Core Viewpoint - The Construction Bank's Fujian Branch is committed to integrating a distinctive financial development culture into its operations, focusing on serving the real economy and contributing to the high-quality development of Fujian's economy through innovative financial products and services [1] Group 1: Financial Services Innovation - The Fujian Branch has established a "Rural Comprehensive Property Trading and Management Service Platform," facilitating a recent forest rights auction that achieved a 112% premium rate [2] - The bank has supported over 160,000 private enterprises, providing comprehensive services including international settlement and cash management, and has assisted in the registration of the first private enterprise "Panda Bond" in the country [2] - The bank has developed specialized services for technology enterprises, with a loan balance exceeding 900 billion yuan for technology-related industries as of May [3] Group 2: Agricultural and Rural Financing - The bank has created a comprehensive financial service plan for the edible mushroom industry in Gutian County, providing over 5 billion yuan in loans to more than 3,200 mushroom farmers [4] - The bank has conducted outreach activities, providing over 530 billion yuan in credit to 66,000 small and micro enterprises, with online inclusive finance accounting for over 94% of its business [4] Group 3: Consumer Finance and Housing Support - The Fujian Branch has implemented a consumer finance initiative, disbursing over 49 billion yuan in personal consumer loans since 2024, focusing on sectors like new energy vehicles and tourism [5] - The bank has also provided 39 billion yuan in personal housing loans, serving 80,000 families, and has introduced the first allocation-type housing loan in Fujian [5] Group 4: Risk Management and Security - The bank has adopted AI-driven financial analysis tools to enhance credit approval processes, generating over 460,000 financial analysis reports since the project's launch in July 2024 [6][7] - The bank has established a comprehensive risk management framework, integrating technology for real-time monitoring and fraud prevention, while actively promoting financial literacy among vulnerable groups [7]

3月14日，"科创积分e贷"产品发布仪式在上杭县举行，福建紫金铜业、太阳铜业、晶旭半导体、晶辉新 材料等在科创领域有着突出成就和发展潜力的企业代表，依次与厦门银行（601187）龙岩上杭支行签署 银企战略合作协议，签约金额达20亿元。 在福建漳平市永福镇花农吕先生的60亩花圃里，君子兰、杜鹃等花卉绿植抽出新绿，充满生机。就在去 年，吕先生因缺少资金扩大花卉种植规模而愁眉不展："前期投入大、资金筹措难，农时不等人啊！"关 键时刻，他了解到了"e龙岩"数字普惠金融服务平台，于是抱着试试看的心态，通过平台向泉州银行龙 岩分行提交贷款申请，仅一天时间就获批50万元信贷资金。"我用这笔资金扩种了20亩花卉，目前长势 良好。"吕先生满脸笑意地说道。 近年来，龙岩市聚焦发展大局、回应民生需求，围绕国家级普惠金融改革试验区建设，不断深化数字普 惠金融的探索实践，将数字普惠延伸至企业车间、乡村田野，努力闯出一条金融助力老区振兴发展、高 质量发展的新路。 数据赋能 金融服务加速度 "e龙岩"数字普惠金融服务平台是龙岩数字普惠金融的一次探索创新。龙岩的这一创新举措，被中国信 息协会列为"数字政府创新优秀案例"，获得福建省十大金融创 ...