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作者:宗辛 来源:原创 发布日期:08-27

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厦门自贸片区首批出口保理业务落地_我的网站

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一 |     AI摘要      厦门自贸片区依托《国际商业保理操作指引》,落地3笔收单保理业务,覆盖货物贸易、数字服务及对台电商,通过“三方共管账户”模式破解中小微外贸企业回款周期长难题,实现政策红利精准直达。         做外贸的中小微企业,常常面临一个尴尬的局面:订单接了、货发了,可境外客户要90天后才付款。

二 |     Near Lyman, Ukraine — At a secret hide-out deep in a forest near the eastern city of Lyman, Ukrainian forces were caught in the crosshairs of a new line of Russian attack. Our CBS News team huddled in the dugout with the troops, not far from the eastern front line, where Russia was putting them under intense pressure with a barrage of artillery in a bid to stretch Ukraine's resources. Moscow wants to force the Ukrainians to bolster their defenses in the area by pulling soldiers away from their counteroffensive in the south. "We've got a couple of weeks now of very huge combats," U.S.-trained Commander Simon Solatenko told us. He and his elite troops from the Bogun Brigade had been up all night, fending off another Russian assault.

     They're outmanned and outgunned. The Russian forces have almost 10 times more ammunition.
    
                                                     
    
                        Ukraine claims advances on southern front, but landmines slow progress         03:57                            
"They outnumber us with drones. It's a huge problem," Solatenko told us. "But we are fighting… We have no other choice."                 He's lost a friend in the battle, and he's exhausted. "We're holding our line," he told us with a deep sigh. "It is difficult. I can't say our morale is on the top, but we are holding our line and we are standing."The fighting was so close you could smell the gunpowder, Solatenko told us, but they managed yet again to send the Russian soldiers running back in the opposite direction.One thing that has made a difference further along the front line in the region are the U.S. supplied, and controversial, cluster munitions. The Biden administration agreed to send the weapons earlier this summer, as Ukraine's ammunition shortages threatened its counteroffensive.Critics of that decision worry about a weapon that releases dozens of smaller "bomblets," which sometimes fail to explode — posing a deadly threat to civilians as they can linger on the ground long after a conflict ends. That risk has seen more than 120 countries ban the use of the weapons, but not Russia, Ukraine or the United States.                      Commander Musikant of the Bogun Brigade's artillery unit told CBS News they give his forces a crucial advantage: In the absence of air power, cluster munitions enable Ukrainian troops to clear an area quickly, as they can strike a large section of ground using a single shell.We watched as he directed a strike from their control room. With Russian positions in the firing line, Musikant gave the order to unleash one cluster bomb. The gunner out in the field received the order and let it fly, and then he and his men hotfooted it out of there — firing a shell can reveal their position, and they too can become targets.
ukraine-cluster-munitions-cbs.png              
Ukrainian forces fire a U.S.-supplied cluster munition at a Russian position near the front line outside the eastern city of Lyman, amid Russia's ongoing invasion of Ukraine, August 31, 2023.                    CBS News             
The hit was successful.The moral dilemma of using a weapon banned by most countries is not up for debate on the battlefields of Ukraine. The men trying to fend off Russia's invasion believe the cluster bombs are crucial to helping them hold the line, at least for now.The Ukrainian soldiers who spoke to CBS News said the "dud rate" — the number of bomblets that fail to explode — on the American cluster munitions has been very low, claiming they've been almost 100% efficient.White House National Security Council spokesman John Kirby said in July that Ukraine was putting the weapons to use "appropriately."Russia, too, has relied on the controversial bombs during its invasion, and U.S. officials say Moscow has used older versions, with higher dud rates.                                     

三 | 这3个月里,采购款要付、工资要发、新订单的定金也要筹——生意在做,手头却紧巴巴的。

四 | 怎么把“还没到账的回款”变成“今天就能用的现金”?这正是国际保理业务要解决的问题。    日前,依托厦门自贸片区管委会与市委金融办联合出台的《关于促进国际商业保理高质量发展的操作指引》(以下简称《操作指引》),中汇(厦门)商业保理有限公司(以下简称“中汇保理”)联合交通银行厦门分行、中国银行厦门分行,成功落地3笔收单保理业务,惠及3家中小微外贸企业。这标志着厦门自贸片区国际保理业务实现从政策设计到业务实操的实质性突破,政策红利真正从“纸上”落到了企业“账上”。    第一笔业务,聚焦跨关区二手电子产品出口。针对企业从深圳海关将二手电子产品出口到香港的跨关区场景,中汇保理以销售合同、出口报关单和第三方检测报告作为确权依据,在交通银行厦门分行开立三方共管账户,锁定境外回款,并全流程登记公示。这一做法让原本压在出口企业身上90天的账期资金压力被有效缓解,企业得以提前回笼货款、接续新订单。    中汇保理同时将保理服务从货物贸易延伸至数字服务贸易领域。

五 | 以厦门某软件企业向印尼出口系统运维服务为例,中汇保理依据服务合同和进度付款通知书确权,在中国银行厦门分行开立共管账户,提供保理融资支持。这笔融资精准对接企业“人力成本先投入、服务回款后到账”的现金流错配痛点,也实现了厦门自贸片区数字服务贸易国际保理业务零的突破。    中汇保理还积极拓展对台商业保理合作。目前,其对台跨境电商业务共管账户已在厦门中行开立,款项有望近期发放。    这一系列实践的制度“钥匙”,正是今年7月由厦门自贸片区管委会与市委金融办联合发布的《操作指引》。该指引在全国率先创新推出“本外币合一专用监管账户‘三方共管’模式”——在“谁出口、谁收汇”的外汇管理框架下,由开户银行、出口企业和商业保理公司共同管理回款账户,并配套逐笔登记公示制度。这一制度设计,从源头上解决了国际保理业务中长期困扰业界的三大难题:回款控制难、权利公示难、风险隔离难。    此次落地的三笔业务,正是这一制度创新在银行分行体系下的首批实践,不仅打通了政策落地的“最后一百米”,更验证了“共管账户+资金闭环”模式的复制推广价值。

六 |     厦门自贸片区管委会相关负责人表示,下一步将持续推动《操作指引》走深走实,吸引更多保理机构和银行参与其中,不断扩大跨境融资服务覆盖面,为中小微外贸企业“出海”保驾护航,助力厦门加快构建新发展格局节点城市。(厦门日报记者 吴晓菁 通讯员 高菲 陈新忠)。

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