有福之州，群贤毕至；侨智汇聚，共襄盛举。12月2日，以"侨智汇榕·科技兴国"为主题的第三届中国侨 智发展大会农林科技专场会议在福州举办。作为连续三届协办中国侨智大会这一侨界盛会的金融机构， 厦门国际银行受邀出席本次会议。 会上，厦门国际银行福州分行有关负责人作《华侨金融及农业金融服务推介》报告，向海内外120余位 农林科技专家、华侨华人代表及涉农企业家展示了厦门国际银行在"华侨金融"与"科技兴农"领域的战略 布局与深耕成果，发出了"勇当华侨金融服务主力军"的响亮声音。 厦门国际银行福州分行有关负责人作《华侨金融及农业金融服务推介》报告 农业科技的转化与落地，离不开金融"活水"的精准滴灌。厦门国际银行持续加强华侨金融的探索和实 践，贯彻"护侨、助侨、惠侨、暖侨、聚侨"的战略重点，基于全方位的服务体系与减费让利举措，通过 设立国际结算"绿色通道"提升资金流转效率，切实降低侨企综合融资成本。截至2025年9月末，厦门国 际银行已服务涉侨客户近10万户，华侨金融业务量超过2300亿元。这一串数字的背后是厦门国际银行深 耕福建、联通世界的生动实践，也是金融服务实体经济、助力高水平对外开放的真实写照。 本次专场会议重点关 ...

Core Viewpoint - Xiamen International Bank is celebrating its 40th anniversary, marking its journey alongside China's financial reform and development, and emphasizing its commitment to serving local economic growth and international openness [1][2]. Group 1: Historical Development - Established in 1985, Xiamen International Bank has played a crucial role in supporting the development of Xiamen's economy, including providing services to early foreign enterprises and participating in significant infrastructure projects [3]. - The bank transitioned from a Sino-foreign joint venture to a city commercial bank in 2013, enhancing its ability to serve local markets and needs [3]. Group 2: Economic Contributions - The bank focuses on four key economic sectors: digital economy, marine economy, green economy, and cultural tourism, providing tailored financial services to support these areas [4]. - As of September 2025, the bank's loans to the digital economy exceeded 28 billion yuan, while loans to the marine economy grew by 43% year-on-year [4]. - The bank has supported over 3.1 billion yuan in loans to the cultural tourism sector, contributing to high-quality development in Fujian [4]. Group 3: Internationalization and Innovation - Xiamen International Bank has positioned itself as a pioneer in China's financial sector, facilitating cross-border financing and international cooperation [7][9]. - The bank has assisted over 120 Chinese non-financial enterprises in issuing overseas bonds, amounting to over 240 billion yuan [9]. - The bank's integration of technology and finance has led to the successful launch of a new banking system, enhancing operational efficiency and service delivery [9][10]. Group 4: Future Directions - The bank aims to deepen reforms and enhance high-quality development by focusing on specialized financial services and optimizing customer experiences [11]. - As of September 2025, the bank's loans in specialized industries surpassed 120 billion yuan, with a significant portion allocated to new customer segments [11]. - The bank's international business now accounts for over one-third of its operations, reflecting its commitment to becoming a leading player in the global financial landscape [12].

Core Viewpoint - Xiamen International Bank, rooted in the overseas Chinese community, has evolved over 40 years to become a significant player in cross-border financial services, emphasizing the importance of standards and innovation in serving overseas Chinese clients [6][7][12]. Group 1: Historical Background - Established in 1985, Xiamen International Bank was the first Sino-foreign joint venture bank, reflecting the financial aspirations of overseas Chinese [7]. - The bank's founding was influenced by patriotic overseas Chinese, with a mission to serve the financial needs of overseas Chinese and their enterprises [7]. Group 2: Financial Services Development - Over the years, the bank has expanded its services from remittance and settlement to cross-border investment, wealth management, and supply chain services [7]. - In 2021, the bank elevated "overseas Chinese finance" to a strategic priority, establishing specialized departments to enhance service delivery [8]. Group 3: Standardization and Innovation - In 2022, Xiamen International Bank launched the first industry standard for overseas Chinese financial services, marking a significant step towards service maturity [8]. - By September 2025, the bank's overseas Chinese financial business volume reached nearly 230 billion yuan, with almost 100,000 clients benefiting from standardized services [9]. Group 4: Cross-Border Financial Network - The bank has developed a unique cross-border service network that connects mainland China with Hong Kong and Macau, facilitating various financial transactions [10]. - As of September 2025, the bank has assisted over 120 Chinese non-financial enterprises in issuing overseas bonds, amounting to over 240 billion yuan [10]. Group 5: Cultural Integration and Community Engagement - Xiamen International Bank promotes the spirit of Chen Jiageng, integrating it into its corporate culture and community activities, thereby strengthening ties with the overseas Chinese community [11]. - The bank engages in various cultural and educational initiatives, enhancing its connection with overseas Chinese and fostering a sense of belonging [11]. Group 6: Future Directions - The bank aims to construct a new paradigm for cross-border financial services, focusing on integrating overseas Chinese finance with broader economic goals [12]. - Plans include developing innovative financial products tailored for overseas Chinese, enhancing digital service platforms, and supporting green and technology-driven projects [12].

Core Insights - Xiamen International Bank's Beijing branch has established itself as a key player in providing financial services tailored to overseas Chinese and cross-border finance, emphasizing a differentiated development path over the past 18 years [2][3] Group 1: Financial Services for Overseas Chinese - The Beijing branch has developed a comprehensive financial service plan, offering products such as personal mortgage business loans and preferential cross-border settlement services, aimed at meeting the needs of overseas Chinese [3] - The branch has established 15 outlets with a total deposit and loan scale exceeding 110 billion and 60 billion respectively by the end of 2024, showcasing its commitment to high-quality development [3] Group 2: Innovation in Cross-Border Business - The bank has introduced digital financing products like "Guohang Trade e-loan" and "Foreign Trade e-loan," utilizing blockchain and big data technologies to streamline credit approval processes for small and medium-sized foreign trade enterprises [3][4] Group 3: Technology and Green Finance - The bank has focused on technology finance, with a loan balance of 8.318 billion by the end of 2024, significantly enhancing the efficiency of financing processes through digital platforms [6] - Green finance is a priority, with a green loan balance of 4.91 billion, reflecting a nearly 19% year-on-year growth, and the bank has supported various eco-friendly projects through innovative financing tools [7] Group 4: Inclusive Finance and Elderly Services - The bank has launched inclusive financial products like "Dream Loan," with over 16 billion in loans for small and micro enterprises in the past three years, aiming to reduce financing costs [8] - Services for the elderly have been enhanced, with over 49,400 elderly clients served and a deposit scale of 12.378 billion, including dedicated services and facilities [8] Group 5: Supply Chain Financial Services - The bank has implemented a supply chain finance model to address the financing challenges faced by small and medium enterprises, achieving efficient online processing for financing requests [9][10] - The bank collaborates with core enterprises to provide customized financial services, ensuring timely payment of wages for workers during peak demand periods [10] Group 6: Future Outlook - The Beijing branch aims to continue its mission of becoming the preferred bank for overseas Chinese finance, focusing on quality, efficiency, and coordinated development to contribute to the capital's economic growth [10]

Core Insights - Xiamen International Bank is focusing on "Overseas Chinese Finance + Cross-border Finance" to drive growth, achieving an 11.19% year-on-year increase in operating income and nearly 6% growth in net profit by mid-2025, with net interest income rising over 30% [1] - The bank's strategy includes "controlling risks, increasing revenue, and reducing costs," leading to stable profit growth despite challenges from declining LPR and intensified competition [1] Group 1: Financial Performance - As of June 2025, Xiamen International Bank's operating income grew by 11.19% year-on-year, while net profit increased by nearly 6% [1] - The bank's net interest income saw a growth rate exceeding 30%, indicating effective management in a challenging environment [1] - The bank's comprehensive account system and cost-reduction strategies have contributed to a more balanced revenue structure [1] Group 2: Industry Specialization - In the first half of 2025, the bank allocated nearly 76 billion yuan in loans across 53 specialized industry segments, with loans in specialized fields exceeding 100 billion yuan [2] - The bank's focus on integrating supply chain and industrial chain financing has led to a 55% increase in supply chain financial balances since the beginning of the year [2] - The bank's efforts in supporting the upgrade of industries through financial services are evident, with over half of new customer loans directed towards specialized sectors [2] Group 3: International Business and Risk Management - Xiamen International Bank's international business saw a nearly 15% year-on-year increase in transaction volume by mid-2025 [3] - The bank has implemented a robust risk management system, resulting in a 24.5% year-on-year decrease in new non-performing loans [3] - The bank's new customer loan non-performing rate stands at 0.28% since 2023, reinforcing its risk management capabilities [3] Group 4: Technological Empowerment - The bank has integrated artificial intelligence into various risk management areas, achieving over 80% accuracy in its "Tianyan" intelligent warning system [4] - The bank's fraud prevention system has successfully intercepted suspicious transactions amounting to over 10 million yuan in the first half of 2025 [4] - The use of technology in risk management aligns with the bank's commitment to safeguarding customer assets and promoting financial inclusivity [4]

Group 1 - Xiamen International Bank's Beijing branch was established in 2007, focusing on serving the capital's economy and supporting national strategies [1] - The bank transitioned from a Sino-foreign joint venture to a Chinese commercial bank in 2013, marking a significant strategic transformation [1] - As of the end of 2024, the Beijing branch has established 15 outlets, with deposits nearing 110 billion yuan and loans close to 60 billion yuan, indicating robust growth in operational metrics [1] Group 2 - The bank emphasizes technology finance to foster new productive forces, focusing on "4+4" key industry directions, with technology loan balances exceeding 8.3 billion yuan by the end of 2024 [2] - Green finance initiatives have led to a 24% growth in green credit balances, supporting sectors like energy efficiency and clean production [2] - The bank has developed inclusive financial products, with over 16 billion yuan in micro-loans disbursed in the past three years, and has established a one-stop signing center for inclusive loans [2] - The bank aims to be the preferred financial institution for overseas Chinese in Beijing, serving over 2,200 clients with a total business volume exceeding 28 billion yuan [2]

Group 1 - The 30th anniversary celebration of the Beijing Overseas Chinese Chamber of Commerce was held, attended by over 350 guests from various sectors, including government officials and overseas Chinese business leaders [1] - Wang Meng, the president of Xiamen International Bank's Beijing branch, highlighted the bank's extensive financial cooperation with member enterprises and the establishment of a financial service station for overseas Chinese businesses [1][3] - The bank aims to leverage its financial resources and unique overseas Chinese heritage to provide precise and efficient financial services, promoting information sharing and mutual benefits among member enterprises [1][6] Group 2 - Xiamen International Bank emphasizes its overseas Chinese heritage and is committed to building a financial service system with international vision and characteristics of overseas Chinese [3] - The bank showcased its overseas Chinese financial services at the event, enhancing recognition and trust among overseas Chinese businesses [3] - The "Beijing Overseas Chinese Card" was launched, offering various benefits such as account opening discounts and convenient services, reflecting the bank's commitment to meeting the needs of overseas Chinese businesses [3] Group 3 - The celebration marked not only the achievements of the Beijing Overseas Chinese Chamber of Commerce but also the active integration of Xiamen International Bank into the overseas Chinese business ecosystem [6] - Looking ahead, the bank plans to continue leveraging its overseas Chinese heritage and cross-border financial advantages to contribute to the high-quality development of overseas Chinese businesses [6]

被公认的是，中国银行业已进入低利率、低利差时代。从国际经验来看，低利率时代必将催化银行业分化。 善弈者谋势。过去四年，厦门国际银行锚定高质量发展目标，持续推进资产负债表重塑，并围绕"五篇大文章+产业 金融""华侨金融+跨境金融"下好"先手棋"。 截至2024年末，该行资产规模约1.14万亿元，当年营业收入、净利润分别超过155亿元、15亿元，营业收入逐季上 升，全年同比增幅达24.5%，在持续恢复中展现韧性与活力。 在低利率时代的"棋局"中，厦门国际银行正通过战略定力与敏捷落子，在转型中积蓄增长动能，走出穿越周期的长 线布局。 立华侨金融战略 低利率时代，国际化布局往往成为重要的战略选择之一。 作为国内城商行中唯一一家在港澳均拥有全功能附属商业银行的机构,"国际化"是厦门国际银行的天然底色。 其中，通过发挥闽港澳三地协同联动的优势，该行已累计助力超百家中资非金融企业发行境外债，折合人民币超 1800亿元。去年三地机构全行联动业务发生额近817亿元。 值得一提的是，厦门国际银行创新提出华侨金融发展战略，并将"打造'华侨金融优选银行'"写入第五个五年规划 （2021年—2025年）中，视为抢占未来价值制高点的关键 ...