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银行结售汇数据时间序列 2026年银行结售汇数据（分地区） 2025年银行结售汇数据（分地区） 2024年银行结售汇数据（分地区） 2023年银行结售汇数据（分地区） 2022年银行结售汇数据（分地区） 2021年银行结售汇数据（分地区） 2020年银行结售汇数据（分地区） 2026-10-08/hubei/2026/1008/2717.html
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Distinguished Vice Premier He Lifeng, Party Secretary Chen Jining former PBOC Governor Zhou Xiaochuan Mayor Gong Zheng, and dear guests, Good morning! It is a great pleasure to attend the Lujiazui Forum. The speech just delivered by Vice Premier He Lifeng provides important guidance for us in implementing the arrangements of the “15th Five-Year Plan” and in solidly advancing efforts to prevent risks, strengthen regulation, and promote high-quality development. We will earnestly study the guidelines and fully implement it. The “15th Five-Year Plan” proposes “enhancing capital account openness.” Capital account opening is an important component of the country’s high-standard opening-up. I would like to take this opportunity to share three observations regarding the new landscape of global capital flows and China’s capital account openness. I. Global capital flows have shown resilience amid volatility and divergence From a long-term perspective, as the international economic and financial landscape shifts, the pattern of global capital flows has continued to evolve. Since the 1980s, economic globalization and financial integration have deepened. The breadth and depth of cross-border capital flows have continued to expand. Despite multiple rounds of crises and adjustments during this period, openness and integration have remained the underlying theme of global capital flows. Since the beginning of 2020, the world has entered a period of turbulence and transformation, with increasing instability and uncertainty. In the face of a more complex economic and financial environment, more extensive geopolitical and economic-trade adjustments, and more profound industrial and technological changes, global capital flows have displayed new characteristics of “volatility, divergence, and resilience.” The first characteristic is greater volatility in capital flows. The pandemic shocks, geopolitical conflicts, and economic-trade frictions have intertwined and compounded one another. Global inflation and interest rates have shifted from the prolonged low levels to elevated levels with ongoing adjustments. Global financial conditions are changing rapidly, leading to greater volatility in international financial markets and more pronounced pro-cyclical fluctuations in capital flows. Changes in the financial structure have further amplified this volatility. Cross-border capital is increasingly being allocated through channels such as bonds, equities, and funds. Compared with traditional channels like direct investment and bank lending, shifts in risk appetite and expectations now transmit more quickly across markets and economies. The second key characteristic is the deepening divergence in the structure of capital flows. As a new wave of technological revolution and industrial transformation gains momentum, global capital is increasingly concentrating in future-oriented industries such as artificial intelligence (AI), semiconductors, biomanufacturing, and the energy transition. Meanwhile, some traditional industries, low-growth sectors, and highly-valued assets are facing mounting repricing pressures. Divergence across countries, industries, and assets has become more pronounced. Looking ahead, the accelerating translation of new technologies into productivity gains, business model innovation, and industrial applications, coupled with the long-term impact of innovation achievements on economic growth and income distribution, will profoundly shape the future direction of global capital allocation. The third key characteristic is the notable resilience of capital flows. Despite multiple challenges, the foundations of global openness and cooperation remain solid, while the underlying incentives for cross-border resource allocation by all types of entities continue to be strong. Global foreign direct investment (FDI) reached USD1.6 trillion in 2025, recovering to its 2019 level. Cross-border securities investment also remained buoyant. In 2025, net cross-border securities inflows received by countries worldwide exceeded USD4 trillion, up 14 percent from the previous year and the highest level on record. The resilience of the global financial system has also continued to improve. Many emerging market economies, including China, have accumulated greater experience in macroeconomic regulation and macroprudential management, enhancing their capacity to withstand external shocks. II. China Brings Greater Certainty to Global Development China has consistently emphasized that the certainty of its own development is the best response to external uncertainties. We remain committed to comprehensive openness and cooperation. Through two-way cross-border capital flows, China efficiently connects its innovation ecosystem, industrial capabilities, and financial services with the global economy, enabling countries around the world to share in the benefits of development. On the one hand, global innovation capital is being deployed into China with growing momentum, shifting from sharing the cost and scale advantages of “Made in China” to jointly building the technology and industrial ecosystem of "Created in China”. In 2025, China's actual utilized foreign capital exceeded USD100 billion, with the high-tech industry accounting for about one-third. The growth rates of utilized foreign capital in the medical device and aerospace industries reached 42 percent and 23 percent, respectively. In the capital market, the “technology narrative” is also becoming increasingly clear. By the end of the first quarter of 2026, foreign investors held domestic stocks worth approximately USD600 billion, of which about USD90 billion was in the information technology sector. On the other hand, China is providing more patient capital to the world. Among the outward investments of domestic enterprises and institutions, direct investment, characterized by long investment horizons and strong operational attributes, accounts for a relatively high proportion, reaching 45 percent in 2025. China's outward investment stock has ranked among the global top three for nine consecutive years, spanning over 190 countries and regions, effectively driving the industrial development of host countries and supporting the resilience of global industrial and supply chains. In the two-way interaction between China and global capital flows, the RMB’s role as a financial link continues to expand. Cross-border RMB usage and capital account openness promote each other. The share of cross-border RMB receipts and payments under China's capital account has risen to about 60 percent. Relying on its good reputation, stable value, low financing costs, and increasingly refined payment and clearing network, RMB provides global entities with diverse currency options and risk diversification tools, and also creates more stable and predictable financial conditions for cross-border capital flows. III. Deepening the high-standard institutional opening-up of capital account In recent years, China's capital account opening-up policies have been continuously improved, effectively supporting the two-way growth and structural optimization of cross-border capital flows. By the end of 2025, domestic entities held USD8 trillion in external assets, the stock of foreign direct investment reached USD4 trillion, and foreign investors held over USD1 trillion in domestic stocks and bonds. Currently, the connotation and denotation of China’s capital account opening-up are further expanding. This is mainly reflected in taking institutional opening-up as the direction, driven by the real business and asset allocation needs of various entities, using cross-border RMB usage as an important vehicle, and supported by full-chain management services for cross-border capital flows. Looking ahead, to promote opening-up at a higher level and with higher quality, we will adhere to market-oriented, law-based, and internationalized principles, focusing on the following “four deepenings” to continuously enhance the level of capital account opening-up. First, deepening from channel-based opening-up to institutional opening-up. Capital account opening-up is, in essence, the opening-up of the rules and systems governing cross-border capital flows. Next, we will better align with high-standard international economic and trade rules, enhance the transparency and predictability of the opening-up arrangements, and maintain cross-cycle continuity and stability of policy. The financial market is a key area of institutional opening-up. We will further improve the openness of securities issuance market, promote the alignment of securities trading market rules with international standards, advance the integration of channels, optimize institutional arrangements, and unify rules to enhance the two-way opening-up of the financial market. Second, deepening the shift from facilitating specific business operations to facilitating market entities. The focus of capital account opening-up in serving the real economy lies in better meeting the increasingly diversified cross-border capital allocation needs of business entities. In recent years, we have deepened reforms to facilitate cross-border investment and financing, significantly reduced administrative approvals, and improved business processing efficiency. Next, we will further shift from “facilitating individual business operations” to “facilitating market entities”, and from “ex-ante approval” to “in-process monitoring and ex-post verification”. Entities with sound operations and good credit will be granted greater facilitation. Policies such as the reform of foreign exchange business operations in banks and the multinational corporation cash pooling scheme are vivid examples of this approach. To date, the reform has covered all major banks handling cross-border transactions, facilitating over USD1.3 trillion worth of business for our corporate clients. Meanwhile, the cash pooling policy has benefited more than 1,100 multinational corporations and 20,000 member enterprises, streamlining cross-border receipts and payments in excess of USD2.4 trillion. Third, we are moving from foreign exchange management toward greater synergy between onshore and offshore currencies. The internationalization of the RMB has added new dimensions to capital account convertibility. We must therefore ensure better coordination between RMB and foreign currency businesses, as well as between onshore and offshore markets. In recent years, we have made notable progress in aligning cross-border policies for both domestic and foreign currencies. The bank account settlement system now supports integrated operations in RMB and foreign currencies. Most cross-border investment and financing activities are governed by a single set of rules or a unified document framework, and can be handled through a “one-stop” service at the SAFE or at commercial banks. Going forward, we will strengthen policy coherence between foreign exchange administration and RMB cross-border regulations, support the development of the offshore RMB market, enrich RMB-denominated investment and hedging products, and provide a stable institutional foundation for the further internationalization of our currency. Fourth, we are expanding our management and services from currency conversion to the entire chain of cross-border capital flows. Cross-border capital flows involve multiple links, including currency conversion, underlying transactions, payment, settlement, risk hedging, and exit arrangements. In the next phase, it is imperative that we broaden the perspective of capital account opening from the conversion stage to the entire chain of cross-border capital flows. By introducing more systematic opening-up policies, strengthening our risk prevention framework, and improving overall governance, we aim to advance openness and cooperation on the premise of safeguarding bottom-line security. The foreign exchange market plays a critical role in risk hedging and liquidity management. In recent years, trading volume in China’s foreign exchange market has repeatedly hit record highs. Looking ahead, we will encourage greater foreign participation, support innovation in RMB foreign exchange derivatives, improve services for corporate exchange rate risk management, and enhance both the vitality and resilience of the market. In sum, capital account convertibility is a systemic undertaking that involves multiple objectives, interdependent links, and various constraints. It requires coordinated efforts from all parties, pooled wisdom, and a balanced approach to development and security, with systematic planning and phased implementation. In the near term, we will act on Vice Premier He’s directives and take more concrete steps to facilitate cross-border investment and financing. First, building on the nine facilitation measures introduced last year, we will roll out a new package of incremental policies to create synergies between existing and new instruments. Second, we will comprehensively reform the policy framework for cross-border FDI to better serve global enterprises seeking to invest and operate in China. Third, we will provide stronger support for domestic entities in their global resource allocation. Following this year’s optimization of rules for overseas listings and lending by domestic firms, we will proactively address market demands by further simplifying the administrative requirements for outward direct investment (ODI) and external debt, refining policies on foreign currency loans and cross-border equity incentives, and granting investment quotas to a new batch of qualified domestic institutional investors (QDII). Shanghai serves as both a forerunner and a testing ground for high-level financial opening-up. This year, the pilot program for high-level trade opening-up in Shanghai has already accounted for one quarter of the city’s current account foreign exchange receipts and payments. The corporate foreign exchange hedging ratio in Shanghai has risen to 38 percent. Policy dividends continue to be unleashed in areas like easier external debt access for tech-innovative firms, green bond frameworks, and cross-border financial service platforms. The reform of foreign exchange business operations in banks has cumulatively facilitated over USD200 billion worth of transactions for enterprises in Shanghai. In the next stage, we will follow Vice Premier He’s guidance by supporting Shanghai in piloting more flexible foreign exchange settlement in trade, implementing pilot schemes to facilitate overseas investment using cross-border reinsurance income, and expanding the application of centralized cash pooling and management for multinationals. These efforts are designed to enhance the effectiveness of institutional innovation and provide stronger support for developing Shanghai as an international financial center. Ladies and gentlemen, dear friends, In a world full of uncertainties, openness and cooperation remain the most important anchor of certainty. We will stay committed to high-level opening-up and build a foreign exchange system that is more convenient, more open, safer, and smarter—to better serve China’s high-quality development and to help sustain the steady growth of an open world economy. To conclude, I wish this forum a great success. Thank you! 2026-06-17/en/2026/0617/2440.html
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Distinguished Party Secretary Yin Li, Mayor Yin Yong, and dear guests: Good afternoon. It is my great pleasure to attend this year's Financial Street Forum. Taking into account both the domestic and international imperatives, General Secretary Xi Jinping has made major strategic arrangements that we should adhere to high-level opening-up and accelerate the building of a new development paradigm. These arrangements have charted the course and provided fundamental guidance for our foreign exchange management in the new era. Taking this opportunity, I would like to share three observations on deepening opening-up in China’s foreign exchange sector to better serve the nation’s new development paradigm. I. Reforming Foreign Exchange Management System to Serve China's Integration into the Global Economic Circulation Since the launch of reform and opening-up, China has opened its doors to the world, and its foreign exchange management system has undergone profound transformations. As China deepens foreign exchange management reforms, it has progressed from easing foreign exchange shortages and promoting the market-based foreign exchange allocation, to granting market entities greater autonomy in foreign exchange use and enhancing governance in an open environment. All these steady reforms have provided solid support for connecting China with the world and facilitating global economic circulation. This year marks the 30th anniversary of China achieving current account convertibility. In 1996, China accepted the obligations of Article VIII of the Articles of Agreement of the International Monetary Fund, making an international commitment not to impose restrictions on current international payments and transfers related to trade in goods and services, as well as investment income. This milestone reform laid a vital institutional foundation for China’s deep engagement in global value chains and integration into economic globalization. Over the past 30 years, despite profound changes in international landscape, China has remained steadfast in its commitment to opening up the foreign exchange sector. We have honored our commitment to current account convertibility, advanced capital account opening-up in an orderly manner, and continuously facilitated cross-border trade, investment and financing, creating greater opportunities for China’s development as an open economy. Over the past three decades, China has grown stronger through its integration into the world economy. China has also connected global supply and demand by leveraging its vast domestic market and complete industrial ecosystem, and made significant contributions to world economic growth through its own opening-up and development. The volume of China’s current account transactions has increased from just over USD300 billion in 1996 to more than USD8 trillion in 2025. China has become a major trading partner of more than 160 countries and regions, and is accelerating its transition from a major trading nation to a global trading powerhouse. II. Deepening Foreign Exchange Opening-up to Better Serve the New Development Paradigm The 20th National Congress of the Communist Party of China (CPC) laid out comprehensive plans to accelerate the establishment of a new development paradigm and focus on promoting high-quality development, steering China’s opening-up toward a higher level. As China’s doors open wider, the structure of its foreign-related economy has undergone profound changes. A prominent feature is that market entities are increasingly becoming a pivotal force linking the domestic and international circulations. In terms of flows, China’s balance of payments has gradually developed a self-balancing pattern. Funds generated from current account surplus are increasingly channeled into overseas investment and global asset allocation by market entities such as enterprises and commercial banks. In terms of stocks, the share of China’s external financial assets held by market entities such as enterprises and banks rose from approximately 30 percent at the end of 2010 to nearly 70 percent at the end of 2025. These changes reflect the deepening reforms of China’s socialist market economy, the continued improvements in the institutional frameworks underpinning China’s high-standard opening-up, and the enhanced role of the market in cross-border resource allocation. They also demonstrate the rising capacity of Chinese enterprises to engage in international cooperation and competition as well as global resource allocation. To keep up with the trend, we have taken further steps in recent years to combine “autonomy for enterprises in cross-border operations” and “development of an open ecosystem” in the governance framework of foreign exchange administration. We have focused on unleashing the vitality of businesses, optimizing the ecosystem, expanding opening-up, and improving governance to better support China’s new development paradigm. On the one hand, we are easing the restraints to allow enterprises more autonomy in using foreign exchange. Giving more consideration to their overall operation needs, we have worked to align and integrate foreign exchange policies across trade, investment and financing areas, providing enterprises with coordinated support to facilitate their cross-border operations as well as efficient capital allocations at home and abroad, thereby unleashing the potential of opening-up. With the ongoing reform of banks’ foreign exchange business conduct, we have pushed for differentiated management based on an enterprise’s business performance, credit standing and risk profile. Procedures are simplified to enhance convenience for creditworthy, regulatory compliant enterprises, while monitoring and supervision are strengthened over high-risk businesses. The aim is to both foster vitality and ensure effective regulation. As of end-June 2026, over 50,000 enterprises in China with good credit records have been exempted from review in foreign exchange-related operations, an increase of about 30 percent from the end of last year. The total volume of foreign exchange business conducted in the first half of 2026 exceeded USD580 billion, doubling that in the same period last year, with the average time needed per trade less than half that in the past. On the other hand, we are improving the ecosystem to create better conditions for cross-border business operations. III. Evaluating the Foreign Exchange Management Reform and Opening up by the Satisfaction of Enterprises The effectiveness of reform should be judged by whether it makes business entities more vibrant and competitive. In recent years, drawing on the earlier pilot programs for high-level opening up in cross-border trade and investment, we have rolled out multiple policy packages supporting the steady development of foreign trade, cross-border investment and financing, and the construction of pilot free trade zones. As of end-September this year, these policies had benefited more than 150,000 business entities, involving business volume of over USD3 trillion. Recently, on the basis of enhanced existing policies, and in light of new circumstances as well as the new demands of enterprises identified in our surveys and research, we plan to roll out a batch of incremental measures to support enterprises in better participating in international cooperation and competition, and making better use of both domestic and international markets and resources. First, we will roll out a package of policy measures to make current-account transactions easier. The measures will better meet the diversified settlement needs of foreign trade enterprises, support the development of new forms of trade, and promote higher-quality and more efficient foreign trade. Second, we will introduce a package of policies to optimize foreign-exchange management under the capital account. The measures will better meet enterprises’ needs for cross-border investment, financing and fund allocation, serve the “bringing in” and “going global” strategies, and expand the scope for two-way investment cooperation. Third, we will promote the opening-up and development of the foreign exchange market. We will expand pilot programs for securities companies to conduct foreign exchange settlement and sales business, and support financial institutions in providing quality exchange-rate risk-management services to enterprises, especially small and medium-sized enterprises. We will also enhance cross-border service capabilities, better support the coordinated development of onshore and offshore financial markets, and help advance RMB internationalization. The deeper opening up goes, the more importance must be attached to security. We will continue to strengthen monitoring, early warning and macroprudential management of cross-border capital flows, crack down on illegal cross-border financial activities, and safeguard the stable and sound operation of the foreign exchange market. We will ensure the safety and liquidity of foreign exchange reserves and preserve and increase their value. Taking this opportunity, I would like to express thanks to the CPC Beijing Municipal Committee and the Beijing Municipal Government for their strong support for foreign exchange management reform. Beijing boasts a concentration of innovation resources, a well-developed headquarters economy and an enabling business environment, creating favorable conditions for exploring higher-level opening-up policies. In recent years, we have worked closely with Beijing to support the city in pioneering the facilitation of cross-border financing for sci-tech innovation enterprises, and in launching, among the first batch, pilot programs such as integrated RMB and foreign currency cash pools for multinational companies. As of end-September this year, the two pilot programs had facilitated more than USD600 billion in cross-border business and benefited nearly 100 sci-tech innovation enterprises and more than 100 multinational companies together with their over 5,000 domestic and overseas member enterprises. All these have provided strong support for the high-quality development of Beijing as the capital city. Ladies and gentlemen, friends! This forum, themed “Building an Open, Collaborative and Inclusive Ecosystem for Global Financial Development”, has raised new topics for global financial governance. We will implement the Global Governance Initiative proposed by President Xi Jinping, deliver the requirements of the 15th Five-Year Plan, and take a coordinated approach to development and security, opening up and governance, and market efficiency and macroeconomic stability. We will foster a sound foreign exchange and financial ecosystem, improve foreign exchange management systems and mechanisms to make them more convenient, more open, more secure and smarter, and provide strong support for building a financial powerhouse and advancing Chinese modernization. Finally, I wish the forum a complete success! Thank you! 2026-10-19/en/2026/1019/2462.html
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山城仲夏，重庆一家笔电保税进料加工企业车间内，自动化产线高速运转，一批批成品即将发往全球。企业财务室里，不见以往成摞报关单、合同发票堆满桌面的杂乱场景，财务人员轻点鼠标，短短数分钟就能完成上百笔跨境付汇业务。 这样的变化，源于跨境贸易高水平开放试点在重庆的全面落地。重庆地处“一带一路”和长江经济带联结点，叠加西部陆海新通道、成渝地区双城经济圈等多重国家战略，涉外经营主体对高效便捷的跨境结算需求日益迫切。在国家外汇管理局支持下，2024年重庆成为中西部首个跨境贸易高水平开放试点城市。两年以来，国家外汇管理局重庆市分局（以下简称“重庆市分局”）立足内陆开放综合枢纽建设大局，推动重庆金融业充分运用“政策红利”为企业出海“赋能添利”，为“重庆制造”扬帆全球铺就起跨境结算的“高速路”。 “过去集中采购期，上百笔付汇需要准备上百套单据，加班到深夜是常事。”某笔电企业财务负责人回忆。该企业海外供应商众多、付汇频次高，过去每笔付汇都要配齐全套贸易背景材料提交银行审核，一笔业务耗上大半天是常态。 转机发生在2024年，企业凭借诚信合规的良好资质，被华夏银行重庆分行推荐纳入试点优质企业名录。对于具备真实交易背景的跨境收付汇业务，企业无需逐笔提供单证，银行凭交易指令即可完成资金收付，资金最快数分钟便能到账，业务办理时长缩短超50%。 在重庆市分局指导下，华夏银行重庆分行上线系统批量审核，单次办理100笔集中付汇可节约近800分钟。“省下的精力我们都投到资金筹划和成本管控上，财务岗从‘单证整理员’变回了‘资金管理员’。”企业财务负责人坦言。结算效率的跨越式提升，让资金流转更加顺畅，企业得以“轻装上阵”拓市增收。 支持贸易收支轧差净额结算：从“收付两头算”到“净额一笔清”。 对存在大量关联交易的制造企业而言，与境外关联公司的往来结算，曾是件“费钱又耗力”的事。 重庆某笔记本电脑键盘生产企业的财务人员，曾长期为每月与母公司之间“收一笔、付一笔”的往来结算头疼。“银行流水密密麻麻，对账要逐笔勾对，生怕错漏。”企业每月货物贸易外汇收支超2000万美元，其中近三成为与母公司的关联交易，传统双向全额收付汇模式资金占用久、汇兑成本高。 企业成为试点优质企业后，重庆市分局指导中国银行重庆市分行主动对接，为企业办理贸易收支轧差净额结算，同一境外交易对手仅按净额进行结算。“现在我们只需要做好账务记录，每月只算一笔净额，对账效率高了，大笔资金也不用长期占压。”该企业财务人员算了一笔账，轧差结算落地后，资金占用时长缩短近50%，企业资金调度灵活度显著提升。 便利货物贸易特殊退汇办理：从“多头跑、流程长”到“银行当场办” “以前办理超期限退汇业务，要先到外汇局登记再前往银行付汇。现在无需事前登记，直接在银行就能办理，真是方便极了。”某出口摩托车及配件企业负责人感慨道。该企业6年前收到埃及客户的预付货款，后因当地出台产品国产化强制政策导致货物无法清关，叠加当地增资建厂方案一直未能落地等因素，该笔预收货款直至近年才完成清算退回。 试点落地后，优质企业办理超期限货物贸易退汇业务可免于前往外汇局事前登记，由银惠及面不断扩大一个个企业的案例缩影，映照出重庆跨境贸易高水平开放试点改革的扎实成效。截至目前，全市已有19家银行完成跨境贸易高水平开放试点备案，455家企业获得试点业务资格，累计办理便利结算规模超800亿美元，政策红利覆盖生产制造、物流运输、商贸流通等多个领域，持续厚植“越诚信越便利、合规者先行”的良好外汇生态。 下一步，重庆市分局将紧扣外汇管理“更加便利、更加开放、更加安全、更加智慧”目标导向，推动改革试点更好融入国家重大战略，引导银行结合地方产业特色优化跨境金融产品与服务，以更加畅通的跨境资金流动、更加高效的金融服务供给，为重庆打造内陆开放综合枢纽注入源源不断的金融活水。 2026-10-29/chongqing/2026/1029/3650.html
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“以前办一笔大额外汇业务，需按规定备齐全套单证提交银行人工审核。现在真正实现了网银提交‘秒申请、分钟办’，办理时间减少90%。”重庆泰山电缆有限公司财务负责人的感受，是外汇展业改革在重庆落地见效的生动印证。 这一变化源自国家外汇管理局2023年12月启动的银行外汇展业改革。所谓银行外汇展业，是指银行在办理外汇业务过程中开展的客户识别、单证审核、风险监测等活动。银行外汇展业改革推动银行外汇业务从注重单证审核的传统模式，转向“事前客户识别与分类、事中差异化审核、事后监测报告”的全流程管理框架，更加关注经营主体整体信用水平，为诚信合规企业提供更多便利。两年多来，在国家外汇管理局重庆市分局推动下，辖区12家银行机构落地实施改革，推动优质企业跨境结算提速提质，营造“合规者先行、诚信者便利”的用汇环境。 一、业务流程系统重塑 银行展业提质增效 “我们的客户分布50多个国家和地区，日常外汇收支额度大、笔数多，对时效要求高。现在银行审核效率大幅提升，跑银行的时间和次数大大减少，但业务一点也没落下。”该电力装备制造企业财务负责人表示。 效率提升的背后，是银行外汇展业流程的系统性重塑。建设银行重庆市分行通过电子化的事前客户分类评级，打通银行内部信息孤岛，实施差异化审核措施，在对广大中低风险客户提供外汇业务便利化服务的同时，更加聚焦对高风险客户和业务的审查监测，大幅减轻柜台核验压力，实现风控与效率双向提升。更重要的是，银行基于统一的客户信用分类，为优质客户提供跨币种、跨业务场景的便捷结算，实现“一套标准、一次评级、一揽子服务”，有效拓展了银行产品与服务创新空间，客户体验和管理效率都上了一个台阶。 “自从上线外汇展业系统后，每位客户都拥有‘全景画像’，实现对客户的智能定位与筛选。像我们服务的泰山电缆公司，就是典型的优质客户，银行在‘了解客户’的基础上简化审核流程，对客户‘无违规、不打扰’，柜台办理又快又有底气！”该行柜面人员对此感触最深。依托外汇展业改革，建设银行重庆市分行为优质企业办理业务时长缩短70%以上，改革赋能的服务成效在一线业务场景充分显现。 二、资金结算免审快办 诚信企业轻装前行 银行外汇展业改革为企业带来的最直接红利就是减负。获评一类客户的优质企业，可凭业务指令直接办理跨境收支，无需逐笔提交纸质单证。 浦发银行重庆分行服务的重庆民生综合物流有限公司，常年具有大量运输费用结算需求，此前每笔付汇需提供合同、发票、物流单据等背景材料，因汇款笔数多，单证整理耗时长，银行人工审核时间也较长。被评为一类客户后，企业只需在网银系统里提交指令，系统自动识别，秒级完成审核，单笔业务时间缩短至几分钟。改革落地近一年，该物流公司已累计办理运费付汇近400笔，付汇总额突破2000万美元。 “以前团队花在整理单证、跑银行上的时间，现在全部释放出来，用来做资金统筹和汇率风险管理，为优化业务运营、提升资金效率留出了更多空间。”企业财务负责人表示。 从单点先行先试到面上扩围推进，全市银行外汇展业改革的政策红利正加速释放。2026年以来，全市经银行认定的展业改革一类客户数量较年初增长30%，凭指令办理业务超200亿美元，超过上年全年水平。下一步，国家外汇管理局重庆市分局将稳步扩大银行外汇展业改革覆盖面，推动“越诚信越便利”的政策红利惠及更多企业。 2026-10-29/chongqing/2026/1029/3651.html
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近期，三明市分局联合三明海关实地走访辖内跨境电商企业，深入了解企业跨境收汇结算存在的难点与诉求。针对企业反映的难点堵点问题，会同市商务局深入排摸情况，在省分局的指导下，充分考虑跨境电商出口商品价值小、数量大、批次多、货款平台集中结算等客观特点及真实市场需求，对该类出口业务的交易真实性、合规性和操作可行性进行充分研讨，指导企业建立健全内部管理机制，为企业提供切实可行的解决方案，化解企业“后顾之忧”，助推新型国际贸易健康有序发展。 2026-10-28/fujian/2026/1028/2714.html
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9月末，深圳市本外币各项存款余额154759.28亿元，同比增长7.7%。月末人民币存款余额149682.04亿元，同比增长8.2%。前九个月人民币存款增加8709.24亿元。其中，住户存款增加2397.82亿元，非金融企业存款增加2275.23亿元，财政性存款增加329.78亿元，非银行业金融机构存款增加2471.43亿元。月末外币存款余额753.85亿美元，同比增长1.9%，前九个月外币存款减少10.83亿美元。 9月末，深圳市本外币各项贷款余额104208.94亿元，同比增长4.8%。月末人民币贷款余额101554.95亿元，同比增长4.4%。前九个月人民币贷款增加4050.44亿元。分部门看，住户部门贷款减少528.07亿元，其中，短期贷款减少699.95亿元，中长期贷款增加171.89亿元；非金融企业及机关团体贷款增加3896.27亿元，其中，短期贷款增加1387.34亿元，中长期贷款增加2780.80亿元，票据融资减少180.82亿元；非银行业金融机构贷款增加6.47亿元。月末外币贷款余额394.05亿美元，同比增长30.6%，前九个月外币贷款增加87.56亿美元。 注1：自2015年起，人民币、外币和本外币存款含非银行业金融机构存放款项，人民币、外币和本外币贷款含拆放给非银行业金融机构的款项。 注2：自2023年1月起，人民银行将消费金融公司、理财公司和金融资产投资公司等三类银行业非存款类金融机构纳入金融统计范围。文中数据均按可比口径计算。 附件：2026年9月深圳市金融统计数据报告.pdf 2026-10-29/shenzhen/2026/1029/2629.html
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小币种汇率避险案例之水果进口企业① 2026-10-29/chongqing/2026/1029/3647.html
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小币种汇率避险案例之跨境电商进口企业② 2026-10-29/chongqing/2026/1029/3648.html
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小币种汇率避险案例之谷物进口企业③ 2026-10-29/chongqing/2026/1029/3649.html