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].

Group 1 - The core viewpoint emphasizes the importance of financial services in supporting the real economy and innovation, particularly for technology-driven small and medium-sized enterprises (SMEs) [2][4] - The company has introduced a specialized financial service plan called "Technology Pass" to address the financing difficulties faced by technology SMEs, focusing on a tailored evaluation system for their unique needs [2][3] - The collaboration with Xiangxin Co., a technology enterprise, highlights the shift from traditional collateral-based financing to more innovative solutions like intellectual property pledge financing [3] Group 2 - The "Credit + Medical" innovation model has been developed to alleviate medical access issues, allowing patients to utilize credit for immediate medical expenses, significantly reducing payment processing time [5] - The "Bailu Consumption Loan" product has been created to meet the financial needs of new citizens in various life stages, facilitating purchases and services such as home decoration and education [5] - The company is actively constructing a rural revitalization financial service system, offering tailored loans for local agricultural products to enhance the economic vitality of rural areas [6][7] Group 3 - The company has streamlined cross-border RMB business processes, enhancing efficiency for enterprises engaged in international trade and financing [8] - A specific case involving a private commodity trading company illustrates the successful implementation of a batch payment function, significantly simplifying the payment process for RMB foreign debts [8] - The overall strategy focuses on providing precise financial support to key sectors and weak links in the economy, contributing to high-quality development [8]