洞察需求 解侨商融资之渴 清晨，三元桥支行刚开门，华侨客户林先生便前来咨询跨境资产配置业务。他长年往返于中国与东南亚之间从事贸易，是该行"京侨卡"的首批 用户。"在这里办业务不仅顺畅，更有一种亲切感，他们懂华侨的需求。"林先生笑着说。 这样的场景，正是厦门国际银行北京分行深耕"华侨金融"战略的生动缩影。作为总行"北上布局"的关键一子，北京分行自设立之初，便肩负 起"重塑华侨金融旗帜"的使命。 "北京不仅是全国的政治中心、文化中心，更是国际交往中心，侨商侨胞聚集，涉外经济活跃，为我们发挥'侨'的特色提供了广阔舞台。"厦门 国际银行北京分行相关负责人介绍。基于这一洞察，分行率先制定综合金融服务方案，推出个人抵押经营贷、专享结构性存款、跨境结算优惠 等一系列涉侨特色产品，并积极同北京侨商会等侨界组织加强合作交流，担任北京侨商会2025年下半年轮值会长单位，并落地华侨金融服务 站，持续扩展侨界金融生态圈。 三元桥支行坐落于首都机场高速起点，是众多侨胞归国的"首站"，配备英语专员、翻译设备及侨胞专属通道，致力打造"华侨之家"式服务体 验。截至2024年末，分行已设立15家网点，存贷款规模分别突破1100亿元和600亿元 ...

中证报中证网讯(记者张佳琳)记者近日从厦门国际银行获悉，2025年上半年，厦门国际银行在"华侨金 融+跨境金融"双轮驱动下，深化"五篇大文章+产业专业化"协同发展，表现出"稳中求进、守正创新"的 战略定力和发展韧性。截至2025年6月末，厦门国际银行营业收入同比增长11.19%；净利润同比增长近 6%，净利息收入同比增幅超过30%。在行业净息差普遍承压的背景下，该行2025年以来营业收入、净 利润均实现稳定正增长，显示出其通过差异化特色有效应对周期波动的积极趋势。 锚定服务国家"双循环"新发展格局，厦门国际银行持续打造"商行+投行""跨境+跨界"的特色金融服务体 系，2025年上半年国际业务累计发生额同比增幅近15%。以该行华侨金融数智服务平台"跨境e站通"为 例，该平台支持跨境结算、融资、汇率管理等一站式便利化线上服务。当前，该平台业务发生额超过 1900亿元，其中2025年上半年新增近600亿元，为"一带一路"企业"出海"提供金融助力。 守住风险底线，是一切金融工作的前提。厦门国际银行持续深化集团统一合规管理体系建设，构建"三 道防线+四重管控"的智能风控系统，推进数字化授信审批改革。截至2025年6月末 ...

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 ...