2021年可持续蓝色经济金融倡议实施情况

一、践行可持续蓝色经济金融理念

可持续的蓝色经济是一种寻求促进经济增长、环境保护和改善民生，同时确保可持续利用海洋资源的经济。发展蓝色经济，离不开金融服务与金融支持。本行积极响应党中央、福建省和福州市的政策号召，明确将海洋金融作为全行特色化、差异化发展的主攻方向，并于2021年1月27日成为联合国可持续蓝色经济金融倡议全球第31家签署机构。该倡议旨在以金融机构的实际行动积极影响与海洋相关的主流投资、保险和贷款，打造可持续的蓝色经济，支持联合国可持续发展目标（SDGs）的实现。

该倡议由联合国环境规划署金融倡议（UNEP FI）作为管理机构，帮助和引导银行、保险和投资者推动 14条《可持续蓝色经济金融原则》的采纳与落实。这些原则为可持续海洋经济融资提供了指导框架，主要内容包括支持可持续海洋经济发展的投资和项目，识别和重视相关合规情况和风险，对经济、环境、社会效应进行适当披露，积极分享支持可持续海洋经济发展的经验等。

金融机构通过其产品、服务和客户关系可以帮助保卫海洋，为蓝色经济的可持续转型提供资金。该原则的落实将有助于海洋的保护和可持续利用，减少蓝色经济投资风险。加入该倡议既有利于银行自身在绿色金融产品创新、环境和社会风险管理等方面的深化和提升，也可以通过金融服务推动“海洋健康”，加速海洋资源可持续利用和转型，以蓝色经济推动绿色发展。

二、推动可持续蓝色经济金融发展

为助推海洋经济建设，强化海洋经营实体金融服务，探索构建蓝色经济金融服务体系，本行与福建省海洋与渔业局等机构签署了战略合作协议，携手为海洋实体经济提供更加多元、优质的金融服务，致力于不断改善海洋金融生态。

对照可持续蓝色经济金融倡议组织发布的金融机构实用指南，2021年本行持续支持海洋污水治理等项目，保护海洋生态环境；创设“公司+农户水产养殖贷款”“黄鱼贷”等特色产品，积极服务涉海个体融资需求，支持人工养殖，防范过度捕捞，助力海洋生物多样性发展。

 The Reporting on Sustainable Blue Economy Finance Initiative in 2021

1. Practicing the concept of sustainable blue economy finance

A sustainable blue economy is one that seeks to promote economic growth and preserve and improve livelihoods across a range of sectors, while ensuring the sustainable use of marine resources.The development of blue economy needs financial services and financial support. the Bank is actively responding to the policy call of the Central Committee of the CPC, Fujian Province and Fuzhou City, and clearly took marine finance as the main direction of the Bank's characteristic and differentiated development. On 27 January 2021, the Bank became the 31st signatory to the United Nations Sustainable Blue Economy Finance Initiative. The Initiative aims to have a positive impact on ocean-related mainstream investment, insurance and loans with the practical actions of financial institutions, create a sustainable blue economy, and support the realization of the United Nations Sustainable Development Goals (SDGs).

The United Nations Environment Programme Finance Initiative (UNEP FI) is the management organization of the Initiative, to help and guide banks, insurers and investors to promote the adoption and implementation of the 14 Sustainable Blue Economy Finance Principles. These principles provide a guiding framework for sustainable marine economic financing, and cover investments and projects that support sustainable marine economic development, identification of and focus on relevant compliance and risks, appropriate disclosure of economic, environmental and social effects, active sharing of experience in supporting sustainable marine economic development, and other content.

Through their products, services and relationships, financial institutions can help preserve and safeguard oceans, financing the transition to a sustainable blue economy. The implementation of these principles will contribute to the protection and sustainable utilization of the oceans and the reduction of investment risks in the blue economy. Joining the Initiative will not only help banks to deepen and improve their own green financial product innovation, environmental and social risk management, but also promote “Ocean Health” through financial services, accelerate the sustainable utilization and transformation of marine resources, and promote green development with the blue economy.

2. Promoting the development of sustainable blue economy finance

In order to promote the development of the marine economy, strengthen the financial services for marine enterprises, and explore the construction of blue economy service system, the Bank concluded strategic cooperation agreements with Fujian Provincial Bureau of Ocean and Fisheries, etc. We committed to continuously improve the marine financial ecology, and worked together to provide diversified and high-quality financial services for the marine economy. 

In 2021, we continued to support projects such as marine sewage treatment to protect the marine ecological environment, in accordance with the practical guidelines for financial institutions issued by the Sustainable Blue Economy Finance Initiative. The Bank has innovatively launched "Company + Farmer Aquaculture Loan" and "Yellow Croaker Loan" to actively serve the financing needs of sea-related individuals, support artificial breeding, prevent overfishing and develop marine biodiversity.