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4月13日,第五届中国国际消费品博览会(以下简称“消博会”)在海南开幕。作为消博会不可或缺的金融服务伙伴,银行业金融机构等紧密结合今年消博会主题,全方位、多方面提供资金、平台、科技、智慧、服务等支持,成为消博会众多参展企业中的“金色”亮点。

作为消博会铂金合作伙伴,农业银行搭建特色展台,升级金融服务,优化支付体验,为此次全球消费盛宴注入了金融活力;作为消博会唯一连续五届全球战略合作伙伴,今年,中国银行继续在招展招商、金融产品、现场服务、配套活动等方面为消博会提供全方位服务支持;交通银行也再度作为消博会全球荣誉合作伙伴,在配套活动、企业磋商、金融服务、志愿者服务等方面发力,为消博会提供全方位服务。

数智展厅成热门科技为金融服务“集赞”

本届消博会,上述银行主展馆均位于热闹繁忙的登陆大厅,提供多种自助服务设备,成为众多参观者驻足参观的热闹场地。

交通银行展馆通过金融服务区、互动体验区等多个功能区的精心布局,集中展示了一系列前沿的数字化金融服务,如黄金销售机、外币兑换机、数字人民币体验、无感支付等,为参观者带来全新体验。《金融时报》记者看到,参观者在智能咖啡机前排成一条长龙,该咖啡机可以根据需要定制饮品,扫码支付1元数字人民币便可享受到醇香浓厚的咖啡;外币兑换机操作非常智能化,不时有外籍观展者竖起大拇指:“可以选择我们国家的语言界面和语音提示,太便捷了!”

农业银行在消博会期间加快智慧场景建设,做好智慧校园、智慧食堂、“薪资管家”等场景拓展,为客户提供便捷高效的金融服务。

中国银行举办“智启未来·融链全球”人工智能(AI)主题金融行业发展趋势分享活动,现场分享AI技术重塑全球金融生态的发展趋势和投资机遇,邀请行业资深人士分享交流行业前沿动态,探讨AI发展浪潮,抢抓全球金融转型变革机遇。

优化支付服务体验营造“无碍”支付环境

在消博会现场,各家金融机构积极践行“支付为民”理念,聚焦“食、住、行、游、购、娱、医”等重点场景,加快推进外卡受理改造,持续提升外卡受理覆盖面,不断优化外卡受理环境。农业银行建立从受理消费前端至后端的支付体系,逐一对接辖内未开通外卡受理功能的POS机商户,开通外卡受理功能;对新增收单商户同步开通外卡支付功能,并做好商户的外卡收银培训,确保功能投得出、用得上,截至目前,可受理外卡重点商户实现海南省全覆盖。此外,坚持网点“应开尽开、便利审核”原则,提供简易开户服务,全方位提升外籍人员开户服务体验。

在交通银行宣传服务台,记者看到,通过面对面指引、投放支持外币现钞兑换成人民币现金及数字人民币功能的外币兑换机等,已搭建起外卡受理、移动支付、现金服务、外币兑换、数字人民币支付的多元化支付体系。场馆外,位于海南国际会展中心附近的交行海口西海岸支行全面升级配套支付服务体系,同时主动为周边经营主体提供上门兑换和到网点“即来即兑”的零钱包服务,实现“现金兜底”。

搭建特色展台助力提振消费行动

消博会是推动国内国际双循环的重要窗口。

记者来到农业银行展台,“融汇自贸新机遇智绘消费新未来”的主题格外醒目。展台精心设置多个特色区域,充分展示了金融与消费深度融合的魅力,为参展嘉宾和观众带来别具一格的体验。在消费信贷咨询专区,农业银行专业团队为客户提供咨询服务,加强客户对消费类贷款的了解。同时,该行抢抓“两新”和政府消费补贴契机,深入开展金融支持消费品以旧换新专项行动,积极做好促消费、惠民生领域金融服务,满足群众对美好生活的需要。加快汽车、家居家装、家电等消费贷款投放,保持消费贷款增长领先势头。持续加大文旅消费、离岛消费等场景布局,强化支付结算、信用卡透支、消费贷款等综合金融服务,助力激发消费潜力。

中国银行始终将服务民生与促进消费紧密结合,加大对健康养老、教育文化等民生消费领域的信贷投放,以金融力量助力消费提质扩容。在消博会现场,张女士通过中国银行手机银行申请,快速获得20万元“中银E贷”纯信用消费贷款额度,张女士说:“要用这笔资金在消博会期间放心轻松购物,真是太方便了。”

交通银行高规格打造“交惠消博购在海南”商圈主题活动。消博会期间,交通银行与海南省旅文厅携手,启动“文旅大戏·海南站”项目,以海南旅文厅“上山、下海、入馆”系列旅游产品为核心,创新融合金融惠民服务与文旅消费场景,通过金融产品创新、文旅消费券发放、特色旅游线路推广等形式,为游客提供“金融+文旅”服务体验,为金融文旅贡献“交行方案”。4月14日,交通银行首发个人贷款整体品牌“交银惠贷”,整合日常消费、购车出行、住房安居、创业经营、农户生产等多个场景,为客户提供全方位、“一站式”的信贷服务。当日,交通银行海南省分行与省内优质商圈、专业批发市场达成战略合作并签署提振消费倡议书,创新打造“一行一圈”服务模式,助力提升自贸港主流核心消费业态的影响力。

升级跨境金融服务护航跨境贸易发展

消博会作为国际消费品贸易的重要平台,吸引了众多外贸企业参与。

面对消博会内外贸融合机遇,农业银行在海南推动“全行办国际业务”战略,依托全球化金融服务网络,聚焦参展商与采购商企业生产经营特点和实际需求,加快跨境金融产品创新和推广,为客户提供贸易融资、跨境结算等“一站式”金融服务。大力推广多功能自由贸易(EF)账户,利用EF账户开发外债、境外放款、融资租赁以及跨“二线”同名划转等应用新场景,持续完善自贸金融服务体系;进一步拓展金融科技在跨境投融资、清算结算、资产管理等领域的全方位应用,全面提升服务质效。

交通银行以“在岸+跨境+离岸”一体化金融服务体系为引擎,为中外客商参展布展、洽谈磋商贡献“交行智慧”。据悉,该行组建了由业务骨干组成的跨境金融服务专家团队,在展会现场为企业提供“一站式”国际业务咨询。从跨境支付结算到外汇风险管理,从离岸账户开立到全球资金调拨……专业团队针对参展商个性化需求,定制贸易融资、汇率避险等综合解决方案,助力企业精准对接国际市场,把握全球商机。

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