Umthombo: Ixesha lezeMali nguZhao Meng
Kutshanje, i-CiIE yesine ifikelele kwisigqibo esiyimpumelelo, kwakhona inikezela ngekhadi lengxelo elinomtsalane kwihlabathi. Kwisiseko sonyaka omnye, iCIIE yalo nyaka inengeniso eyongezelekayo ye-US $70.72 yebhiliyoni.
Ukuze kusebenze ababonisi kunye nabathengi ekhaya nakwamanye amazwe, amaziko ebhanki ayaqhubeka etyebisa kwaye ephucula iinkqubo zemveliso yemali enqamleza imida, kunye nokudala iinkonzo zezimali ezidibeneyo eziwela imida ekhaya nakwamanye amazwe. Kuyabonakala ukuba i-CIIE ayizange ibe yindawo yokubonisa ephakathi kwimpahla yasekhaya nakwamanye amazwe, kodwa kwakhona "ifestile yokubonisa" yokujula kunye nokuvuselela iinkonzo zemali ezinqamlezileyo zamaziko ebhanki.
Kwiinyanga ezili-10 zokuqala zalo nyaka, i-China iyonke yokungenisa kunye nokuthunyelwa ngaphandle kwenyuka i-31.9 yeepesenti ngonyaka ngonyaka, idatha evela kuLawulo oluPhambili lweCustoms lubonise. Kuyabonakala ukuba ngokukhula kweTshayina ekuvulekeni kwenqanaba eliphezulu kunye nokukhula okuthe gqolo korhwebo lwamazwe ngamazwe, ishishini lezemali eliwela imida yoshishino lweebhanki lingene kwindlela ekhawulezayo yophuhliso. Iinkonzo zezemali ezinqamlezileyo ezimele "i-one-stop", "i-intanethi" kunye ne "straight-through" ziba zifikeleleke kwaye zisebenziseka lula.
"Imali enqamleze imida, ejolise ekunikezeni inqanaba eliphezulu lokuvula, ngokuqinisekileyo iya kwamkela indawo ebanzi yophuhliso kunye namathemba." Kudliwano-ndlebe kunye ne-Financial Times, uZheng Chenyang, umlingani we-postdoctoral kwi-Bank of China Research Institute, wathi iibhanki zorhwebo kufuneka ziqhubeke nokuphucula umgangatho kunye nokusebenza kakuhle kweenkonzo zezimali eziwela umda njengoko urhwebo lwehlabathi lubeka iimfuno eziphezulu kwimida. iinkonzo zemali.
Ukuveliswa kwezinto ezintsha kuphawu kwaye kuchanekile ngokwaneleyo
Intatheli yafunda ukuba kukho iintlobo ngeentlobo zeemveliso zokwahlulwahlulwa kwezemali, kodwa zonke zahlukile kwenye. Zonke zidityaniswe kwiinkonzo ezintathu ezisisiseko "zotshintshiselwano", "utshintshiselwano" kunye "nokuxhaswa ngemali". Kwi-CIIE yalo nyaka, inani leebhanki zaseTshayina lisungule izicwangciso zenkonzo yezemali ezilungiselelweyo ezisekelwe kwiimfuno zokwenyani zamashishini kwaye zenze ezazo iimpawu.
Shwankathela amava eenkonzo zangaphambili zamaxesha amathathu kwi-expo, ibhanki yokuthumela ngaphandle-ngaphandle kulo nyaka iya kuba nesicwangciso sokuphucula ukuya kwinguqulo ye-4.0, ebizwa ngokuba yi-"Yi Hui global", ibalaselisa ezine "ezilula", ezizezi "lula, kulula ukuzonwabela." , kulula ukuyila, kulula ukuyidibanisa ", ukubethelela ubunzulu bemveliso yezemali kunye neenkonzo zokungenisa indawo, njengondoqo wendlela yorhwebo yentsimi yorhwebo lwangaphandle "inqaku, umgca, ubuso" yonke indawo, inkqubo yenkxaso ye-multi-dimensional, Ifanelekile kakhulu kwiimfuno ezahlukeneyo kunye nezobuqu zamashishini ahlukeneyo.
Ezo nkonzo zezimali ziye zabonakala zifunwa ngamandla ngamashishini. Ngokweengxelo, ngokuthembela kwisicwangciso senkonzo yezemali ekhethekileyo ye "Jinborong 2020" ekhutshwe kwi-CiIE yesithathu, iBhanki ye-Export-Import yaseChina ixhase amashishini aphantse abe ngama-2,000 abathengi abangaphezu kwama-300, kunye nebhalansi yeshishini ephantse ibe yi-140 yeebhiliyoni zeeyuan, ebandakanya amazwe angaphezu kwama-40 kunye nemimandla efana neSingapore neMalaysia, eqhuba ngaphezu kwe-570 yeebhiliyoni zeeyuan zokungenisa kunye nokuthunyelwa kwamanye amazwe.
IBhanki yoPhuhliso lwe-Shanghai Pudong iya kudibanisa idijithali, eluhlaza kunye nekhabhoni ephantsi, kunye nokuveliswa kwezinto ezintsha zenzululwazi kunye nezobuchwepheshe kwinkqubo yenkonzo yezemali ye-ciIE. Ngokujonga iimfuno zokuthengwa kwempahla ye-CiIF, siya kuphucula ngakumbi umsebenzi wenkonzo yorhwebo nge-intanethi. Siya kuvula iileta zokungenisa imali ngetyala ngebhanki ye-intanethi, ngaphandle kokungenisa izixhobo zesicelo sephepha ngaphandle kwe-intanethi, kwaye siyayazi inkqubela phambili yeshishini ngexesha langempela, eliphucula kakhulu ukusebenza kakuhle.
IBhanki yaseTshayina igxile ekudityanisweni okunzulu komda, imfundo, ezemidlalo kunye nolwakhiwo lwendawo yesilivere kunye neenkonzo ze-ciIE, idibanisa izixhobo zokwakhiwa kwendawo yendalo, kwaye idale "imali + indawo" imodeli "yokufikelela kwinqanaba elinye kunye nepanoramic. impendulo” nge-ciIE njengondoqo, ukuyila ipharadigm entsha yeenkonzo zezimali zendalo.
Inguqu yedijithali yemali enqumla imida iye yakhawuleziswa
“Ngokusebenzisa umsebenzi wokuthumela imida we-GUANGfa Bank ngokusebenzisa 'ifestile enye' yorhwebo lwamazwe ngamazwe, unokufumana ulwazi lwecustom kunye nolwazi lwemvelaphi yorhwebo ngokucofa kube kanye, nto leyo ephelisa inkqubo yokuphatha ishishini edinayo kwaye yenze ukuthunyelwa kwemali kube ngokufanelekileyo. Intengiselwano yokuqala esiyenzileyo, ukusuka ekungeniseni ingxelo yebhanki ukuya kwintlawulo yokugqibela, ayithathi ngaphezu kwesiqingatha seyure.” Utyalo-mali lokwakhiwa kweTshayina (i-Guangdong) yorhwebo lwamazwe ngamazwe lwe-Co., LTD., uthe.
Kubikwa, ngo-Agasti walo nyaka, ibhanki yophuhliso Guangdong kunye noLawulo Jikelele Customs (ofisi yolawulo port yesizwe) utyikitye isivumelwano ukukhuthaza ngokudibeneyo "ifestile enye" yemali yorhwebo lwamazwe ngamazwe kunye ne-inshurensi, umsebenzi wokwakha umsebenzi wenkonzo kwinqanaba elikhulu ukuya. ukuqonda ukwabelana ngolwazi lwedatha, ukwandisa iinkonzo zezimali kunye nokuqaliswa kwesayensi kunye neteknoloji yesicelo, ukungenisa kunye nokuthumela ngaphandle amashishini anikezela ngeenkonzo ezikumgangatho ophezulu kunye nezilungeleyo, ukukhuthaza ukuququzelela ukucocwa korhwebo.
Kuyafaneleka ukukhankanya ukuba kwimeko yokuqhubeka kokusasazeka kwesi sifo kumazwe angaphandle, amashishini afanelekileyo afuna ngokukhawuleza "akukho qhagamshelwano" kunye "nentlawulo ekhawulezayo" yeenkonzo zezimali eziwela umda. Iqhutywa lukhuphiswano loontanga kunye nemfuno yabathengi, iibhanki zorhwebo zikhawuleza ukusetyenziswa kweempumelelo ze-fintech ukuqonda ukuguqulwa kwedijithali kunye nophuhliso lwemali ewela umda.
“Inkonzo yokuhlaliswa ngokuthe ngqo kwemida enqumla imida” kwiCIIE yalo nyaka itsale umdla worhwebo. Intatheli iyaqonda, ibhanki "imali echasene nokuthutyeleziswa kwemali kunye nenkxaso-mali yokulwa nobunqolobi, ukuphepha irhafu", ngokwesiseko kodwa ngemiyalelo yabathengi ngokuthe ngqo ukujongana ne-akhawunti ye-akhawunti yorhwebo yasekhaya kunye neyorhwebo yangaphandle, i-common cross- I-akhawunti yokuhlaliswa komda we-RMB kunye notshintshiselwano lwe-akhawunti yorhwebo lwamahhala lufanelekile, ngaphandle kwesidingo sokuba abathengi bangenise ezinye izinto, iinkonzo zokuququzelela ngakumbi.
U-Liu Xingya, usekela-mlawuli weNdlunkulu yaseShanghai yeBhanki yaBantu baseChina, uthe amaziko emali kufuneka aphucule izicwangciso zabo zenkonzo kunye neemveliso zemali ngokusekelwe kwiimfuno zababonisi kunye nabathengi ekhaya nakwamanye amazwe, kwaye abonelele ngokubanzi kunye nomgangatho ophezulu wokuwela umda. iinkonzo zemali kuwo onke amaqela eCIIE.
Ukwahluka ukuhlangabezana neemfuno zemali ezinqumla imida
Okwangoku, ezinye iibhanki zaseTshayina ziyaqhubeka nokudibanisa umda wazo okhokelayo kwiinkonzo zezimali eziwela umda. Ngokwengxelo yekota yesithathu yeBhanki yaseChina, ibamba i-41.2% yesabelo semarike kwi-CIPS (inkqubo yokuhlawula umda we-RMB), igcina indawo yokuqala kwimarike. Isixa-mali sokucocwa kwe-RMB enqumla imida ibiyi-464 yetriliyoni yeyuan, inyuke nge-31.69% ngonyaka ngonyaka, igcina inani elihamba phambili kwihlabathi.
Ukujonga kwixesha elizayo, uZheng Chenyang ukholelwa ukuba ukulungiswa komgaqo-nkqubo we-macroeconomic, utshintsho kwisakhiwo sorhwebo lwamazwe ngamazwe, ukuguqulwa kwesakhiwo soshishino kunye nokuphuculwa kunye noluhlu lwezinto ezimisela ulwalathiso lophuhliso lweshishini lezemali eliwela umda. Njengeziko lezemali zebhanki, kuphela ngokuqhubeka ngokuziqhelanisa nezakhono zangaphakathi ezinokuthi zifumane amathuba ekwakhiweni kwendlela entsha yophuhliso.
“Amaziko ebhanki kufuneka aqale aqinise inkonzo entsha yophuhliso lwenkonzo yokubini, asebenzise ngokupheleleyo iimarike ezimbini kunye nemithombo emibini yasekhaya nakwamanye amazwe, abambe amathuba okuvula ngakumbi umgaqo-nkqubo welizwe langaphandle, amakhaya aphezulu alindele ukurhweba ngokukhululekileyo, urhwebo ngokukhululekileyo. izibuko, ilungile, iCanton fair kunye nempahla yorhwebo iya kubonelela ngenkxaso-mali eyomeleleyo kunye nesiqinisekiso seqonga elitsha, Siya kuthabatha ithuba lentsebenziswano yoqoqosho norhwebo lwengingqi efana neBelt and Road Initiative kunye neRCEP ukukhulisa ubeko lwamazwe ngamazwe. ishishini kunye nokwenza nzulu uphuhliso lwamashishini anqumla imida.” Utshilo uZheng Chenyang.
Ukongeza, ukuqhambuka kobhubhane kuye kwaqaqambisa iingenelo zoqoqosho lwedijithali. Urhwebo lwehlabathi lukhawuleza lube yidijithali kunye nobukrelekrele. Umzekelo, i-e-commerce ewela umda iye yaba yinto entsha yokuqhuba ukukhula korhwebo. Iingcali udliwano-ndlebe wavuma ukuba inyathelo elilandelayo, icandelo lebhanki ukwandisa utyalo-mali kwisayensi kunye nobuchwepheshe, ukusetyenziswa kwedatha enkulu, iibhloko chain, ezifana nobuchwepheshe bezemali, kugxilwe kurhwebo lwedijithali, ishishini cross-umda, urhwebo online kunye nezinye iinkalo eziphambili, izakhiwo, iqonga lenkonzo ye-intanethi ye-intanethi ye-intanethi kunye ne-scene, ukuthengiswa kwemveliso ye-intanethi ye-intanethi ye-intanethi, ukuphuhliswa kwe-digital pratt & yezemali kunye nekhonkco lokubonelela ngemali, Ukwenza imodeli entsha yeenkonzo zemali ezinqamlezileyo ngokusebenzisa idijithali.
UZheng Chenyang ugxininise ukuba ukuvulwa kwemali kunye neenkonzo zezemali eziwela umda kufuneka zibambe ubudlelwane phakathi kokunyuswa ngokubanzi kunye neempumelelo eziphambili. Kwiminyaka yakutshanje, indawo enkulu ye-bay ye-guangdong kunye ne-hainan ye-port yasimahla ye-port ye-acceleration ibe "ifestile" yokuvula i-China kwihlabathi langaphandle inokuhambelana nenkxaso-mali ehambelanayo yeeBhanki zayo, urhwebo kunye nokuququzelela utyalo-mali, ukuthengiswa kwe-renminbi cross- iinkonzo zezimali zemida, ezifana nokukhuthazwa kweemveliso ezintsha, isiseko somthengi esiqinileyo, amava eenkonzo.
Ixesha lokuposa: Mar-23-2022