福建出台《福建省金融“五篇大文章”工作方案》

Core Viewpoint - The People's Bank of China Fujian Branch and the Fujian Provincial Financial Office have jointly developed a comprehensive work plan to implement the "Five Major Financial Articles" focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance in Fujian Province, with specific measures outlined to enhance financial support across various sectors [1][16]. Group 1: Technology and Strategic Emerging Industries - The plan emphasizes the need to continuously promote the "Innovation in Fujian" initiative, aiming to increase credit scale while enhancing the quality of financial services [1][20]. - Specific actions include the establishment of specialized institutions, innovation in financial products, and the promotion of technology-related loans, targeting an annual growth rate of 10% for technology-related industry loans from 2025 to 2027 [5][20]. - The plan also aims to improve the knowledge property assessment and circulation system to activate the value of intellectual property as collateral [5][21]. Group 2: Green Finance - The initiative seeks to increase the supply of green and transition finance, with a focus on enhancing the proportion of green loans [2][22]. - Financial institutions are encouraged to innovate products related to environmental rights and to issue green financial bonds [2][22]. - The plan includes measures for improving environmental information disclosure and risk management, gradually reducing the carbon intensity of asset portfolios [8][23]. Group 3: Inclusive Finance - The work plan aims to enhance the inclusive financial system by utilizing monetary policy tools to support small and micro enterprises, particularly in rural areas [2][24]. - It emphasizes the importance of financial services for key employment groups and encourages banks to expand credit access for private enterprises [9][24]. - The plan also includes initiatives to improve financial services in the agricultural sector and support rural revitalization [10][25]. Group 4: Pension Finance - The plan outlines strategies to increase financial support for the elderly, including promoting the development of personal pension products and commercial insurance annuities [2][27]. - Financial institutions are encouraged to enhance their services in the elderly care sector and to provide tailored financial products for rural elderly populations [12][27]. Group 5: Digital Finance - The initiative calls for accelerating the digital transformation of financial institutions, enhancing digital infrastructure, and applying data-driven technologies to improve service quality [3][29]. - It aims to promote the use of digital currency and expects the transaction volume of digital RMB in Fujian to exceed 1 trillion yuan by the end of 2027 [3][29]. - The plan emphasizes the importance of data sharing and collaboration between government and financial institutions to better match financial supply with demand [3][29]. Group 6: Implementation and Support - The plan highlights the need for a coordinated local financial mechanism to ensure the effective implementation of the "Five Major Financial Articles" [3][30]. - It includes measures for policy support, risk management, and performance evaluation to enhance the effectiveness of financial institutions in executing the outlined strategies [3][30][31].