[amourdesrondes 2023] Xiamen Bank concentrates on these four aspects

Since the introduction of the “dual carbon” target, banks and other financial industries have responded to the call to exercise fiscal responsibility within the framework of the national “carbon peak and carbon neutral” strategy. Xiamen Bank is no exception and incorporates the concept of green development. We will focus on green finance innovation and service models and continue issuing green bonds.

With the continuous development and strengthening of the green financial product system, Xiamen Bank has launched green credit products such as "photovoltaic loans", PPP project loans and carbon emission secured loans to promote the implementation of green credit projects. In terms of resource conservation, Xiamen Bank has given priority to green financial guarantees. The credit line focuses on supporting key areas such as energy conservation and environmental protection, new energy and new materials, and implements policies such as internal price discounts. In terms of product education, special green credit education is continuously conducted for customer managers to strengthen marketing and service awareness of green projects. According to public information, by the end of September 2022, Xiamen Bank's green loan balance has doubled compared to the growth at the beginning of the year, serving as an important force source for promoting business development and achieving sustainable development.

Introduction of industrial and agricultural services and use of inclusive finance to support rural revitalization

The Rural Revitalization Strategy is a fundamental change in China's economic and social development. Comprehensive promotion of rural revitalization, improvement of the "uncle" financial support and protection system, and improvement of the rural financial service system are the social and social responsibility of financial institutions to undertake. responsibility.

Xiamen Bank lends to certain industrial clusters based on the advantages of geographic resources combined with existing products, stylish and special, fully provides excellent comparative advantages, continues rural production factor financing business, and supports rural areas. Activate land, assets, resources and other factors, actively contribute to the financial work of agriculture, rural areas and services to farmers through measures such as continuous optimization of existing agricultural credit products and innovative financing methods, and effectively increase agricultural intensity; . To provide loans to agriculture, villages and farmers and to increase the efficiency of targeted services "rural and villages".

Especially for the tea-growing industry with Fujian's characteristics, Xiamen Bank has developed a rural revitalization product that promotes the coordinated development of banking and insurance and solves the financing problem of tea farmers and tea companies unable to provide traditional real estate collateral. . It is a product that effectively increases loans and provides "rural credit delivery" service by introducing loan performance guarantee insurance in collaboration with farmers, "agricultural loan support" and insurance companies.

Considering that Zhangzhou Zhangpu Taichuang Park is the first approved by the state, Xiamen Bank further understands the financial needs of Taiwanese farmers in the park through business research, launches the "Taiwan Agricultural Credit Project", and acquires forestry, land rights I did. Credit support is provided through guarantees such as land use rights and management rights, agricultural facility registration certificates, and credit.