推动金融服务“跨境贷款”护航企业“走出去”

□ 文/陈丽冰

推动金融服务“跨境贷款”护航企业“走出去”

□ 文/陈丽冰

2009年，在全球金融危机蔓延的背景下，第6届中国—东盟博览会围绕《服务贸易协议》，开始设置金融服务展并举办中国—东盟金融合作与发展领袖论坛。如今，五年过去了，中国与东盟国家的金融合作不断升级服务，为双方企业发展“保驾护航”。而在这过程中，已经成功举办11届的中国—东盟博览会无疑是最好的平台之一，在推动双方金融合作、深化双方经贸合作的金融服务机制等方面发挥了积极的推动作用。

顺势而起

金融是现代经济的血液。近年来，中国企业对外投资取得了快速发展。然而，在积极“走出去”的同时，资金问题一直困扰着众多中国企业。此外，随着中国与东盟双方经贸往来的日益密切，对金融服务也提出了更高的要求。中国与东盟各国政府之间、金融监管机构之间，以及金融机构和非金融企业之间，都需要加快金融合作的步伐。

在此背景下，为了更好地服务中国—东盟自贸区建设，以及支持中国企业利用东博会这一国际平台投资东盟，助力企业解决境外投资融资难题，2009年10月，首届中国—东盟金融合作与发展领袖论坛在第6届中国—东盟博览会上应运而生。

常办常新

如今，服务于中国—东盟经贸合作的金融论坛及金融服务展已经成功举办了六届，每一届论坛和服务展都不断务实内容，且常办常新。

2014年是中国—东盟“钻石十年”的开局之年，也是广西沿边金融综合改革的启动之年。为进一步深化中国与东盟双方金融合作，提高双方企业的贸易投资便利化程度，第11届中国—东盟博览会顺应时势,举行了以“跨境人民币业务创新”为主题的第6届中国—东盟金融论坛。论坛期间，中国银行、中国农业银行等金融机构发布人民币与东盟国家货币的交易指数；中国农业银行举行人民币与东盟8国的货币兑换挂牌仪式，为中国和东盟经贸合作提供更好的金融支持。

值得一提的是，在论坛的推动下，作为跨境人民币业务创新中的一项重要内容，跨境贷款成功落地广西。2014年9月19日，中国广西中马钦州产业园区与马来西亚中国银行签订贷款合同，中马钦州产业园区获得贷款3000万元人民币，用于中马钦州产业园区启动区标准厂房（一期）项目建设。该笔合同的签订，成为广西首笔跨境人民币贷款业务。

不仅如此，2014年11月，中国工商银行新加坡分行、中国银行（泰国）股份有限公司、中国建设银行新加坡分行等3家境外银行分别与广西投资集团、广西防城港核电有限公司、广西方元电力股份有限公司、广西金桂浆纸业有限公司、钦州市港口（集团）有限责任公司5家企业签订了总额为7.7亿元人民币的跨境人民币贷款协议。

而这些只是众多银企在跨境人民币业务创新中成功合作的身影。未来，随着人民币国际化步伐的加快，各大金融机构还将会借助东博会这一平台继续为中国—东盟企业间的跨境经营及互联互通打造一条“货币流通”之路。

助力企业“走出去”

与此同时，东博会还不断完善金融服务功能，积极推动企业和金融机构对接，为中国“走出去”企业提供金融支持。

在第11届中国—东盟博览会金融服务展上，中国民生银行南宁分行作为中国唯一一家受邀的国内股份制银行，向参会企业展示了境外投资贷款、对外工程承包买、卖方信贷等支持民营企业国际化的结构性贸易融资产品，并深度解析了民营企业“走出去”融资难的原因，得到参会企业的高度认可，会后多方积极接洽，希望在会后加深了解，寻求合作机会。

中国民生银行是中国国内较早支持中资企业尤其是民营企业“走出去”的股份制商业银行，其在香港设立有境外分行后，还在新加坡筹建了第二家海外分行，并推出了“支持民营企业走出去的境外投融资业务”。其中矿业领域的境外投资项目目前已经扩展到五大洲；光伏和油气等外向型产业领域则形成了以境外投资贷款为龙头的产业链融资新局面；在新能源、新材料、高端机械装备等方面也占有较大的市场份额。未来，中国民生银行还将积极开拓市场，拓展境外银行合作渠道，并将以贸易金融业务特点为依托，有重点、有针对性地向企业和金融同业提供并购贷款、跨境人民币结算等综合金融服务解决方案。

中国民生银行只是在东博会上成功亮相的银行之一，除此之外，中国银行、中国工商银行等中国知名金融机构也积极向参展企业重点展示了其在金融政策、业务范围、服务理念等信息，以及对促进扶持中国企业“走出去”、赴东盟投资兴业所能享受的优惠政策与措施。相信，未来借助东博会这一平台，中国—东盟的金融合作势必会更上一层楼，护航企业“走出去”。

The 6th China-ASEAN Summit Forum on Financial Cooperation & Development.

As the global fi nancial crisis spread, financial services exhibition and China-ASEAN Summit Forum on Financial Cooperation & Development started to be held based on the Agreement of Trade in Services since the 6th CAEXPO of 2009. Five years have passed and China-ASEAN financial cooperation has been developed continuously, safeguarding the development of enterprises from both sides. The CAEXPO, which has been successfully held for 11 years, is undoubtedly one of the best platforms to promote financial cooperation and deepen economic and trade cooperation.

Emerge as the Times Require

Finance is the blood of modern economy. In recent years, foreign investment has witnessed rapid development of Chinese enterprises. However, a number of Chinese enterprises have been plagued by financial issues when going global. The increasing close economic and trade ties between China and ASEAN also raise a higher demand to fi nancial services. Governments, financial regulators, fi nancial institutions and non-financial enterprises from both China and ASEAN countries all need to accelerate the pace of financial cooperation.

In this context, in order to better serve the construction of CAFTA, support Chinese enterprises to make use of the CAEXPO as the ASEAN-oriented investment platform and help solve the investment and financing problems for overseas Chinese enterprises, the first China-ASEAN Summit Forum on Financial Cooperation & Development was born at the 6th CAEXPO in October 2009.

Be Held on Regular Basis with New Features

Financial forum and fi nancial services exhibition have been successfully held for six years, which add more practical content and new features each year.

2014 was the opening year of China-ASEAN “Diamond Decade”and borderland comprehensive fi nancial reform. To further deepen bilateral financial cooperation and raise the level of bilateral trade and investment facilitation, the 6th China-ASEAN Summit Forum on Financial Cooperation & Development themed the “crossborder RMB business innovation”was held in the 11th CAEXPO. During the Forum, financial institutions like BOC and ABOC released currency trading index of China and ASEAN countries. Also,the opening ceremony for currency exchange service between China and eight ASEAN countries was held by ABOC, providing China and ASEAN better fi nancial support for economic and trade cooperation.

It is worth mentioning that as an important part of cross-border RMB business innovation, cross-border loan has successfully landed in Guangxi. On September 19, 2014, China-Malaysia Qinzhou Industrial Park signed loan contracts with BOC Malaysia Branch and obtained a loan of 30 million yuan for the project construction of the standardized plant (phase I), which is the first cross-border RMB loan in Guangxi.

Moreover, ICBC Singapore Branch, BOC Thailand Branch and CCB Singapore Branch signed cross-border RMB loan agreement with Guangxi Investment Group Co., Ltd., Guangxi Fangchenggang Nuclear Power Co., Ltd., Guangxi Fangyuan Electric Power Co., Ltd., Guangxi Jingui Pulp & Paper Co., Ltd. and Qinzhou Port Group Co., Ltd. respectively in November 2014, with a total amount of 770 million yuan.

With the accelerated pace of RMB internalization, major financial institutions will continue to use the CAEXPO as the platform to open a path of “monetary circulation” for cross-border trading and connectivity between Chinese and ASEAN enterprises.

Help Enterprises “Going Global”

Meanwhile, the CAEXPO constantly improves financial services, encourages the cooperation between enterprises and financial institutions, providing “going global”enterprises with financial support.

In the 11th CAEXPO, as the only invited Chinese stock-holding bank, China Minsheng Bank Nanning Branch displayed its structural trade financing products, such as, loans for overseas investment and foreign project contracting buy/seller credit, which all aim to help internationalize private enterprises. The bank also made intensive exploration on financing problems for private enterprises to “go global”, which is highly regarded by participants enterprises.

China Minsheng Bank, a jointequity commercial bank in China, is an early supporter of Chinese enterprises, especially private enterprises who “go global”. It set up the first overseas branch in Hong Kong, and then established the second one in Singapore and launched overseas investment and fi nancing business to support private enterprises to go global. In the fi eld of mining industry, its overseas investment projects have been expanded to five continents. Export-oriented industries like photovoltaic, oil and gas have taken on a new look, which are led by overseas investment loans; The bank also has large market share in areas such as new energy, new materials and high-end mechanized equipment. It will also actively explore new markets, open up overseas bank cooperation channels, and rely on trade finance services, provide enterprises and its counterparts with comprehensive fi nancial services solutions like merger and acquisition loans and cross-border RMB settlement.

China Minsheng Bank is one of banks that debut successfully at the CAEXPO. Well-known financial institutions including BOC and ICBC also actively showed exhibitors their financial policies, scope of business, service concepts, as well as preferential policies and measures which help Chinese enterprises “go global”. By virtue of the CAEXPO, it is believed that China-ASEAN financial cooperation will scale new height and safeguard enterprises to "go global".

Promote Financial Services and Safeguard Enterprises “Going Global”with "Cross-border Loan"

written by Chen Libing / translated by Ma Jinyu