A garden like environment, elevated corridors, and garden landscapes... Crossing the Hengqin Bridge and 2000 meters away from the Hengqin Port, it is the location of the Hengqin Macao Youth Entrepreneurship Valley, where a large number of innovative enterprises gather, and it is an important window for exchange and cooperation between Hengqin Guangdong Macao Deep Cooperation Zone and Macao. As one of the regions with the highest degree of openness and the strongest economic vitality in China, the construction of the Guangdong Hong Kong Macao Greater Bay Area is rapidly advancing. The connectivity between Guangdong, Hong Kong and Macao continues to deepen, and personnel exchanges are becoming more frequent. Behind this lies a huge cross-border financial service market. What are the pain points for enterprises and people in the Greater Bay Area in cross-border finance? How to build a comprehensive and multi-level financial ecosystem, comprehensively meet the construction of the Greater Bay Area and various financial needs of the people, and provide strong financial support for building a vibrant and internationally competitive first-class bay area and world-class urban agglomeration? In this survey, reporters and financial experts from the banking industry walked into Hengqin, which is only separated by a water bridge from Macau, to find the answer. Assisting enterprises in solving cross-border financial difficulties by visiting and conducting research in the Macao Youth Entrepreneurship Valley is one of the daily tasks of Su Yalong, General Manager of the Company and Institutional Customer Department of the Hengqin Guangdong Macao Deep Cooperation Zone Branch of China Construction Bank. Walking into Xinchao (Zhuhai) Technology Co., Ltd. (hereinafter referred to as "Xinchao") located in the Youth Entrepreneurship Valley of Macau, the company's R&D center is busy in an orderly manner. As a Guangdong Australian joint venture integrated circuit startup established in 2021, Xinchao holds the high-tech "key" of chip design and is one of the typical representatives of technological innovation and entrepreneurship. High tech enterprises often mean high R&D investment. How to improve the efficiency of fund utilization and invest more high-quality resources to focus on core research and development work is not only a practical problem that the chip trend urgently needs to overcome, but also a financial issue that needs to be solved for the Guangdong Hong Kong Macao Greater Bay Area to attract and retain Hong Kong, Australian, and foreign-funded enterprises. "Taking the integrated circuit design and production industry we are in as an example, we have close relationships with overseas companies, and traditional international settlement policies are difficult to support complex transactions," said Ge Yiyi, Secretary of the Board of Directors and Chief Financial Officer of Xinchao. This was once a cross-border financial pain point that the company faced. In the research, financial experts pointed out that in order to deepen the construction of the Guangdong Hong Kong Macao Greater Bay Area in the new stage and enhance the function of smooth domestic circulation and connecting domestic and international dual circulation, it is necessary to solve the cross-border financial difficulties faced by enterprises like Xinchao. Su Yalong stated that in response to the specific situation of chip trends, the Hengqin Guangdong Macao Deep Cooperation Zone Branch of China Construction Bank has innovatively launched the first new offshore international trade settlement business under the chip industry transaction model. "This greatly simplifies the delivery and financial delivery processes, helps to quickly recover funds, and also enables customers to receive our products more quickly," said Ge Yiyi. Ge Yiyi told reporters that the bank also used the financing lease assets formed by purchasing equipment in the form of direct leasing for the chip trend as the first pilot project, realizing the cross-border asset transfer business of financing lease with overseas non bank financial institutions for the first time, reducing financing lease costs for enterprises by nearly 4%. Cross border financial services, born in Macau and growing in Hengqin, are also beneficiaries of the development of the cooperation zone. We