2022年福建海峡银行可持续蓝色经济金融倡议实施情况

Fujian Haixia Bank's Implementation Report on Sustainable Blue Economy Finance 

Initiative in 2022 

1.Practicing the concept of sustainable blue economy finance

Marine economy is the powerful driving force for  high-quality development of Fujian Province. The core of sustainable blue economy contains marine ecological protection and sustainable development of marine economy. At present,Fujian is constantly upgrading the traditional marine industry,actively building the system of emerging industry, and promoting the sustainable development of marine economy.The development of blue economy can’t be achieved without financial support.In 2021,Our bank joined the United Nations Sustainable Blue Economy Finance Initiative. As the third commercial bank joined the Initiative in China ,our bank is devoted to make the marine finance take root, explore new modes of financial support for the development of blue economy,and practice the Concept of Blue Economy Financial actively.

On the morning of Feb 17,2022, the Provincial Marine Economy Project Financing Matchmaking Meeting was held in Fuzhou. 

     Our bank has signed a cooperation agreement with Fujian Mintou Deep Sea Aquaculture Equipment Leasing Co.,LTD.with a total amount of CNY 500 million.Our bank's exclusive sea related products--"Marine Fishery Loan","Marine Products Loan","Fishery Supplement Loan" and "Marine Technology Transformation Loan" ,etc.were included in the online products promotion of financial institutions and promoted to the vast number of participating enterprises.

2.Promoting the development of sustainable blue economy finance

In order to boost the construction of marine economy and strengthen marine financial services, our bank tightly followes the strategic deployment of the provincial and municipal governments to build "Marine Fujian" and "Marine Fuzhou",focuses on the blue industry and regards Marine finance as the strategic direction for the distinctive and differentiated development of the whole bank. We have formulated The Marine Financial Development Plan 2023-2025, in which we clearly put forward the marine finance development goal and implementation path. By the end of 2022, the number of sea-related clients has increased by 78.73% compared with the previous year. The balance of sea-related loan has exceeded CNY 12.7 billion, increased by 48.8% compared with the previous year, accounting for 10.21% of general loans, with an increase of 2.19% compared with the beginning of the year.

3.Establish a comprehensive product system for marine finance

Combined with local resource endowment, the research on marine industry segmentation must be strengthened, due to the financial needs of marine enterprises, and the credit support for marine industry should be increased by creation of the exclusive and customized marine products applicable to different types and scenarios. The blue financial product system of "Hai Fu Tong" has been built, and more than 10 exclusive marine products have been launched, including "Sea Fishing Loan" and "Fish Supplement Loan" for pelagic fishery enterprises,"Sea Products Loan" for aquatic product processing and reprocessing enterprises,"Sea Shipping Loan" for marine communications and transportation enterprises, as well as retail products such as "Yellow Croaker Loan" and "Abalone Loan". At the same time, we established our internal performance indicator for marine finance,which will be involved to our branches’ individual performance. Meanwhile, the marketing guideline for marine finance, green channels and related promotion activity have been rolling out in order to increase the enthusiasm in branches’ business development.

Case: Our bank adhering to The Blue Finance Concept Of Sustainable Development continues to provide credit support to Fujian Shenfa Water Co., LTD.,who mainly engaged in the treatment of urban sewage, industrial sewage and household waste. The loan funds are mainly used for the sludge treatment system renovation project of sewage treatment plant in Kemen Economic Zone of Lianjiang County,effectively ensure the sustainable development of the marine environment in Luoyuan Bay. By the end of 2022, the company's loan balance at our bank was CNY 61.75 million in total.

2022年福建海峡银行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

海洋经济是福建高质量发展的强劲动力，可持续蓝色经济的核心是海洋生态保护和可持续的海洋经济发展。当前，福建正不断升级传统海洋产业，积极构建新兴产业体系，推进海洋经济可持续发展。蓝色经济的发展，离不开金融支持，本行于2021年加入联合国《可持续蓝色经济金融倡议》，成为国内第三家加入该倡议的商业银行，以倡议助推海洋金融落地生根，探索金融支持蓝色经济发展的新模式，积极践行蓝色经济金融理念。

       2022年2月17日，全省海洋经济项目融资对接会在福州隆重举行。

     本行与福建省闽投深海养殖装备租赁有限责任公司签订了总金额5亿元的合作协议，本行涉海专属产品——“海渔贷”、“海产贷”、“渔补贷”、“海洋技改贷”等被纳入金融机构的产品线上推介，向广大参会企业进行宣传推介。

二、推动可持续蓝色经济金融发展

为助推海洋经济建设，强化海洋金融服务，本行紧跟省、市建设“海上福建”和“海上福州”的战略部署，将目光锁定在蓝色产业上，将海洋金融作为全行特色化、差异化发展的战略方向，制定了本行《2023-2025年海洋金融发展规划》，明确提出海洋金融发展的目标与实施路径。截至2022年末，全行涉海客户数较上年增加78.73%；涉海贷款余额超127亿元，较上年增幅48.8%，占一般性贷款的比例为10.21%，较年初提升2.19个百分点。

三、构建海洋金融全方位产品体系

结合地方资源禀赋，加强海洋产业细分领域研究，立足涉海企业融资需求，加大海洋产业信贷支持，创新推出适用于不同类型、不同场景、定制化的涉海专属产品，打造“海福通”蓝色金融产品体系，推出十余款涉海专属产品，包括专为远洋捕捞企业打造的专属产品——“海渔贷”和“渔补贷”、专为水产品加工及再加工企业打造的专属产品——“海产贷”、专为海洋交通运输类企业打造的专属产品——“海运贷”等对公产品及“黄鱼贷”“鲍鱼贷”等零售产品。同时，建立本行海洋金融统计标准，将业务指标纳入机构考核，下发海洋金融营销指引，配套专项营销激励政策、开辟审批绿色通道，有效激发分支机构的展业积极性。

案例：本行秉承可持续发展蓝色金融理念，持续开展对福建申发水务有限公司的信贷支持，该公司主营城市污水、工业污水、生活垃圾的处理，贷款资金主要用于连江县可门经济区污水处理厂污泥处理系统改造工程，有效保障了罗源湾内海洋环境的可持续发展。截至2022年末，该企业在本行的贷款余额合计6175万元。