\n获悉，XTransfer今日推出了为期2个月的首届“外贸普惠金融季”，这是国内第一次推出面向中国外贸企业的金融节——“外贸普惠金融季，千万让利只为你”。\n

\n专注为外贸企业提供一站式跨境金融服务的金融科技公司，XTransfer在外贸行业内已颇有名气。XTransfer成立于2017年，已获批香港MSO牌照和英国API牌照，并已完成美国和加拿大MSB备案，继而在2018年10月完成1000万美元的A轮融资，由招商局集团领投，目前XTransfer的客户数量超过4万家。\n

\n谈及普惠金融，联合国早在2005年就提出此概念，希望“以可负担的成本为有金融服务需求的社会各阶层和群体提供适当、有效的金融服务，小微企业、农民、城镇低收入人群等弱势群体是其重点服务对象”。\n

\n时至今日，在不断探索下，中国的普惠金融已取得阶段性的成绩，再加上金融科技和数字金融的发展，新一轮科技革命和产业变革方兴未艾，数字化浪潮蓬勃兴起，越来越多创造性和适应性的新兴技术、商业模式、以及服务模式渗透到普惠金融的领域。我们能看到这些科技创新技术正推动普惠金融进一步发展。\n

\n历经几十年，传统金融机构的体系已经非常成熟和庞大，但让大象起舞并不容易——从传统金融机构内部直接产生的突破性创新并不多见。更有甚者，传统银行会基于风险和成本的综合考量，不得不将部分中小微企业拒之门外。\n

\n以跨境贸易为例。近年来，随着传统银行频频爆出“亿万级洗钱案”，在监管机构的严苛要求下，银行不得不加强内部的审查，致使外贸企业的离岸账户大幅被关，掀起一股“离岸账户关停潮”。其中，中小微企业因无法像大型企业为银行提供可观的利润，再加上银行对其风险的考量，在此过程中首当其冲。\n

\n但事实上，数字经济时代的中小微企业借助于互联网，正成为跨境贸易中的新主导者，他们值得且需要被平等地、无差别地提供优质的金融服务。\n

\n在金融领域，每一次市场需求变化都会催生新的技术创新服务，我们称这项技术为Fintech。Fintech是指通过技术手段带来的金融创新，包括新的业务模式、产品和流程等。\n

\n离岸账户关停潮下，外贸中小企业在金融服务上的旺盛需求就催生了XTransfer这家金融科技公司。在XTransfer看来，发展普惠金融，重点在于利用科技手段，依托于大数据和互联网技术，将金融服务线上化、规模化，才能真正实现普惠的价值。\n

\nXTransfer利用互联网技术与银行等金融机构对接，将操作流程完全标准化、线上化，在满足反洗钱及合规要求的同时，大大减少了业务处理中的操作成本和a时间成本，同时接入了多个行业领先的服务供应商，高效完成身份认证、风险扫描等工作，可在1-3天内帮助客户极速开立离岸的收款账户，且不需要任何开户费用和账户管理费用。\n

\n成立之初，XTransfer就以“让全球中小企业惠享金融服务“为宗旨，为了让更多的外贸企业免费体验到优质的金融服务，XTransfer于2019年5月6日启动首届“外贸普惠金融季”，派送4,000元提现手续费抵用券给每位新老客户。\n

\n在5月6日到7月5日期间，外贸用户在继续畅享免费收款服务的同时，可以免费结汇提现一百万元!另外，据了解XTransfer也会陆续推出神秘重磅新产品和一系列有趣的线上线下活动，大家可以前往XTransfer官网查看详情。\n

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