In the vast sea of cross-border finance, few navigators can simultaneously illuminate the stars of demand from both Middle Eastern energy giants and Hong Kong multinational enterprises. Bi Wenyue, Executive Director of the Transportation and Logistics Sector, Corporate Banking Department, Industrial and Commercial Bank of China (Asia) Limited), has, through fifteen years of dedication and innovation, built her professional map upon the coordinates of “Strategic Synergy + High-Level Services.” She has broken through traditional barriers between banks and enterprises, leading both sides from “business cooperation” to “ecological symbiosis,” becoming a shining benchmark in the field of cross-border syndicated and comprehensive financial services.

From Qingdao to Beijing, Dubai to Hong Kong, Bi Wenyue’s career has always centered around “solving complex enterprise demands and deepening strategic bank-enterprise ties.” With originality and foresight, she has constructed a “Strategic Synergy + High-Level Services” value system, elevating bank-enterprise relations from single-point financing cooperation to deep strategic partnerships encompassing cash management, industrial chain integration, and global deployment.

Strategic Synergy: From “Single-Point Cooperation” to “Ecological Symbiosis”

In facing the complex needs of multinational enterprises for resource consolidation and business expansion, Bi Wenyue understands that the key to breakthroughs lies in transforming bank-enterprise relations from transactional to strategic. She took the lead in implementing a “Head Office-to-Head Office” strategic synergy mechanism, spearheading the signing of a strategic cooperation framework between ICBC (Asia) and a global leading transportation enterprise group, establishing a regular dialogue mechanism between the “Bank Head Office Group and Corporate Group.” Under her leadership, both parties, adhering to principles of equality, mutual benefit, and long-term win-win outcomes, jointly outlined a 3–5-year mid- to long-term cooperation blueprint, clearly defining responsibilities and value creation points in cross-border financing, global cash management, and supply chain finance—laying the institutional foundation for deep collaboration.

At the resource integration level, Bi broke through traditional constraints, exploring a model of “mutual empowerment” and ecological co-construction. For instance, in response to a well-known rail transit company operating in over 30 countries, she promoted seamless API integration between the bank and the company’s global financial system, embedding the bank’s advantages in B-end client resources, C-end financial channels, and global exchange rate data into the enterprise ecosystem to support its overseas market expansion. At the same time, she guided the company to include over ten core suppliers into ICBC (Asia)’s settlement system, creating a closed loop of capital flow and information flow among “the bank, the core enterprise, and its upstream and downstream partners.” This mutually empowering strategic ecosystem not only improved the company’s global cash management efficiency by 40%, but also brought multiple high-quality settlement clients to the bank, with deposits exceeding HKD 100 million, achieving a success story of bank-enterprise symbiosis and shared prosperity.

High-Level Service Upgrade: From “Standardized Products” to “Customized Solutions”

Bi Wenyue believes that the essence of high-level service lies in “taking enterprise needs as the core and cultivating differentiated, high-barrier complex service capabilities.” Guided by this philosophy, she designs exclusive financial solutions around clients’ core needs, upgrading traditional banking products into integrated services that span multiple scenarios and full business cycles.

For enterprise industrial chain integration needs, she coordinated with group subsidiaries to establish an industrial M&A fund, supporting enterprises in integrating regional logistics resources and developing new energy transport through equity investment. For example, she designed a “M&A Loan + Lease Financing” package for a leading logistics enterprise, helping it successfully acquire a Hong Kong logistics company and expand its cross-border logistics network. Facing multinational corporations’ global cash management demands, she built a multi-currency, multi-region cross-border cash pool, with Hong Kong as the hub, connecting global payment channels for leading enterprises and enabling centralized management and allocation of USD, EUR, HKD, and offshore RMB funds—saving clients both exchange fees and time costs.

Dedicated Team Assurance: From “Fragmented Service” to “One-Stop, Personalized Support”

To ensure that “Strategic Synergy + High-Level Services” takes root, Bi Wenyue innovatively established a model of “dedicated service platform + expert team,” providing enterprises with one-stop, personalized support. She set up exclusive client groups for leading transportation enterprises, equipping them with cross-functional expert teams covering cash settlement, investment and financing, foreign exchange trading, and legal compliance. The team members, each with over ten years of cross-border finance experience, can respond swiftly to diverse enterprise needs ranging from daily settlements to international M&A transactions.

The team not only provides global cash management services but also interprets local financial policies in real time for enterprises’ overseas project bidding and tailors foreign exchange risk hedging strategies. During major project execution, the team collaborates with ICBC’s local branches to design “Syndicated Loan + FX Derivatives” packages that address funding gaps and exchange rate volatility, ensuring timely project completion. This “dedicated team + personalized service” model has reduced enterprise response time from three working days to under 24 hours, achieving the service philosophy of “one contact point, global response,” with a client satisfaction rate exceeding 98%, becoming a solid pillar for efficient bank-enterprise collaboration.

International Vision Empowerment: From “Regional Service” to “Global Resource Allocation”

With fifteen years of domestic and overseas experience, Bi Wenyue has honed exceptional global resource coordination capabilities and cross-cultural communication acumen. Upholding the mission of serving the Belt and Road Initiative, she actively participates in national strategic projects and major initiatives with global market influence. She precisely matches the diversified needs of enterprises “going global,” realizing the dual empowerment of “financial service + business development.”

From project implementation to ecosystem building, from meeting client needs to leading innovation, Bi Wenyue uses “Strategic Synergy + High-Level Services” as her pen to paint a new chapter of bank-enterprise symbiosis and shared prosperity in the canvas of cross-border finance—contributing Chinese wisdom to the innovative development of global cross-border financial services.

(By Luna Griffin)