Core Viewpoint - The marine economy has become a significant engine for Xiamen's economic development, with Xiamen Rural Commercial Bank actively constructing a comprehensive, sustainable marine financial service system to support high-quality development [1][3]. Group 1: Marine Economy Development - Xiamen is focused on accelerating the construction of a national marine economy development demonstration zone, aiming to strengthen its marine economy [1]. - The bank is implementing the "Marine Financial Three-Year Action Plan" to integrate its development into the new marine economic landscape of Xiamen [1][3]. - By the end of 2025, the bank aims to support approximately 800 marine economic entities with a loan balance of about 900 million yuan [3]. Group 2: Shipping Industry Support - The shipping industry in Xiamen, which accounts for about 60% of the city's total shipping capacity, faces challenges due to its capital-intensive nature [4]. - Xiamen Rural Commercial Bank has introduced the "Ship Mortgage Loan" product to facilitate financing for shipping companies, breaking traditional financing barriers [5]. - The bank has provided over 500 million yuan in cumulative credit through the "Ship Mortgage Loan" by the end of 2025, supporting several shipping enterprises [5]. Group 3: Aquaculture Financing - The transformation and upgrading of marine fisheries are crucial for the growth of the marine economy, with many aquaculture operators facing financing difficulties due to high initial investments and long return periods [6][8]. - The bank has developed tailored financial products, such as the "Agricultural Credit Fund Guarantee Loan," to support aquaculture operators in their expansion and modernization efforts [8]. - By the end of 2025, the bank's marine fishery loan balance is expected to exceed 400 million yuan, serving around 400 clients [8]. Group 4: Cold Chain and Supply Chain Financing - The Xiamen International Seafood Trading Center has become a key hub for the marine economy, with significant trading volume and a need for effective financing solutions [9][10]. - The bank has innovated a supply chain financing model that allows for inventory financing based on the value of goods stored in cold storage, helping businesses manage seasonal cash flow needs [10][12]. - This financing model has been positively received by local merchants, enabling them to leverage their inventory for operational funding and enhancing their market competitiveness [10][12].