在10月15日举办的2025年粤港澳海洋合作发展论坛上，粤港澳三地海洋行业商会、协会和学会共同发布 《粤港澳海洋行业合作倡议书》，提出共建蓝色金融服务联盟等多项务实举措，以金融合作为纽带，推 动湾区海洋产业走向深蓝、竞逐全球。 作为打通海洋产业"高投入、长周期"瓶颈的关键一环，海洋金融正成为粤港澳联动资源、面向国际竞争 的战略抓手。论坛上，澳门海洋学会会长、博士何伟添首次公开倡议，由粵港澳三地联合发起"粤港澳 海洋产业发展基金"，借鉴澳门国际海洋经济集群的成功经验，构建"政府引导、市场运作、国际参与、 产融协同"的资本平台，精准赋能海洋科技企业。 澳门海洋学会会长、博士何伟添。 为实现可持续发展，基金将打破传统政府拨款模式，构建"拨改投"闭环机制：在孵化期（1-2年），联 合香港科技大学（广州）、广东海洋实验室等机构设立"海洋科技加速营"，对种子期企业提供天使基金 支持；在成长期（3-5年），整合金融资源，开发"渔船抵押贷""冷链仓单贷"等特色信贷产品，并利用 央行优惠利率政策降低融资成本；在上市期（5-7年），联动国际资源，助力企业走向国际资本市场， 目标推动15家企业实现IPO，形成"投资-退出-再循环" ...

转自：新华财经 建设银行福建省分行紧扣"活优富美"新福建宏伟蓝图，深化拓展"三争"行动，加大优化金融供给，坚定 不移当好新福建建设的金融主力军，在"十四五"收官之年交出一张亮丽的金融答卷。"十四五"期间，建 行福建省分行累计提供综合融资超4万亿元，为各类市场主体减费让利超330亿元。 "融"出新动能 优化供给润实体 为当好科创企业的"长跑搭档"，建行福建省分行全力推动"五维一体"科技金融服务体系，即围绕客户服 务、业务流程、产品渠道、组织机构、考核评价等五个维度，通过打造全生命周期产品矩阵、推进科技 金融专业化机构、创新全要素数字化评价体系，探索一体化科技金融服务新模式。比如，该行首创 的"技术流""投资流""价值流"评价方法，多维分析企业创新能力，目前已为全省90%以上的国家高新技 术企业全景"画像"。 福建是民营经济大省，民营经济已成为福建经济的重要特色、优势和活力所在。从健全"民企+工商联 +银行"三方合作机制，提供政策解读、融资策划等金融服务，到梳理百强民营企业金融需求，"一户一 策"提供综合金融服务，再到为小微企业、个体工商户等普惠主体"量身定贷"，建行福建省分行广引金 融活水，助力建设新时代民营经 ...

Core Viewpoint - The article highlights the role of SPD Bank's Qingdao branch in supporting the marine economy through innovative financial products and services, enabling the growth of marine-related enterprises in Qingdao [1][5]. Group 1: Support for Marine Enterprises - SPD Bank Qingdao branch has established a "financing task force" to address the financing challenges faced by marine enterprises, particularly small and medium-sized fishing companies [2]. - The bank introduced a "fishing vessel mortgage + sea area usage rights mortgage" combination guarantee model, which successfully provided credit to a key industry player, Rongyuan Fisheries, allowing for the upgrade of its fleet [2][3]. - The bank has served over 1,200 marine enterprises and issued loans exceeding 30 billion yuan by June 2025, demonstrating its commitment to the marine economy [5]. Group 2: Focus on Technology-Driven Marine Enterprises - SPD Bank Qingdao branch has developed a full lifecycle financial service system for technology-driven marine enterprises, supporting their growth from inception to maturity [3]. - The bank created a specialized product system called "Puketech," which includes five key products and seven financial service plans tailored for technology enterprises [3][4]. Group 3: Strengthening Supply Chain Financing - The bank has enhanced its online financing platform to provide supply chain financing solutions for marine enterprises, addressing issues related to collateral and traditional financing methods [4]. - The "N+1+N" financial service plan has been developed to support the upstream and downstream of marine enterprises, utilizing digital products for quick loan disbursement [4]. Group 4: Collaborative Ecosystem Development - SPD Bank Qingdao branch actively builds a "government-bank-enterprise" ecosystem to promote deep integration of blue finance, hosting events and discussions to foster collaboration among marine technology enterprises [6]. - The bank participated in various blue finance activities, including supporting the 13th China Innovation and Entrepreneurship Competition focused on marine technology [6]. Group 5: Long-term Commitment to Marine Economy - Since 2015, SPD Bank Qingdao branch has prioritized the marine economy as a strategic focus, establishing a blue economy financial service center and receiving recognition from national authorities for its initiatives [5][6]. - The opening of a specialized branch for marine finance in 2023 marks a new chapter in the bank's commitment to supporting the blue economy [5].

Core Viewpoint - The development of marine economy in Qingdao is significantly supported by financial services, enabling companies like Luhai Feng to establish advanced marine ranches and logistics systems, thereby enhancing the overall marine industry in the region [1][2][3]. Group 1: Marine Ranch Development - Luhai Feng has invested 1.2 billion yuan to build over 300 intelligent deep-water net cages, capable of harvesting 40 tons of fish each [1]. - The marine ranch covers over 50,000 acres and includes a recreational fishing area of 1,534 hectares, making it the largest marine ranch in Qingdao [2]. - The company has spent over ten years restoring marine ecology by deploying artificial reefs and cultivating seaweed, which has improved fish yield [2]. Group 2: Financial Support - Financial institutions, particularly the Bank of Communications Qingdao Branch, have provided various financial services, including bank loans and cross-border settlements, to support Luhai Feng's operations [1][3]. - The bank has facilitated a syndicate loan for the construction of Luhai Feng's cold chain logistics base, which includes a total cold storage capacity of 600,000 tons [3]. - As of June 2025, the Bank of Communications Qingdao Branch reported a credit balance of 23.771 billion yuan for marine enterprises, an increase of 2.858 billion yuan from the beginning of the year [4]. Group 3: Insurance and Risk Management - Insurance plays a crucial role in supporting the sustainable development of the marine economy, providing essential risk coverage for deep-sea operations [5][6]. - A strategic cooperation agreement was signed between China Pacific Insurance and the National Deep Sea Base Management Center, covering risks up to 1.5 billion yuan for deep-sea equipment and research personnel [6]. - The insurance sector in Qingdao has seen a 25% year-on-year increase in premium income from marine-related insurance, amounting to 310 million yuan [6]. Group 4: Diverse Financial Products - Qingdao has developed a comprehensive marine financial product manual, featuring 177 specialized products from 33 financial institutions, addressing the diverse needs of marine enterprises [7]. - The financial services include specialized loans, blue bonds, project financing, and various types of marine insurance [7]. - As of June 2025, the marine loan balance in Qingdao reached 144.905 billion yuan, reflecting a year-on-year growth of 15.47% [8]. Group 5: Government and Regulatory Support - The Qingdao Financial Regulatory Bureau is actively guiding financial institutions to support high-quality development in the marine economy, including the deployment of financial service specialists to key enterprises [8]. - A financial service expert team has been established to provide comprehensive support, including policy consultation and risk management [8]. - The regulatory body aims to enhance financial policies and explore innovative marine financial products to better serve the marine industry [8].

Core Insights - The People's Bank of China (Shenzhen Branch) reported a significant increase in both deposits and loans in Shenzhen, with total deposits reaching 14.16 trillion yuan and loans at 9.85 trillion yuan by the end of June 2025, marking increases of nearly 600 billion yuan and over 350 billion yuan respectively [1][2] - Shenzhen has established a credit structure with significant balances in technology and inclusive loans, each reaching 2 trillion yuan, and green and digital economy loans at 1 trillion yuan each, positioning it among the top cities in China [1][3] - The issuance of technology innovation bonds has been notable, with 14 bonds issued totaling over 200 billion yuan, supporting various technology enterprises [2][3] Financial Performance - As of June 2025, the average interest rate for new corporate loans in Shenzhen was 2.85%, a decrease of 0.52 percentage points year-on-year, indicating a low financing cost environment [1][2] - The implementation of a series of monetary policy measures, including a reserve requirement ratio cut that released 61.4 billion yuan into the economy, has bolstered support for the real economy [2][3] Sectoral Focus - The credit allocation in Shenzhen is heavily directed towards key sectors such as technology innovation, inclusive small and micro enterprises, and green development, with technology loans at 2.1 trillion yuan and inclusive loans nearing 2 trillion yuan [3][4] - Green finance initiatives have led to a 25.4% increase in loans for green ports, waterways, and shipbuilding, reflecting a strong commitment to sustainable development [3][4] Cross-Border Finance - Shenzhen has seen a significant increase in cross-border RMB transactions, with a total of 27.63 trillion yuan in cross-border payments in the first half of 2025, a year-on-year growth of 24.3% [4][5] - The "Cross-Border Wealth Management Connect" initiative has attracted approximately 30,000 new individual investors, with total cross-border payment amounts reaching 47.2 billion yuan [5][6] Consumer Trends - Foreign consumer spending in Shenzhen has increased significantly, with non-cash payment transactions reaching 85.88 million and 11.81 billion yuan in the first half of 2025, representing year-on-year growth of 29% and 35% respectively [6][7] - The top three source countries for inbound consumption in Shenzhen are South Korea, the United States, and Singapore, contributing nearly 30% of total consumption [6][7]

Core Insights - The establishment of the Shenzhen Marine Financial Alliance aims to accelerate the integration of finance and marine industries, supporting the construction of a global marine center city in Shenzhen [1][2] - The alliance emphasizes a development path of "policy guidance + market operation + ecological collaboration" to enhance the marine financial ecosystem [1] - The first investment and financing matchmaking event facilitated precise connections between financial supply and industry demand, showcasing marine-specific financial products [1] Group 1: Marine Economic Development - Shenzhen's marine production value is projected to reach 540.9 billion yuan in 2024, accounting for 14.7% of the city's GDP, with a year-on-year growth of 5.8% [2] - The city ranks 23rd in the world maritime city rankings and has over 740 licensed financial institutions, with a total market value of 8.66 trillion yuan among 419 A-share listed companies [2] Group 2: Financial Institutions' Role - Financial institutions in Shenzhen are actively supporting marine economic development, with the China Development Bank's Shenzhen branch having a marine financing balance exceeding 30 billion yuan [2] - The Construction Bank's Shenzhen branch has established a dedicated credit limit of 30 billion yuan for the marine sector, covering the entire marine fishery industry chain [2] - The Bank of China and Agricultural Bank jointly issued the first blue bond of 500 million yuan in the Guangdong-Hong Kong-Macao Greater Bay Area to support marine ecological protection and industrial upgrading [2] Group 3: Future Initiatives - The alliance plans to hold at least 1 to 2 investment and financing matchmaking events annually to continuously promote the implementation of credit, equity, and risk protection services for marine enterprises [1] - As the alliance deepens its operations, Shenzhen aims to integrate various financial resources and explore innovative marine financial products and risk protection systems [2]

Core Viewpoint - Marine finance, as an emerging field of green finance, holds significant potential for economic development, particularly in coastal regions like Xiangshan, which is leveraging its marine resources for economic advantages [1][3]. Group 1: Project Overview - The Xiangshan Circular Shipu Port Ecological Environment-Oriented Development (EOD) project has received an 800 million yuan credit approval from the Industrial and Commercial Bank of China (ICBC) Ningbo Branch, with the first loan recently disbursed to support project progress [1][3]. - The total investment for the EOD project is 3 billion yuan, with a 20-year cycle and involving five sub-projects, including the development of a green industry cluster and cultural heritage preservation [3][4]. Group 2: Financial Strategy - ICBC Ningbo Branch is collaborating with policy banks and other state-owned commercial banks to provide financing through a joint loan approach, addressing the project's complexity and lack of mature case studies [4]. - The first loan will be utilized for the renovation and enhancement of the aquatic city, significantly advancing the development of the Shipu green industry cluster [4]. Group 3: Economic Impact - The EOD project aims to transform ecological protection and environmental governance into economically viable projects, addressing the challenge of converting "green mountains and clear waters" into "golden mountains and silver mountains" [3]. - The project is expected to stimulate regional development vitality, promoting a positive cycle among ecological environment, talent, and quality industries, thereby driving economic growth and integration of port, industry, and city [3][4].