文章來源:云南省國(guo)資委 發布時間:2018-05-17
近幾年來,作為全省網點最多的金融機構,云南農(nong)信社發揮口岸網點覆蓋(gai)廣的優勢,結(jie)合線(xian)上線(xian)下創新產品及流程,拓寬跨境資(zi)金清(qing)算、結(jie)算渠道和(he)網絡,金融服(fu)務邊貿互市、涉農(nong)企業的貿易(yi)和(he)投資(zi)便利化,讓人民幣向周邊“走出去”,開渠筑網建(jian)設“一帶一路”資(zi)金融通路。
資(zi)金(jin)(jin)(jin)融(rong)(rong)通(tong)(tong)(tong)(tong)(tong)是“一(yi)帶(dai)一(yi)路”戰略(lve)中(zhong)的(de)“五通(tong)(tong)(tong)(tong)(tong)”(政策(ce)溝通(tong)(tong)(tong)(tong)(tong)、設施聯(lian)通(tong)(tong)(tong)(tong)(tong)、貿(mao)易暢通(tong)(tong)(tong)(tong)(tong)、資(zi)金(jin)(jin)(jin)融(rong)(rong)通(tong)(tong)(tong)(tong)(tong)、民心(xin)相通(tong)(tong)(tong)(tong)(tong))之(zhi)一(yi),也是“一(yi)帶(dai)一(yi)路”建(jian)設中(zhong)的(de)重要支(zhi)撐。作為“資(zi)金(jin)(jin)(jin)融(rong)(rong)通(tong)(tong)(tong)(tong)(tong)”的(de)踐行者,云南(nan)農信發揮資(zi)金(jin)(jin)(jin)實力雄厚,網點覆(fu)蓋面廣(guang)等(deng)優勢,不(bu)斷提升跨(kua)(kua)境金(jin)(jin)(jin)融(rong)(rong)服務(wu)能力,通(tong)(tong)(tong)(tong)(tong)過(guo)債(zhai)券、貸款、票據“組合拳”,以及(ji)國(guo)際(ji)結算(suan)、外幣匯(hui)兌等(deng)多元(yuan)化金(jin)(jin)(jin)融(rong)(rong)服務(wu),重點支(zhi)持了“一(yi)帶(dai)一(yi)路”區域經濟和“五網”建(jian)設等(deng)重點基(ji)建(jian)項目,并助力企業“走出去(qu)”。2016年,云南(nan)農信累計跨(kua)(kua)境人(ren)民幣結算(suan)量突破(po)百億元(yuan),列(lie)全省金(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構第(di)3位,本外幣跨(kua)(kua)境結算(suan)量居全省金(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構第(di)7位。截至3月末,全省農信社(she)獲得銀監(jian)外匯(hui)業務(wu)準(zhun)入資(zi)質(zhi)的(de)聯(lian)社(she)達31家,覆(fu)蓋全省24個國(guo)家級(ji)、省級(ji)口岸中(zhong)的(de)23個口岸。
在(zai)中緬、中越及中老邊(bian)境(jing),云(yun)南農(nong)(nong)信針(zhen)對(dui)沿(yan)邊(bian)地(di)區金(jin)融服務欠(qian)缺(que)、金(jin)融產(chan)品有限、邊(bian)貿企(qi)(qi)業和個人(ren)(ren)客(ke)戶(hu)結(jie)(jie)算(suan)(suan)(suan)(suan)難的(de)(de)情況,大(da)力發展(zhan)跨境(jing)人(ren)(ren)民幣結(jie)(jie)算(suan)(suan)(suan)(suan)業務。在(zai)去年的(de)(de)結(jie)(jie)算(suan)(suan)(suan)(suan)量中,邊(bian)貿互市結(jie)(jie)算(suan)(suan)(suan)(suan)量占比27.73%;農(nong)(nong)資產(chan)品出(chu)口占比22.38%。在(zai)原有的(de)(de)清算(suan)(suan)(suan)(suan)行(xing)、代理行(xing)、NRA賬戶(hu)、現金(jin)結(jie)(jie)算(suan)(suan)(suan)(suan)等(deng)結(jie)(jie)算(suan)(suan)(suan)(suan)渠(qu)道的(de)(de)基礎上,云(yun)南農(nong)(nong)信新增了邊(bian)貿網銀,提(ti)高了與境(jing)外同(tong)業開展(zhan)人(ren)(ren)民幣結(jie)(jie)算(suan)(suan)(suan)(suan)業務的(de)(de)效率。目(mu)前,云(yun)南農(nong)(nong)信的(de)(de)跨境(jing)人(ren)(ren)民幣業務,已(yi)從經常項(xiang)(xiang)目(mu)的(de)(de)結(jie)(jie)算(suan)(suan)(suan)(suan)拓(tuo)展(zhan)到資本項(xiang)(xiang)目(mu)投融資領域,為涉(she)農(nong)(nong)“走出(chu)去”企(qi)(qi)業提(ti)供跨境(jing)金(jin)融綜合服務,支持省(sheng)內大(da)量涉(she)農(nong)(nong)企(qi)(qi)業“走出(chu)去”。
為(wei)滿足(zu)沿邊(bian)小幣(bi)種結(jie)算需(xu)求,云南(nan)農(nong)信(xin)為(wei)邊(bian)貿和邊(bian)民(min)互市提供(gong)安全合規的外(wai)幣(bi)現鈔兌(dui)換(huan)(huan)服(fu)務。勐臘縣(xian)農(nong)村商業銀行與天(tian)津(jin)渤海通匯云南(nan)分公(gong)司在中(zhong)老邊(bian)境磨憨(han)口(kou)(kou)岸(an)聯檢大樓,設立貨(huo)幣(bi)兌(dui)換(huan)(huan)點,辦(ban)理老撾基(ji)普、泰銖及美元現鈔兌(dui)換(huan)(huan),提供(gong)“即兌(dui)即走”的個(ge)人外(wai)幣(bi)兌(dui)換(huan)(huan)便民(min)服(fu)務;麻栗坡縣(xian)農(nong)村信(xin)用合作聯社新增(zeng)開辦(ban)越(yue)(yue)南(nan)盾兌(dui)換(huan)(huan)業務,并加(jia)入(ru)了(le)紅河(he)、文(wen)山越(yue)(yue)南(nan)盾YD指數機制,使(shi)得此項業務10年后重(zhong)回天(tian)保口(kou)(kou)岸(an),開啟了(le)全省農(nong)信(xin)社非主要儲備貨(huo)幣(bi)兌(dui)換(huan)(huan)的新里程。
云(yun)南(nan)(nan)農信(xin)積極對接 “一帶一路”沿線(xian)國家銀(yin)行(xing)同業,與越(yue)南(nan)(nan)農業與農村發(fa)展(zhan)(zhan)銀(yin)行(xing)、越(yue)南(nan)(nan)外(wai)貿(mao)股份商(shang)業銀(yin)行(xing)、老(lao)撾外(wai)貿(mao)大(da)眾銀(yin)行(xing)等(deng)5家境(jing)外(wai)銀(yin)行(xing)建(jian)立了代理行(xing)關系。自(zi)2014年起,率先在緬(mian)(mian)甸(dian)姐告和(he)緬(mian)(mian)北、老(lao)撾磨丁等(deng)地布放(fang)跨(kua)境(jing)POS機(ji),服務邊境(jing)貿(mao)易、邊民互市、在外(wai)投資(zi)企(qi)業和(he)個人(ren),為(wei)跨(kua)境(jing)刷卡消費和(he)旅游提供了便利。在邊境(jing)口(kou)岸(an)網點,云(yun)南(nan)(nan)農信(xin)除(chu)優化境(jing)外(wai)居民的開戶、存(cun)取款等(deng)業務流程外(wai),還(huan)提供老(lao)撾語(yu)、越(yue)南(nan)(nan)語(yu)及緬(mian)(mian)甸(dian)語(yu)等(deng)小語(yu)種(zhong)服務,語(yu)言的相通提升(sheng)了境(jing)外(wai)客戶的體(ti)驗度,成為(wei)其發(fa)展(zhan)(zhan)國際業務的差異化優勢。