福建海峡银行2025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 2025

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 successfully accomplished the objectives set forth in "Fujian Haixia Bank Marine Finance Development Plan (2023-2025) " and will fully leverage the planning guidance to advance distinctive innovation in marine finance, so as to contribute to the high-quality development of Fujian's marine economy. By the end of 2025, the Bank’s marine-related financing has reached CNY22.4 billion, fulfilling the planned target with a growth rate of 10.59% and has served more than 2,700 marine-related clients.

◾ 2.Short- and long-term plans

The short-term plan to practice the Concept of Blue Economy Financial of our bank is to focus on three priority areas, "one fish, one vessel, one sea". By intensifying its efforts in these sectors, the Bank will provide a full-cycle, integrated financial service ecosystem for marine-related industries, and build core competitive advantages through differentiated and professional services. The long-term plan is to foster a marine finance ecosystem underpinned by financial services and deliver comprehensive empowerment through an integrated model of "financial plus non-financial services".

◾ 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.

First, Fully developed the marine fisheries industry chain. We provide comprehensive financial services covering "the entire industrial chain and multiple scenarios" in ocean fishing, mariculture, cold-chain logistics and other related fields. By the end of 2025, we had served a total of 17 ocean fishing clients across the province, with a client coverage rate exceeding 60%, and an outstanding credit balance of CNY 2.322 billion. We have innovated a service model featuring "chain-based marketing, chain-based risk control and chain-based services" to support enterprises in extending their industrial chains to upstream and downstream sectors, and provide them with a full suite of supply chain financial services. By the end of 2025, the outstanding credit balance for the marine fisheries industrial chain exceeded CNY 10 billion, increased by 3.24%.

Second, Steadily developed and optimized the shipping industry. We launched "Sea Shipping Loan", a tailored financial products, to support high-quality enterprises in bulk cargo transportation, oil transportation, dangerous chemical and other special shipping sectors, as well as container shipping, driving the development of the shipping industry through financial support. By the end of 2025, the outstanding credit to shipping enterprises reached approximately CNY 700 million, increased by 119.17% compared to the previous year. We launched full‑process financial services for shipbuilding, covering ship design and R&D, raw material procurement, vessel construction and others. By the end of 2025, the outstanding credit to shipbuilding enterprises reached approximately CNY 1.3 billion, increased by 19.5%.

Third, invigorated and developed the marine economy. We have innovated "marine+cultural tourism" financial services, using products such as development loans and M&A loans to support cultural and tourism enterprises in expanding and strengthening their operations, while providing supply chain finance for such enterprises. By the end of 2025, the outstanding credit for marine cultural tourism reached approximately CNY 4.3 billion, increased by 29.14%. We provide long-term low-interest loans for offshore wind power construction, wind turbine R&D and manufacturing, and launch products including accounts receivable financing and intellectual property pledge loans for supporting enterprises along the industrial chain. By the end of 2025, the outstanding credit for offshore wind power stood at CNY 50 million.

◾ 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, and we have translated the national industrial standard into implementable financial statistical standards, adhering to the principle of "from the ocean, for the ocean", our bank has established clear statistical standards for our bank's sea-related business from both the loan subjects and credit investment direction. To date, we have achieved accurate standard implementation by refining each transaction into nearly 300 subcategories, laying the foundation for business promotion. 

We keep improving supporting policies and launches the "Five Exclusive Special Services" to boost high-quality development of marine finance. It has formulated a dedicated development plan to clarify development objectives, established a specialized team focused on marine-related business, launched specialized products for marine credit, opened an exclusive approval channel for marine projects, and adopted specialized pricing for marine finance.

We explored the creation of specialized marine teams, promoted the establishment of Ningde branch as the marine-themed branch, and promoted the establishment of Junzhu Sub-branch in Fuzhou Area of China (Fujian) Pilot Free Trade Zone as the first dedicated marine sub-branch and Lianjiang Sub-branch as well as Shishi Sub-branch as the marine-themed Sub-branches.

We 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, and launched our first product integrating both blue finance and green finance attributes-the Green Fishery Loan. By the end of 2025, the outstanding credit commitment amounted to approximately CNY 400 million. We have explored the application and practice of climate risk reduction services in marine finance, and rolled out the nation's first Marine Climate Loan, which has been successfully implemented.

◾ 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.

We have taken the lead in establishing the Fuzhou Marine Financial Industry Chain Party Committee. With Party building as a link, it has comprehensively connected all segments of the marine financial industry chain. By the end of 2025, the industry chain has assembled 127 marine-related entities, 18 member units of the Party Committee, and 89 Party organizations.

福建海峡银行2025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，圆满完成《福建海峡银行海洋金融发展规划（2023-2025年）》规划目标，充分发挥规划引领海洋金融走出一条特色化创新实践之路,为更好服务福建海洋经济高质量发展贡献海峡力量。截至2025年末，本行涉海融资余额224亿元，达成规划目标，增幅10.59%，服务涉海客户超2700户。

◾2.短期和长期计划

本行践行蓝色金融的短期计划是聚焦“一条鱼”“一艘船”“一片海”三大重点领域深耕细作，为涉海产业打造全周期、一体化的金融服务闭环，通过差异化、专业化的服务构建核心竞争优势。长期计划是以金融为纽带，打造海洋金融生态圈，实现“金融服务+非金融服务”的综合赋能。

◾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，制定并落实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。

一是做深做透一条鱼。在远洋捕捞、海水养殖、冷链物流等方面提供“全链条、多场景”的综合金融服务，截至2025年末，累计服务全省远洋捕捞客户17户，客群覆盖率超60%，授信余额23.22亿元。创新“链式营销、链式风控、链式服务”服务模式助力企业向上下游延伸产业链，为企业提供一揽子供应链金融服务，截至2025年末，一条鱼产业链授信余额超100亿元，增幅3.24%。

二是做稳做优一艘船。推出专属产品“海运贷”，支持散货运输企业、油运、危化等特种船运和集装箱运输优质企业，以金融之力推动航运业的发展，截至2025年末，海运企业授信余额约7亿元，增幅119.17%。推出造船全流程金融服务，覆盖船舶设计研发、原材料采购、船舶建造等全过程，截至2025年末，造船企业授信余额约13亿元，增幅19.5%。

三是做活做兴一片海。创新“海洋+文旅”金融服务，运用“开发贷”“并购贷”等产品支持文旅企业做大做强，同时为文旅企业提供供应链金融服务，截至2025年末，海洋文旅授信余额约43亿元，增幅29.14%。为海上风电建设、风机研发制造等提供长期低息贷款，针对产业链上下游配套企业，推出应收账款融资、知识产权质押贷款等产品，截至2025年末，海上风电授信余额5000万元。

◾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），将国家行业标准转化为可执行的金融统计标准，以“取之于海、用之于海”为原则，从贷款主体和信贷投向两方面建立本行涉海业务统计口径，目前已实现逐笔业务细化至近300多个小类的准确贯标，为业务推动奠定基础。

本行持续完善配套政策，创新“五专服务”推进海洋金融高质量发展，编制“专属规划”明确发展目标，成立海洋特色“专属团队”，打造海洋信贷“专属产品”，开辟海洋审批“专属通道”，配套海洋金融“专属定价”。

本行探索打造海洋特色机构，将宁德分行确立为首家海洋特色分行、将福建自贸试验区福州片区君竹支行确立为首家海洋专营支行、将连江支行和石狮支行确立为海洋特色支行。

本行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，并推出本行首个融合蓝色金融和绿色金融双属性的产品——“绿色渔业贷”，截至2025年末，授信余额约4亿元。探索气候风险减量服务在海洋金融领域的应用实践，推出全国首个“海洋气候贷”并实现成功落地。

◾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。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，统筹推动海洋金融规划实施及协调开展各项工作，强化海洋战略执行力度。牵头成立福州市海洋金融产业链党委，以党建为纽带，全方位串联海洋金融产业链各环节，截至2025年末，产业链已汇聚127家涉海单位、18家党委成员单位、89个党组织。