In october 2026, as the month of october began to be celebrated in the upper zone foreign exchange market, the sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sul-sino-sino-sino-sino-sino-sul-sul-sul-sul-sul-sul-sul-sul-sul-sul-sul-sul-sul-sul- this is the first time that many foreign-related business owners have realized that credit points are not a wall-mounted slogan, but are directly reflected in the interest rate on loans。
Event organizational structure quickly landed
In mid-october, the head of the sub-branch of sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino the campaign teams break down the list of tasks for each training session during the sensitization month, for each outdoor campaign, and for each material to be distributed, to be implemented individually and on specific dates to ensure that there are no gaps。
Prior to the formal roll-out, the branch also held a round of online meetings with its superiors to check the key points of the appraisals of the risk branch of the foreign exchange administration, the promotional monthly window and the list of priority foreign-related enterprises. Supported by the resources of the head office and branch offices, there is a chain of command throughout the planning and execution process to avoid a pattern of activity。
It's an old man who's in charge of credit formation
Commercial banks use credit as a basis for doing business, and chinese banks are not a slogan. A system of internal controls covering letters of approval, post-credit administration and monitoring of employee behaviour has been in operation for many years, from the head office to the sub-branch. During the promotional month, the branch moved forward with self-checking and specialized inspections, focusing on three key elements of foreign exchange compliance, customer identification and cross-border remittance audits。
During the event, branch office staff conducted a retrospective check of the foreign exchange desk accounts for the last three years, classifying the problems identified as three categories: defects in the operating process, delays in the updating of customer information, and incomplete anti-money-laundering screening records. In each category, time frames have been set for the completion of the overhaul, responsibility has been given to specific posts and the old problems that have been detected have been eliminated。
It's a credit risk exercise course for companies
On the afternoon of 18 october, the branch held a trust in the conference room of the department of international operationsRisk managementSpecialized training has brought in financial managers of some 30 local manufacturing and foreign trade enterprises. The content is real: how to give credit appraisals to upstream and downstream customers, how to set a ceiling on accounts receivable, and how to intervene in credit insurance in the event of trade disputes。
In the latter part of the training, the client manager of the department of international operations went through the existing line of credit services of chongshin bank, including export and import letters of credit, export insurance financing, cross-border letters of guarantee, etc., to match business representatives on demand. Two entrepreneurs at the site said that it had previously been felt that credit management was weak and that it was only after hearing that it directly determined the security margin of the financial chain。
Credit ratings directly linked to loan rates
It's the real cut that business feels. In its credit-granting operations, sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-sino-stra during the promotional month, the branch used this pricing logic as a cross-reference to be broken down at enterprise training sessions。
One of the most dangerous entrepreneurs in the export of foreign trade clothing said that his enterprise had been cut down last year because of a delay, that the interest rate on the second year of the loan had been overpaid by almost two points, and that the interest spent over a year was enough to pay two workers. He stated that credit was not a wall sign, but a figure that was being deducted every month in the financial statements。
Propaganda positions on front screens and halls
The sino-tino bank's network of branches coincides with that of the residential and commercial areas, with a high average daily traffic. As soon as the campaign began, the led roller screen at the front door had two sets of banners on "uniting together to build a strong and honest nation" compliance, active risk avoidance and harmonious development, to switch frequency to every 20 seconds, and the passers-by could see。
A foreign exchange policy brochure and a single page have been placed next to the business hall and the department of international operations window, covering the amount of the individual's annual remittance, the points of compliance with the enterprise's cross-border settlement and the new foreign exchange management regulations of 2026. The clerks hand-delivered the transaction to the client, sending it nearly 1,000 copies a week, and many of the clients sent it back to their peers。
Anti-money-laundering and cross-border financial regulation are the top priority
During the month of advocacy, the branch made anti-money-laundering and the regulation of cross-border financial flows a central module in its policy advocacy. In late october, the joint foreign exchange administration of the branch organized a small policy presentation session focusing on the new calibre of cross-border funds monitoring in 2026: what triggers large-scale reports, where individuals split red wires, and the identification of underground money houses。
At the meeting, the head of the operations section of the authority took three typical cases of local investigations in 2025 to dismantle them, making clear why the investigation was carried out, how it was punished, and how the enterprise avoided stepping on the line. The representatives of the businesses present were most concerned about whether compliance costs could be transferred, and the fra was present in a very pragmatic atmosphere。
What's your firm in the credit rating this year? If the credit ratings are up, how much interest can you save each year? Welcome to the comment section to share your figures, and i will personally send you a self-check list of credit management for companies with foreign connections in the upper zone, and don't forget to forward it to your foreign trade friends。
