全国首批跨境金融服务平台新场景在浙江落地

The country's first batch of new scenarios for cross-border financial service platforms landed in Zhejiang

【环球网财经综合报道】为进一步提高小微企业汇率风险管理水平，国家外汇管理局跨境金融服务平台创新推出企业汇率风险管理服务应用场景“衍生品业务担保增信签约”试点功能。浙商银行积极响应，于6月30日落地全国首笔试点业务，为一家纺织服装出口企业高效办理汇率避险业务，切实帮助企业降本增效。

[Global Network Finance Comprehensive Report] In order to further improve the exchange rate risk management level of small and micro enterprises, the cross-border financial service platform of the State Administration of Foreign Exchange has innovatively launched the pilot function of "derivatives business guarantee and credit enhancement signing" for the application scenario of enterprise exchange rate risk management services. Zheshang Bank responded positively, and landed the first written test point business in China on June 30th, efficiently handling the exchange rate hedging business for a textile and garment export enterprise, and effectively helping the enterprise reduce costs and increase efficiency.

高效落地首单：从需求到签约仅1天

Efficient landing of the first order: only 1 day from demand to signing

当前，全球经贸环境复杂多变、汇率波动加剧，外贸企业特别是小微企业面临的汇率风险日益增大。

At present, the global economic and trade environment is complex and changeable, and exchange rate fluctuations are intensifying. Foreign trade enterprises, especially small and micro enterprises, are facing increasing exchange rate risks.

为破解企业难题，6月末，国家外汇管理局跨境金融服务平台上线了企业汇率风险管理服务应用场景“衍生品业务担保增信签约”试点功能。该功能通过线上化担保签约、优化风险分担等机制，为企业提供更便捷、低成本的汇率避险服务。作为首批试点银行，浙商银行快速响应，高效完成了全国首笔试点业务落地。

In order to solve the problems of enterprises, at the end of June, the cross-border financial service platform of the State Administration of Foreign Exchange launched the pilot function of "Derivatives Business Guarantee Credit Enhancement Signing" for the application scenario of enterprise exchange rate risk management services. This function provides enterprises with more convenient and low-cost exchange rate hedging services through online guarantee signing and optimized risk sharing mechanisms. As the first batch of pilot banks, Zheshang Bank responded quickly and efficiently completed the first written test site business in China.

试点方案发布后，浙商银行迅速行动，通过精准摸排，了解到绍兴一家主营纺织服装出口的企业急需汇率避险。受近期人民币汇率波动影响，企业利润承压。但传统模式下，企业开展衍生品交易需缴纳高额保证金或资产抵押，还需要来回跑担保公司和银行，汇率避险成本较高，一直未能开展相关业务。

After the release of the pilot program, Zheshang Bank acted quickly, and through accurate arrangement, it learned that a textile and garment export enterprise in Shaoxing urgently needed exchange rate hedging. Affected by the recent fluctuations in the RMB exchange rate, corporate profits are under pressure. However, under the traditional mode, enterprises need to pay high margin or asset mortgage to carry out derivatives transactions, and they also need to go back and forth between guarantee companies and banks. The cost of exchange rate hedging is high, and they have been unable to carry out related business.

在浙江省外汇局的指导和省担保集团的协调配合下，浙商银行总分联动，绍兴分行仅用1个工作日就完成了从提交企业需求到担保签约的全流程，效率远超传统线下模式（通常需要3-5天）。最终，该企业获得200万元“汇率避险保”保函额度，并办理了近120万美元的外汇掉期产品，有效盘活美元收汇资金、降低财务成本。

Under the guidance of Zhejiang Provincial Administration of Foreign Exchange and the coordination and cooperation of the provincial guarantee group, the head office and branch of Zheshang Bank were linked, and Shaoxing Branch completed the whole process from submitting the enterprise demand to signing the guarantee contract in only one working day, far exceeding the traditional offline mode (usually 3-5 days). In the end, the company obtained a guarantee line of 2 million yuan for "exchange rate hedging insurance" and handled foreign exchange swap products of nearly 1.2 million USD, effectively revitalizing US dollar foreign exchange collection funds and reducing financial costs.

“以前怕麻烦、成本高，不敢做汇率避险。现在通过外汇局平台获得担保增信后，在浙商银行的交易宝平台线上就能签约衍生品，省心又省钱，真正解了我们的燃眉之急！”该企业负责人表示。

"In the past, I was afraid of trouble and high cost, so I didn't dare to do exchange rate hedging. Now, after obtaining guarantee credit enhancement through the platform of foreign exchange bureau, you can sign derivatives online on the trading treasure platform of Zheshang Bank, saving worry and money, and really solving our urgent need!" The person in charge of the enterprise said.

多维构建机制：破解小微企业避险难题

Multi-dimensional construction mechanism: solving the hedging problem of small and micro enterprises

此次首笔试点落地，是浙商银行落实政策创新、服务外贸企业的缩影。近年来，浙商银行持续发力，打出“理念先行+服务定制+减费让利”的“组合拳”。

The landing of the first written test site is the epitome of Zheshang Bank's implementation of policy innovation and service to foreign trade enterprises. In recent years, Zheshang Bank has continued to make efforts to play a "combination boxing" of "concept first + service customization + fee reduction and profit sharing".

服务理念方面，浙商银行成立“汇率避险服务”金融顾问工作室，加强风险中性理念对客宣导。截至目前，新媒体矩阵线上触达客户超50万人次；全国组织开展汇率避险相关培训220余场，主动提供外汇政策解读、外汇交易建议等服务，全面提升小微企业汇率避险的理念和意愿。

In terms of service concept, Zheshang Bank set up a financial consulting studio of "Exchange Rate Hedging Service" to strengthen the promotion of risk-neutral concept to customers. Up to now, the new media matrix has reached more than 500,000 customers online; More than 220 trainings related to exchange rate hedging were organized across the country, and services such as foreign exchange policy interpretation and foreign exchange transaction advice were actively provided to comprehensively enhance the concept and willingness of small and micro enterprises to hedge exchange rates.

定制化产品方面，推出“浙商汇利盈”专属产品包，根据小微企业外币结算账期、风险承受能力等推荐适配的避险产品，涵盖远期、期权等衍生品；重点聚焦产业集群，提供“一行一策”的定制化服务，已覆盖苏州生物医药、广东惠州电子制造、江西赣州家具产业、绍兴纺织服装及金华跨境电商等行业集群。

In terms of customized products, the exclusive product package of "Zheshang Huiliying" was launched, which recommended and adapted hedging products according to the foreign currency settlement period and risk tolerance of small and micro enterprises, covering derivatives such as forwards and options; Focus on industrial clusters and provide customized services of "one line, one policy", covering Suzhou biomedicine, Guangdong Huizhou electronic manufacturing, Jiangxi Ganzhou furniture industry, Shaoxing textile and garment, Jinhua cross-border e-commerce and other industry clusters.

此外，浙商银行对小微企业加大减费让利支持力度，对担保项下业务实施成交汇率全额优惠，优化锁汇价格。截至今年6月末，该行通过主动授信累计为3600家企业提供汇率避险服务，有效缓解保证金占用压力，降低套保成本，提升汇率避险普惠性。

In addition, Zheshang Bank has increased its support for small and micro enterprises to reduce fees and make profits, implemented full discounts on transaction exchange rates for businesses under guarantees, and optimized foreign exchange lock prices. As of the end of June this year, the bank had provided exchange rate hedging services to 3,600 enterprises through active credit granting, effectively alleviating the pressure of margin occupation, reducing hedging costs and improving the inclusiveness of exchange rate hedging.

“汇率避险不是‘选择题’，而是‘必答题’。”浙商银行国际业务部负责人表示，“我们将以此次试点为起点，持续深化外汇局政策应用与外部协同，提供避险+结算+融资综合服务，让更多小微外贸企业敢用、会用、用好汇率避险工具，为外贸高质量发展贡献浙银力量。”（一言）

"Exchange rate hedging is not a'multiple-choice question ', but a'must-answer question'." The person in charge of the international business department of Zheshang Bank said, "We will take this pilot as a starting point to continue to deepen the policy application of foreign exchange bureaus and external coordination, and provide comprehensive services of hedging + settlement + financing, so that more small and micro foreign trade enterprises dare to use, know how to use and make good use of exchange rate hedging tools, and contribute to the high-quality development of foreign trade." (one word)