福建海峡银行2024年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 2024

Contents

◾1. Actions taken during the reporting period

◾2. Short- and long-term plans

◾3. Alignment with global agreements

◾4. SBE targets

◾5. Governance overview

◾ 1.ACTIONS TAKEN DURING THE REPORTING PERIOD

Fujian Haixia bank firmly roots in Fuzhou, the capital city of Fujian province, our bank tightly follows the strategic deployment of the provincial and municipal governments to build "Marine Fujian" and "Marine Fuzhou", and practices the Concept of Blue Economy Financial Sustainably. In 2021, our bank joined the United Nations Sustainable Blue Economy Finance Initiative, becoming the third commercial bank joined the Initiative in China. Our bank continuously promotes the integration of blue concepts into business transformation and development and regards Marine finance as the strategic direction for the distinctive and differentiated development of the whole bank. We have completed the mid-term evaluation of The Marine Financial Development Plan 2023-2025, which we further define the goals and implementation paths for marine finance development, and contribute to the high-quality development of Fujian's marine economy.

◾ 2.SHORT- AND LONG-TERM PLANS

The short-term plan to practice the Concept of Blue Economy Financial of our bank is to intensively cultivate marine fisheries, accurately segment customer groups with distinctive products and thoroughly connect the entire industry chain, thus to realize the quality-improving as well as efficiency-increasing of business transformation and development.The long-term plan is to focus  on the extension of the marine industry chain and the financial needs in segmented fields, promoting innovation in marine financial models, contributing financial strength to marine ecological protection.

◾ 3.ALIGNMENT WITH GLOBAL AGREEMENTS

Our bank tightly followed the strategic deployment of the provincial and municipal governments to build "Marine Fujian" and "Marine Fuzhou", and formulated the Marine Financial Development Plan 2023-2025, in which we clearly put forward the marine finance development goal and implementation path, making marine finance as the main direction of distinctive development. As the "one-fish" strategy has been established, we tightly lunched the "Yellow Croaker Loan", "Sea Products Loan" and over 10 different marine related financial products, forms a completed industrial chain financial product system. The total balance of marine finance is CNY 20.2 billion at the end of 2024, increased by 9.17% compared to the previous year, providing almost 2800 financial service to the sea-related clients. Meanwhile, we created the "One Ship" service model, tailored financial products such as "Sea Shipping Loan", "Sea Fishing Loan" and "Fisheries Subsidy Loan" for our local marine clients. By the end of 2024, we had served 17 offshore fishery clients in the province, with a coverage rate exceeding 60%. The fishing vessels of credit-granted offshore fishery enterprises accounted for nearly 80% of the province’s operational vessels. We also provided CNY 350 million in credit support for China's largest and Fujian's first self-built Antarctic krill fishing vessel.

◾ 4.SBE TARGETS

According to the national standard "Classification of Marine and Related Industries" (GB/T20794-2021) drafted by the National Marine Information Center and released by the State Administration for Market Regulation, Our bank has established clear statistical standards for our bank's sea-related business from both the loan subjects and credit investment direction, laying the foundation for business promotion. We optimized the assessment mechanism, setting an overall target of reaching CNY 20 billion in marine financing balance by the end of 2024. The tasks were decomposed and incorporated into various institutional KPIs. We improved supporting policies, focused on key areas of the marine economy, and adopted the "1+4+N" model to construct a "geese formation" pattern for marine finance development, deeply exploring the "one fish" (marine fishery) industrial chain. We explored the creation of specialized marine teams, established Lianjiang Sub-branch, the first marine-themed Sub-branch, and promoted the establishment of Junzhu Sub-branch in Fuzhou Area of China (Fujian) Pilot Free Trade Zone, the bank's first specialized marine Sub-branch. We formulated the service standards for "one sea", proposed and participated in compiling the country's first marine-related green finance standard-Guidelines for Green Finance Support for Sustainable Marine Fisheries, to promote the effective allocation of green financial resources to sustainable marine fisheries.

◾ 5.GOVERNANCE OVERVIEW

We have established a blue financial research group led by the chairman and have been actively promoting the innovative development of maritime businesses. Meanwhile, we have established the marine financial business promotion leadership group made up of bank leaders in charge and staff of relevant departments of head office. Through synergy on head office level, we can coordinate the implementation of marine planning ,carry out various work, and strengthen the execution of marine strategies.

福建海峡银行2024年可持续蓝色经济金融倡议实施情况

目 录

◾1.报告期内所采取的行动

◾2.短期和长期计划

◾3.与全球协议保持一致

◾4.SBE目标

◾5.治理概述

◾1.报告期内所采取的行动

本行坚持立足福州大本营，紧跟省、市建设“海上福建”和“海上福州”的战略部署，持续践行蓝色发展理念,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。本行不断推动蓝色理念融入业务转型发展，将海洋金融作为全行特色化、差异化发展的主要方向，完成《福建海峡银行海洋金融发展规划（2023-2025年）》中期评估，进一步明确海洋金融发展的目标与实施路径,为更好服务福建海洋经济高质量发展贡献海峡力量。

◾2.短期和长期计划

本行践行蓝色金融的短期计划是精耕海洋渔业，细分客群搭配特色产品，贯通全产业链，实现业务转型发展的提质增效。长期计划是着眼海洋产业链延伸及细分领域金融需求，推进海洋金融模式创新，在海洋生态保护中贡献金融力量。

◾3.与全球协议保持一致

本行紧跟省、市建设“海上福建”和“海上福州”的战略部署，制定海洋金融三年发展规划，不断推动蓝色理念融入业务转型发展，将海洋金融作为特色化发展的主要方向。构建“一条鱼”服务链条，推出“黄鱼贷”“海产贷”等10余种适用于不同类型、不同场景的涉海金融产品，形成“一条鱼”全产业链金融产品体系，截至2024年末，涉海融资余额202亿元，较年初增幅9.17%，服务涉海客户近2800户；创新“一艘船”服务模式，为全省远洋渔业客户量身定制海运贷、海渔贷、渔补贷等特色金融产品，截至2024年末，累计服务全省远洋渔业客户17户，客户覆盖率超60%，授信远洋渔业企业渔船占全省实际作业船只比例近80%,并为全国最大、福建首艘自主建造的南极磷虾船提供3.5亿元授信支持。

◾4.SBE目标

本行根据国家海洋信息中心起草、国家市场监督管理总局发布的国家标准《海洋及相关产业分类》（GB/T20794-2021），从贷款主体和信贷投向两方面明确建立本行涉海业务统计标准，为业务推动奠定基础。优化考核机制，明确2024年末海洋融资余额达到200亿元的总体目标，任务分解并纳入机构各类KPI考核。完善配套政策，聚焦海洋经济重点领域，采用“1+4+N”模式，构建海洋金融发展“雁阵”格局，做深做透“一条鱼”（海洋渔业）产业链；探索打造海洋特色专营团队，已成立本行首家海洋特色支行-连江支行，推动设立本行首家海洋专营支行-福建自贸试验区福州片区君竹支行；制定“一片海”服务标准，提出并参与编写国内首个涉海绿色金融标准-《绿色金融支持可持续海洋渔业认定指南》，促进绿色金融资源向可持续海洋渔业的有效配置。

◾5.治理概述

本行成立由董事长牵头的蓝色金融课题研究小组，积极推动涉海业务创新发展。同时，本行成立由总行分管行领导为组长，总行相关部门人员组成的海洋金融业务推动领导小组，在总行层面形成合力，统筹推进海洋规划实施及协调开展各项工作，强化海洋战略执行力度。