10月12日，中国海关总署公布数据：2018年前三季度，中国货物进出口总值比去年同期增长9.9%，其中，出口同比增长6.5%，达到11.86万亿元。尽管如此，贸易摩擦升级导致的负面预期和不确定性，仍不容乐观。

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为给出口企业减负、增效，提振市场信心，10月8日，国务院常务办公会议决定，从11月1日起，再度调高出口退税率。除了政策上的扶持，重压之下，出口企业还须依靠自身，想法设法开拓新市场，用创新手段优化成本，开源节流成为当下的集体诉求。

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一位外贸企业负责人告诉记者：“对于未来形势，我们还是持谨慎乐观的态度，因为海外市场的真实需求依然旺盛。我们要做的，就是继续开拓市场，控制好成本结构。以前生意好做的时候，对有些成本不敏感，像跨境收款的手续费，汇率波动损失等，每笔订单少则几十美元，多的可能要成百上千美元，以前没有解决方案，也不太在意，但眼下的环境，很多成本都要进行合理控制。”

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近日，由招商局集团领投，向XTransfer注资1000万美元。XTransfer正是为中小企业提供一站式跨境金融服务的公司，为中小出口企业降低交易成本，促进订单合作，目前已有近1万家企业使用了XTransfer提供的离岸账户、本地收款和锁汇等产品。

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XTransfer创始人兼CEO邓国标告诉记者**对于出口企业来说，美国加征关税，包括贸易摩擦带来了市场不确定性，都将影响成本结构，利用创新的金融解决方案，合理地控制成本，将是势在必行。

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受国内外反洗钱等政策的影响，出口企业开设离岸账户已经很困难，不仅要耗时几个月，而且开户成本较高，还有可能被驳回，因为收款效率低，以及交易中的信息不对称，甚至会影响到出口企业接单，而每笔交易的高昂手续费，也被出口企业当做理所当然的成本支出。

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针对这个痛点，XTransfer的离岸账户服务，实现了免费开户、1-3个工作日内极速开立、大陆企业和香港企业只需提交企业基本资料即可开立，切实解决了外贸企业“开户贵，开户慢，开户难”的三大痛点。

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另外，随着越来越多的中小企业涌入外贸行业，碎片式、小额订单正成为外贸订单的新趋势。对于出口商而言，小单意味着风险更低，利润较高，同时也对资金周转能力和小批量生产能力提出更高的要求。他们大多会选择覆盖面广、安全、手续费相对较低的电汇进行收款，但在小额订单的场景下，手续费和到账时效上的问题会尤为突出。

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例如，电汇按笔收费，一笔10万美元的订单，50美元的手续费可能无关痛痒，可对于一笔1000美元的订单，50美元的手续费，即5%的费率，用“切肤之痛”来形容也不为过。通过电汇汇款可能要历经多个中间行，会导致收款时间延迟。一旦出口商收款延迟，等待付款的工厂将延迟货期，等待收货的买家也将延迟收货，最终可能导致订单取消。

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针对这个痛点，XTransfer与总部位于英国的全球跨境支付平台Currencycloud深度合作，推出“本地收款账户”服务以解决出口企业收款慢的问题。出口企业可以免费在美元区和欧元区开立银行账户，该地区的买家可以直接将货款汇至出口商在当地的银行账户，与香港离岸账户相比，由于不需要通过中间行，不涉及货币兑换，本地账户大大提高了到账时效，降低了汇款手续费，更增加了海外买家对出口商的信任值。出口企业很头疼的、低效的接单和交易的环节，变得更快、成本更低。

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对于出口企业来说，还有一大痛点是汇率风险，由于跨境交易周期较长，而且至少要经历一次货币兑换，在此期间的汇率波动，对买卖双方的利润都有直接影响，卖方希望加价，买方希望降价，都想把风险转嫁给对方，如果价格谈不拢，搞不好一单生意就泡汤了，XTransfer提供的汇率锁定产品，可提前锁定汇率，比如一笔50万美元的订单，如果买家60天后付款，目前汇率是6.9，60天后如果汇率变为6.8，那么XTransfer锁定汇率为6.9的话，就可为出口企业避免汇率波动损失5万元人民币，相对这笔订单来说，将增加1-2%的利润。

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中国已成是世界第一大出口国，中小企业对出口的贡献将越来越大，由于缺乏专业的团队和能力，这些本可以获得的收益，却没有收入囊中。XTransfer正是瞄准这一市场痛点，真正帮助出口企业降低成本、增加收益。

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邓国标表示未来，XTransfer将会陆续推出新产品和服务，覆盖海外开户、全球本地收付，到汇兑、汇率风险管理、理财、借贷等一系列金融服务，为出口企业开拓更大的市场保驾护航。

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