In order to implement the strategic plan of increasing efforts to support the development of new trade formats such as cross-border e-commerce, the Jieyang Branch of the People’s Bank of China actively fulfills its mission of serving the people through finance. By focusing on key links such as “policy guidance, interest rate clarification, product innovation, and service follow-up”, it accurately empowers enterprises to “go overseas” throughout the cycle, fully supports cross-border e-commerce enterprises to realize the grand dream of “one-click overseas”, and injects more high-quality financial momentum into the field of financial stability and foreign trade.
As of the end of 2025, the city’s cross-border e-commerce enterprise loan balance was 411 million yuan, a year-on-year increase of 240.88%.
Policy guidance
Broadening the “Space for Dreams”
In order to promote more high-quality financial resources to accurately flow into the foreign trade field, Jieyang Branch took the initiative based on regional realities and actively cooperated with relevant departments to issue the “Overall Action Plan on Doing the “Five Big Articles” of Jieyang Finance”, proposing to support financial institutions in providing trade facilitation services and cross-border financial services to market entities in the field of foreign trade and new business formats.
The plan aims to explore and build a comprehensive financial service system to inject strong financial resources into the high-quality development of cross-border e-commerce companies, and then strive to expand a broad and solid “dream-realizing space” for local cross-border e-commerce companies.
Explicit interest rates
Promoting “Pack Lightly to Pursue Dreams”
In order to further enhance the financing transparency of cross-border e-commerce enterprises, support enterprises to comprehensively reduce costs and increase efficiency, and “pack lightly” in international competition, Jieyang Branch will “clearly state the comprehensive cost of loans” in cross-border e-commerce enterprises.
The promotion covers cross-border e-commerce companies, and by clearly stating various financing costs such as interest, guarantee fees, and evaluation fees, it effectively promotes the visibility and visualization of the financing burden of cross-border e-commerce companies, further enhances the company’s cost expectation management capabilities, and empowers companies to expand into the international market with high quality.
The Jieyang Branch pushed the Jieyang Branch of the Postal Savings Bank to provide a loan interest rate of 2.61% to a plastics company, which clearly stated that the bank would bear an evaluation fee of 4,636.79 yuan and a mortgage registration fee of 2,750 yuan for the company; it pushed the Jieyang Branch of the Bank of Communications to provide a glass products company with a loan interest rate of 2.5%, which clearly stated that the bank would bear an evaluation fee of 12,613 yuan for the company.
Product Innovation
Build an exclusive “Dream Weaver Plan”
In order to accurately meet the diverse and cyclical financial needs of cross-border e-commerce companies, Jieyang Branch strives to guide banking institutions within its jurisdiction to deepen product innovation and explore the construction of a cross-border e-commerce exclusive financial service system with strong adaptability and complete coverage.
, promote banks to focus on core scenarios such as “cross-border receipts and payments, exchange rate hedging, and supply chain financing” for enterprises, and focus on promoting targeted financial products such as “cross-border quick loans”, “export E-loans”, “customs bank quick transfers” and “foreign trade loans”, and provide professional and customized product support for cross-border e-commerce companies to steadily expand into the international market.
The Jieyang Branch of China Construction Bank handled 2 cross-border quick loans and credit guarantee loans for a weaving company in Puning City, with an amount exceeding 1 million yuan, effectively empowering cross-border small and micro enterprises to develop steadily with efficient and convenient financing services.
Service follow-up
Escorting the “move forward to realize the dream”
In order to build full-process financial services to serve cross-border e-commerce enterprises in their “voyage overseas”, Jieyang Branch strives to guide banking institutions to strengthen service orientation and promote the establishment of exclusive green services for cross-border e-commerce.
Approval channels effectively shorten the time limit for business processing; banks are encouraged to explore and establish a corresponding mechanism for dynamic credit lines, and flexibly increase the upper limit of credit support based on the company’s operating flow and growth stage to fully support the company’s capital needs at key nodes such as peak sales season and logistics and warehousing.
Minsheng Bank Jieyang Branch focused on the needs of a garment manufacturing company to increase production and expand regulations, comprehensively and prudently evaluated and redesigned the financing plan, and increased the company’s medium and long-term special loan line by 20 million, effectively easing the short-term repayment pressure.
In the next step, Jieyang Branch will continue to focus on key links such as “policy empowerment, interest rate clarification, product innovation, and service follow-up”, systematically promote banking institutions to explore and improve a comprehensive financial service system that is highly adaptable, responsive, and covers the entire process, and fully protects the core vision of “one-click globalization” for cross-border e-commerce enterprises, helping them to move forward steadily and realize their dreams in the wave of globalization.
