”遴选的符合条件的企业的跨境融资便利化额度提高至等值2000万美元。 二是简化参与跨境融资便利化业务的企业签约登记管理要求，不再要求相关企业在签约登记环节提供上一年度或最近一期经审计的财务报告。 问:《通知》在资本项目收入支付方面带来哪些便利？ 答：一是缩减资本项目外汇收入及其结汇所得人民币在境内支付使用的负面清单，取消不得用于购买非自用住宅性质房产的限制。 二是优化资本项目外汇收入支付便利化业务。允许银行依据客户合规经营情况和风险等级等，自行决定事后随机抽查的比例和频率，提升企业便利化业务体验，助力优化外资来华投资兴业环境。 三是便利境外个人境内购房结汇支付。将在粤港澳大湾区试点实施的港澳居民购房结汇支付便利推广至全国。境外个人在满足房地产主管部门和各地购房资格条件下，可以在取得房地产主管部门的购房备案证明文件之前，凭购房合同或协议先行在银行办理购房所涉外汇资金结汇支付，后续再向银行补交购房备案证明文件。 问：缩减资本项目外汇收入及其结汇所得人民币在境内支付使用的负面清单有何考虑？ 答：现行资本项目外汇收入及其结汇所得人民币在境内支付使用的负面清单中，包括不得用于购买非自用的住宅性质房产。该项政策是在房地产市场过热背景下，各部门先后出台一系列针对房地产企业和行业的调控政策。国家外汇管理局从防范“热钱”投机炒作角度，配合出台了“非房地产企业的资本金、外债等资金不得用于建设、购买非自用房地产”的措施，为房地产市场阶段性平稳健康发展发挥了积极作用。 近年来，国内房地产市场形势已发生变化，房地产行业相关宏观调控措施已优化调整。基于此，相关外汇管理措施有必要加以优化调整，以适应新形势新要求，助力房地产市场稳健发展。 问：优化境外个人境内购房结汇支付政策有何考虑？ 答：《通知》出台前，境外个人境内购房办理资金结汇支付，需提供房地产主管部门出具的购房备案证明文件，而房地产企业或二手房出让方通常要求先收到首付款才办理网签。为解决业务实际办理中的困难问题，在深入调研基础上，国家外汇管理局针对港澳居民在粤港澳大湾区内地城市购房试点实施“先结后补”便利措施，即购房者在取得房地产主管部门的购房备案证明文件之前，可先凭购房合同或协议先行办理结汇支付，后续再补交备案证明文件。相关试点取得积极反响和效果。 为满足更多境外个人在境内工作、生活等合理购房需求，推动区域融合和人才流动，国家外汇管理局此次将粤港澳大湾区试点实施的结汇支付便利化政策推广至全国。需要强调的是，境外个人境内购房结汇支付便利仅是在银行办理资金结汇支付时的审核程序优化，并未改变现行境外个人境内购房政策。享受政策便利的前提是境外个人符合房地产主管部门和各地购房资格条件。 2025-09-17/ningbo/2025/0917/2419.html
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国家外汇管理局各省、自治区、直辖市、计划单列市分局，各全国性中资银行： 为深入贯彻党的二十届三中全会精神，落实党中央、国务院决策部署，扩大高水平开放，服务经济高质量发展，国家外汇管理局决定深化跨境投融资外汇管理改革，进一步提升跨境投融资便利。现将有关事项通知如下： 一、深化跨境投资外汇管理改革 （一）取消境内直接投资前期费用基本信息登记。境外投资者在境内设立外商投资企业前需要汇入前期费用的，可以直接在银行开立前期费用账户并汇入前期费用资金，无需在开户前办理前期费用基本信息登记。 （二）取消外商投资企业境内再投资登记。在不违反外商投资准入特别管理措施且境内所投项目真实、合规前提下，外商投资企业以外汇资本金及其结汇所得人民币资金开展境内再投资，被投资企业或股权出让方无需办理接收境内再投资基本信息登记及变更登记，境内再投资资金可以直接划至相关账户。 （三）允许外商直接投资项下外汇利润境内再投资。外商投资企业境内合法产生的外汇形式利润、境外投资者合法取得的外汇利润开展境内再投资，相关外汇资金可以划入被投资企业的资本金账户或股权出让方的资本项目结算账户，资金使用按照相关账户管理要求办理。 （四）便利境内非企业科研机构接收境外资金。境内非企业科研机构接收境外资金的，参照外商直接投资办理外汇登记及账户开立、资金汇兑等手续；非企业科研机构使用境外汇入外汇资金及其结汇所得人民币资金进行境内再投资的，参照外商直接投资境内再投资办理；非企业科研机构符合条件可参与资本项目收入支付便利化政策。 二、深化跨境融资外汇管理改革 （五）扩大跨境融资便利。全国范围内符合条件的高新技术、“专精特新”和科技型中小企业，可在不超过等值1000万美元额度内借用外债。其中，有关部门依托“创新积分制”遴选的符合条件的企业，可在不超过等值2000万美元额度内借用外债。 （六）简化跨境融资便利化业务登记管理要求。参与跨境融资便利化业务的企业，在签约登记环节不再要求提供上一年度或最近一期经审计的财务报告。 三、优化资本项目收入支付便利化政策 （七）缩减资本项目收入使用负面清单。非金融企业资本金、外债项下外汇收入及其结汇所得人民币资金使用遵循真实、自用原则。不得直接或间接用于国家法律法规禁止的支出；除另有明确规定外，不得直接或间接用于证券投资或其他投资理财（风险评级结果不高于二级的理财产品及结构性存款除外）；不得用于向非关联企业发放贷款（经营范围明确许可的情形除外）。 （八）优化资本项目外汇收入支付便利化业务。银行在统筹便利化服务和风险防范前提下，可以依据客户合规经营情况和风险等级等自行决定便利化业务事后随机抽查的比例和频率。 （九）便利境外个人境内购房结汇支付。境外个人在满足房地产主管部门及各地购房资格条件下，可以在取得房地产主管部门的购房备案证明文件之前，凭购房合同或协议先行在银行办理购房所涉外汇资金结汇支付，后续再向银行补交购房备案证明文件。境内购房结汇支付便利不改变境外个人境内购房政策。 上述政策具体操作见附件《深化跨境投融资外汇管理便利化政策操作指引》（以下简称《指引》）。 银行应按照展业原则对上述跨境投融资及资本项目收入支付便利化业务加强事后监测，为真实合规的跨境投融资提供便捷高效的跨境资金结算服务，异常可疑情况及时报告。各省、自治区、直辖市、计划单列市分局应加强事中事后监管与核查检查，指导银行、企业合规开展业务。 企业和银行未按照本通知及《指引》办理的，外汇局可以依据《中华人民共和国外汇管理条例》进行处罚。 本通知自发布之日起实施。《国家外汇管理局关于支持高新技术和“专精特新”企业开展跨境融资便利化试点的通知》（汇发〔2022〕16号）同时废止。以前规定与本通知不符的，以本通知为准。各分局接到本通知后，应及时转发辖内地市分局、城市商业银行、农村商业银行、外资银行、农村合作银行。 特此通知。 附件：深化跨境投融资外汇管理便利化政策操作指引 国家外汇管理局 2025年9月12日 2025-09-17/ningbo/2025/0917/2414.html
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“感觉浙江宁波很贴心，我一出来就看到了！”来自中国台湾的洪女士在宁波栎社国际机场综合服务站前由衷赞叹。随后，来自布达佩斯的斯蒂芬将500欧元兑换成人民币，用护照办理了一张宁波移动“畅游卡”，他和伙伴的行李通过二维码下单“行李轻松游”服务，将在4小时内直接送至酒店......6月下旬，机场综合服务站试运行，首批接待的外籍客人纷纷点赞。作为外籍人士入甬的第一站，这里切实解决了他们支付、出行、通讯、交流等方面的难题。 聚焦集成性 升级服务能力 2025年以来，在已有的宁波栎社国际机场省级优质服务区的基础上，人民银行宁波市分行协同多个政府部门，共同打造了栎社机场入境游综合服务站。站点聚合了支付业务、通信业务、交通出行、行李运送、文旅问询、保险服务等六大便利服务模块。服务中心的营业时间覆盖国际航线，立足外籍人士入境首站的相关场景，精准破解显性痛点，前瞻满足隐性需求，服务功能实现了突破性升级。 突出便捷性 释放消费潜力 在机场离境退税服务点的基础上，人民银行宁波市分行全力协调金融机构，为“即买即退”商店提供外卡收单服务，助推宁波辖区落地实施离境退税“即买即退”服务。强化机场离境退税服务点与“即买即退”商户的联动，享受“即买即退”服务的外籍客人，后续在机场退税服务点简单确认后，即可便捷候机离境；也可在服务点进行现金退税，获得的人民币现金还能继续在候机厅消费。目前，配合税务、文旅等部门，已推出9家“即买即退”商店。与此同时，引导离境退税代理机构为退税商店提供充足小额零钱保障，创新推出“专用零钱包”服务模式，受到外籍客人的高度赞誉。 强化长效性 巩固提升支付服务环境 以栎社机场入境游综合服务站建成为契机，人民银行宁波市分行积极协调机场商户管理公司，持续巩固机场内航空售票、空港巴士、零售商店外卡受理功能100%全覆盖的建设成果。在宁波辖内探索建立三层级巡检机制，指导重点机构常态化做好机场商户、自助机具、外币兑换设施的精细化运维管理，确保POS终端及外币兑换自助机具状态正常、标识清晰、服务人员培训到位。指导入驻的货币兑换公司将人工兑换币种扩充至22种，并支持线上预约、线下取钞的便捷模式。目前，栎社机场外卡商户数已由示范区建成初期的38个增至59个，覆盖“食、行、游、购、娱”等高频消费场景，重点商户均支持受理银行卡、移动支付和现金等支付方式。 2025-09-02/ningbo/2025/0902/2410.html
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为深入贯彻党的二十届三中全会精神，落实党中央、国务院决策部署，扩大高水平开放，服务经济高质量发展，日前，国家外汇管理局发布《国家外汇管理局关于深化跨境投融资外汇管理改革有关事宜的通知》（汇发〔2025〕43号，以下简称《通知》）。《通知》主要内容： 一是深化跨境投资外汇管理改革。取消外商直接投资前期费用基本信息登记。取消外商投资企业境内再投资登记，将在部分省市试点的外商投资企业境内再投资免登记政策扩大至全国。允许外商直接投资项下外汇利润境内再投资。将在部分省市试点的境内非企业科研机构接收境外资金（“科汇通”）政策扩大至全国，便利非企业科研机构吸引利用外资。 二是深化跨境融资外汇管理改革。扩大跨境融资便利，将高新技术、“专精特新”和科技型中小企业的跨境融资便利化额度统一提高至等值1000万美元。将部分依托“创新积分制”遴选的符合条件的企业的跨境融资便利化额度进一步提升至等值2000万美元。简化相关登记管理，对于参与跨境融资便利化业务的企业,在签约登记环节不再要求提供上一年度或最近一期经审计的财务报告。 三是优化资本项目收入支付便利化政策。缩减资本项目收入使用负面清单，取消不得用于购买非自用住宅性质房产限制。优化资本项目外汇收入支付，允许银行在统筹便利化服务和风险防范前提下，依据客户合规经营情况和风险等级等自行决定便利化业务事后随机抽查的比例和频率。允许境外个人在满足房地产主管部门及各地购房资格条件下，在取得房地产主管部门的购房备案证明文件之前，凭购房合同或协议先行在银行办理购房所涉外汇资金结汇支付，后续再向银行补交购房备案证明文件，便利境外个人境内购房结汇支付。境内购房结汇支付便利不改变境外个人境内购房政策。 下一步，国家外汇管理局将持续推进外汇领域改革开放，支持经营主体合法合规的跨境投融资活动，更好服务实体经济高质量发展。 2025-09-17/ningbo/2025/0917/2418.html
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9月11日，为进一步提升县域外汇服务水平，引导县域企业加强汇率风险管理，我分局主办了“汇率避险·阿拉同行”余姚专场宣传活动，余姚市商务局、余姚市金融服务中心协办，余姚市企业代表40余人参加。 活动中，分局国际收支处派员重点讲解了汇率风险管理的意义、重点、注意事项和政策。活动还邀请了招行总行专家专题分析外汇市场形势，介绍了银行汇率避险产品及管理策略。 本次活动作为外汇与跨境政策“走进县域”系列宣讲活动、“汇率避险 阿拉同行”专题活动之一，进一步强化了市县两级金融政策协同，提升了企业汇率避险意识和水平。 2025-09-22/ningbo/2025/0922/2420.html
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国家外汇管理局统计数据显示，截至2025年8月末，我国外汇储备规模为33222亿美元，较7月末上升299亿美元，升幅为0.91%。 2025年8月，受主要经济体货币政策预期、宏观经济数据等因素影响，美元指数下跌，全球金融资产价格总体上涨。汇率折算和资产价格变化等因素综合作用，当月外汇储备规模上升。我国经济运行稳中有进，展现出强大韧性和活力，为外汇储备规模保持基本稳定提供支撑。 2025-09-08/ningbo/2025/0908/2413.html
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2025年7月，我国国际收支货物和服务贸易进出口规模44022亿元，同比增长4%。其中，货物贸易出口22076亿元，进口15484亿元，顺差6593亿元；服务贸易出口2651亿元，进口3811亿元，逆差1160亿元。服务贸易主要项目为：运输服务进出口规模1805亿元，旅行服务进出口规模1793亿元，其他商业服务进出口规模1078亿元，电信、计算机和信息服务进出口规模715亿元。 按美元计值，2025年7月，我国国际收支货物和服务贸易出口3459亿美元，进口2699亿美元，顺差760亿美元。 2025-09-02/ningbo/2025/0902/2409.html
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一图读懂｜浙江实施县域跨境金融服务三年行动 2025-09-02/ningbo/2025/0902/2412.html
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The branches and foreign exchange administrative departments of the State Administration of Foreign Exchange (SAFE) in all provinces, autonomous regions and municipalities directly under the Central Government; the SAFE branches in Shenzhen, Dalian, Qingdao, Xiamen, and Ningbo: For the purpose of carrying out the go-global strategy of development, promoting the healthy development of overseas direct investment of domestic institutions, implementing the balanced management of cross-border capital flows, and safeguarding the basic equilibrium in the balance of payments of China, the SAFE has formulated the Regulations on Foreign Exchange Administration of the Overseas Direct Investment of Domestic Institutions (hereinafter referred to as the Regulations) in line with the Regulations of the Peoples Republic of China on Foreign Exchange Administration and other relevant regulations. The Regulations are herein promulgated and shall take effect as of August 1, 2009. Please comply with the Regulations in handling the relevant businesses. On receiving this Circular, all SAFE branches and foreign exchange administrative departments shall transmit this Circular in a timely manner to all sub-branches, urban commercial banks, rural commercial banks, and foreign-funded banks under their administration. All Chinese-funded designated foreign exchange banks shall transmit this Circular in a timely manner to the branches under their administration. July 13, 2009 Regulations on Foreign Exchange Administration of the Overseas Direct Investment of Domestic Institutions Chapter ` General Provisions Article 1 In order to promote and facilitate the overseas direct investment activities of domestic institutions, standardize the foreign exchange administration of overseas direct investment, and promote a basic equilibrium in the balance of payments of China, these Regulations are hereby formulated in line with the Regulations of the Peoples Republic of China on Foreign Exchange Administration and other relevant regulations. Article 2 Overseas direct investment as stated in these Regulations refers to acts by domestic institutions wherein the domestic institutions establish or acquire rights or interests outside the territory of China, such as ownership, rights of control or business management rights of existing enterprises or projects by means of establishment (sole proprietorships, joint ventures, cooperative business operations), mergers and acquisitions, equity participation, and so forth after undergoing examination and receiving approval from the overseas direct investment authorities. Article 3 The State Administration of Foreign Exchange and its branches (hereinafter referred to as the Foreign Exchange Administrations) are responsible for implementing supervision and management over the foreign exchange receipts and payments and the foreign exchange registration arising from the overseas direct investment of domestic institutions. Article 4 Domestic institutions can make overseas direct investments with self-owned foreign exchange funds, domestic foreign exchange loans in conformity with the regulations, and foreign exchange purchased with RMB or tangible assets, intangible assets, and other foreign exchange assets examined and approved by the Foreign Exchange Administrations. Profits generated from the overseas direct investment of domestic institutions may also be retained overseas for the purpose of overseas direct investment. Self-owned foreign exchange funds referred to in the preceding paragraph include: foreign exchange funds in foreign exchange accounts under the current account, capital accounts of foreign-invested enterprises, and so forth. Article 5 The State Administration of Foreign Exchange can make adjustments to the relevant policies concerning the scope of the sources and management modes of the foreign exchange funds for the overseas direct investment of domestic institutions and the overseas retention of profits generated from their overseas direct investment according to the situation in Chinas balance of payments and the situation in Chinas overseas direct investment. Chapter a Foreign Exchange Registration and Outward Remittances of Funds for Overseas Direct Investment Article 6 The Foreign Exchange Administrations shall carry out a foreign exchange registration and recording system for overseas direct investments of domestic institutions and for assets and relevant rights and interests generated from such investments. Domestic institutions shall demonstrate the sources of the foreign exchange funds for their overseas investment when registering foreign exchange for overseas direct investment at the Foreign Exchange Administrations in their localities. Article 7 After undergoing examination and obtaining approval from the overseas direct investment authorities, domestic institutions shall register the foreign exchange for their overseas direct investment at the Foreign Exchange Administrations in their localities with the following materials: 1. Filing a written application and filling out the Application Form for Foreign Exchange Registration of Overseas Direct Investment (for the format of the form, please refer to Attachment 1); 2. Materials demonstrating the sources of the foreign exchange funds; 3. A valid business license or evidence of registration and the organizational code certificate of the domestic institution; 4. Approval documents or certificates that have been issued by the overseas direct investment authorities concerning the investments. 5. In cases where preceding expenses are remitted outward, the relevant documents explaining such remittances as well as evidence of such remittances shall be provided; 6. Other materials required by the Foreign Exchange Administrations. The Foreign Exchange Administrations shall register the relevant situations in the corresponding business systems after examining and verifying the said materials, and shall grant the domestic institutions a foreign exchange registration certificate for overseas direct investment. The domestic institutions shall handle the foreign exchange receipt and payment business under overseas direct investment through the use of the said registration certificate. Where one case of overseas direct investment is made collaboratively by a number of domestic institutions, the Foreign Exchange Administrations in the localities of the domestic institutions shall separately grant the relevant domestic institutions a foreign exchange registration certificate for overseas direct investment, and shall register the corresponding situations in the relevant business systems. Article 8 Domestic institutions shall complete the procedures for outward remittances of overseas direct investment funds at the designated foreign exchange banks by presenting to the banks the approval document and the foreign exchange registration certificate for overseas direct investment issued by the overseas direct investment authorities. The designated foreign exchange banks shall handle the procedures after examining the authenticity of the documents. The cumulative amount of money remitted outward by the designated foreign exchange banks for handling remittances for overseas direct investment funds for domestic institutions shall not exceed the total amount of foreign exchange funds for overseas direct investment registered in advance by these domestic institutions in the relevant business systems of the Foreign Exchange Administrations. Article 9 The domestic institutions shall, within 60 days after the occurrence of the following circumstances, handle the foreign exchange registration, the modification or recording procedures for overseas direct investment with a foreign exchange registration certificate for overseas direct investment, the approval document or recording document issued by the overseas direct investment authorities, as well as the relevant materials demonstrating the authenticity of such documents at the Foreign Exchange Administration in their localities: 1. When the domestic institution retains the profits generated from their overseas direct investment outside the territory of China and foreign exchange revenue under the capital account generated from capital reduction, equity conversion, liquidation, and so forth of overseas enterprises for the purpose of establishing, acquiring, or participating in the equity of unregistered overseas enterprises, shall complete the foreign exchange registration procedures for the said direct investment activities; 2. In case of any changes in the basic information of the registered overseas enterprises, such as an modification of the corporate name, terms of operation, JV and cooperative partners, and manner of cooperation and so forth, or the occurrence of a capital increase, capital reduction, equity transfer or swap, merger or split, and so forth, the domestic institutions shall go through the foreign exchange registration modification procedures for overseas direct investment in light of the said change in circumstances; 3. In the case of the occurrence of significant matters such as long-term equity or debt investment, external guarantees, and so forth of registered overseas enterprises which do not involve a change in capital, the domestic institutions concerned shall complete the foreign exchange recording procedures for overseas direct investment for the said significant matters. Article 10 In cases where the equity of overseas enterprises held by domestic institutions is cancelled due to causes such as equity transfers, bankruptcy, dissolution, liquidation, expiry of operations, and so forth, the domestic institutions shall, within 60 days after obtaining relevant the documentary evidence issued by the overseas direct investment authorities, complete the foreign exchange registration procedures for the cancellation of the overseas direct investment by presenting the relevant materials to the Foreign Exchange Administrations in their localities. Article 11 The domestic institutions may provide commercial loans or external financial guarantees for the enterprises in which its overseas direct investment is made in line with the Regulations of the Peoples Republic of China on Foreign Exchange Administration and other relevant regulations. Article 12 Where a domestic institution makes an investment in a country or region with foreign exchange controls, such institution can open a special foreign exchange account for payments and receipts of foreign exchange funds related to the investment in a country or region not subject to foreign exchange controls in line with the regulations. Chapter b Outward Remittances of Preceding Expenses for Overseas Direct Investment Article 13 The preceding expenses for overseas direct investmentrefer to expenses payable overseas by domestic institutions related to their overseas direct investment prior to the establishment of projects or enterprises by the domestic institutions through overseas investment, which include but are not limited to: 1. Guarantee funds payable by the domestic institutions for the purchase of equity or overseas asset interests and rights of overseas enterprises according to the provisions as stipulated by the laws in the localities of the projects or the requirements of the transferor; 2. Bidding deposits payable by the domestic institutions in the process of bidding and tendering of overseas projects; 3. Expenses needed for conducting a market survey, leasing an office site and equipment, recruiting staff, and inviting overseas intermediary institutions to provide services prior to the initiation of the overseas direct investment. Article 14 The preceding expenses remitted by the domestic institutions overseas normally shall not be more than 15% of the total amount of overseas direct investment which the domestic institutions have already applied for with the direct investment authorities (hereinafter referred to as the total amount of overseas direct investment). The domestic institutions shall apply for the remittances of such expenses at the Foreign Exchange Administrations in their localities with the following materials: 1. A written application (including the total amount of overseas direct investment, the amount of contributions by each party, the form of contributions, and demonstration of the amount, use, fund sources, and so forth of the preceding expenses); 2. A valid business license or evidence of registration and the organizational code certificate of the domestic institutions; 3. Relevant documents demonstrating the participation of the domestic institutions in tendering, acquisition, or JV and cooperative projects (including a letter of intent signed by the Chinese and foreign parties, a memorandum or framework agreement, and so forth); 4. The written application submitted by the domestic institutions to the overseas direct investment authorities; 5. A Letter of Commitment in written form issued by the domestic institutions on the use of the preceding expenses; 6. Other relevant materials as required by the Foreign Exchange Administrations. Where the preceding expenses remitted outward by the domestic institutions for overseas direct investment exceed 15% of the total amount of overseas direct investment, the domestic institutions shall file an application for such remittances with the said materials to the SAFE branches in their localities (including the foreign exchange administrative departments). The designated foreign exchange banks shall handle the foreign exchange purchase and payment procedures for the domestic institutions on the basis of the approval documents issued by the Foreign Exchange Administrations, and shall provide feedback on relevant information to the Foreign Exchange Administrations in a timely manner. Article 15 The preceding expenses remitted by domestic institutions overseas shall be listed in the total amount of overseas direct investment of the domestic institutions. The designated foreign exchange banks shall deduct the amount of the outward remitted preceding expenses from the total amount of overseas direct investment when handling the outward remittance of overseas direct investment funds of domestic institutions. Article 16 Where domestic institutions fail to complete the examination and approval procedures for overseas direct investment within 6 months after the date of the outward remittance of the preceding expenses, the domestic institutions shall transfer the remaining funds in their overseas accounts to the original domestic foreign exchange accounts from which the funds have been remitted. In cases where the remitted foreign exchange funds are identified as foreign exchange purchased with RMB, the domestic institutions can complete the procedures for exchange settlement at the designated foreign exchange banks with the original foreign exchange purchase vouchers. The Foreign Exchange Administrations in the localities of the domestic institutions shall be responsible for supervising the inward transfer of the remaining preceding expenses by domestic institutions. If an extension of the 6-month period is required for this work, the said 6-month period can be properly extended after the extension is examined and approved by the Foreign Exchange Administrations that have conducted the examination and approval procedures for the remittance of the preceding expenses; however, the period of extension shall not exceed a maximum of 12 months. Chapter c Inward Remittances of Funds and Foreign Exchange Settlement under Overseas Direct Investment Article 17 Where the domestic institutions remit profits generated from their overseas direct investment to within China, such profits can be deposited in foreign change accounts under the current account of the said domestic institutions or can handle the foreign exchange settlement formalities. The designated foreign exchange banks shall handle the procedures for account entering or exchange settlement of profits generated from the overseas direct investment of domestic institutions after ensuring the authenticity of the relevant materials of the domestic institutions, such as the foreign exchange registration certificate for overseas direct investment, the relevant financial statement and decision on the disposal of the profits of the overseas enterprises, the annual examination and verification inspection report for the previous year and so forth. Article 18 The foreign exchange revenue under the capital account of the domestic institutions that is generated from capital reductions, equity transfers, liquidation, and so forth of overseas enterprises established by such institutions shall be put into an account via the special foreign exchange accounts for asset realization, or shall be retained outside of China with the approval from the Foreign Exchange Administrations. The opening and account entering of the special foreign exchange accounts for asset realization shall be subject to examination and approval of the Foreign Exchange Administrations in the localities of the domestic institutions according to the relevant regulations. Foreign exchange settlement of funds in such accounts shall be subject to applications handled at the designated foreign exchange banks according to the relevant regulations. Article 19 Where domestic institutions transfer in full or in part the equity of enterprises under their overseas direct investment to other domestic institutions, the relevant funds shall be paid in RMB within the territory of China. The transferors of such equity shall complete the change or cancellation procedures for foreign exchange registration for their overseas direct investment at the Foreign Exchange Administrations in their localities. The transferees of such equity shall complete the foreign exchange registration procedures for overseas direct investment for transferred equity at the Foreign Exchange Administrations in their localities. Chapter d Supplementary Provisions Article 20 Domestic institutions (excluding financial institutions) shall participate in the annual inspections in line with the relevant regulations on joint annual inspections for overseas investment. Where one case of overseas direct investment is jointly implemented by a number of domestic institutions, such institutions shall separately participate in the foreign exchange annual inspection at the Foreign Exchange Administrations in their localities. Article 21 Direct investment made by domestic institutions in Hong Kong SAR, Macao SAR, and Taiwan Province shall be subject to administration in line with these Regulations. Article 22 Unless otherwise stipulated by the relevant supervisory departments on fund use of overseas direct investment of domestic financial institutions, the foreign exchange administration on overseas direct investment of domestic financial institutions shall be implemented in line with these Regulations. Article 23 Such businesses as foreign exchange receipts and payments and foreign exchange registration under overseas direct investment by domestic institutions shall be handled via the corresponding business systems according to the relevant regulations. The designated foreign exchange banks shall provide feedback to the Foreign Exchange Administrations on information about the foreign exchange receipts and payments under overseas direct investment via the relevant business systems. Article 24 Any domestic institution in breach of these Regulations shall be penalized by the Foreign Exchange Administrations in line with the Regulations of the Peoples Republic of China on Foreign Exchange Administration. Where the acts of a domestic institution constitute a crime, such institution shall assume criminal responsibility in accordance with the relevant laws. Article 25 These Regulations shall be interpreted by the State Administration of Foreign Exchange. Article 26 These Regulations shall take effect as of August 1, 2009. Other regulatory documents listed in Annex a shall be annulled as of the date of implementation of these Regulations. Where previous regulations are inconsistent with these Regulations, these Regulations shall prevail. Annex (omitted) 2009-07-13/en/2009/0713/692.html