"中国杯"帆船赛上"建行号"扬帆起航。 深圳正全力打造"全球海洋中心城市"。以"蓝色粮仓"为代表的海洋经济，因其对生态可持续发展的内在 追求，本质上是"绿色经济"的重要版图，也是发展"新质生产力"的关键引擎。 然而，这一"绿色"与"新质"兼具的产业，长期以来却面临着传统金融的"干渴"。如何破解"普惠金融"的 堵点？中国建设银行深圳市分行以"产业+数据+金融"的创新逻辑，给出一个破局的"深圳答案"。 困局 传统风控与"普惠"的错位 破局的关键，在于找到了新的信用载体。建行深圳市分行敏锐地发现了"华采大宗"这一数字化渔业平 台。该平台年交易额超百亿元，占据国内1/3的鱿鱼冻品市场，其通过科技创新，将传统、非标的水产 交易"数据化"、"线上化"，是海洋产业"新质生产力"的典型代表。 建行意识到，平台上沉淀的海量真实数据，是比固定资产更可靠的"数据资产"。由此，一场风控革命开 始了：建行深圳市分行果断推动风控逻辑，从"依赖主体信用"转向"信任交易信用"。 这一跃迁，建立在坚实的验证之上。建行团队远赴威海、舟山等地实地调研，并穿透式梳理了产业链。 其创新的风控闭环，牢牢抓住了三个关键点：其一，验证交易真实性：通过平台掌 ...

在深圳加快建设全球海洋中心城市的战略引领下，金融与科技正成为驱动海洋产业高质量发展的重要引 擎。深圳正积极探索以数字化、可持续方式赋能蓝色经济，推动传统渔业向现代化、低碳化转型。 水产行业多年来一直处于信息不透明的贸易阶段，在这种背景下华采海产供应链（深圳）有限公司应运 而生。华采为数字化渔业平台企业，独立研发的"华采大宗"水产品交易平台是国内知名的海产品交易平 台，通过科技创新构建了全球渔业数字化交易网络，为数万家海产上下游企业提供海产品线上挂牌、竞 价交易、全球交割服务。2024年实现超百亿元的年交易额，其中鱿鱼冻品交易额占据国内市场的三分之 一。 中国建设银行深圳市分行（以下简称：深圳建行）与华采海产供应链（深圳）有限公司的合作，正是绿 色金融与海洋经济深度融合的一次创新实践——以数字平台打通产业链信息壁垒，以数据信用重构普惠 金融模式，助力涉海企业扬帆远航、稳健发展，也为深圳构建海洋金融服务体系提供了重要范例。 "中国杯"帆船赛上"建行号"扬帆起航。 破局传统 数字平台解决贷款难题 "以前我们卖鱼，路子特别窄——要么就靠几个熟客照应，要么就眼巴巴等着鱼贩子上门来收。那时候 打交道，全凭人情和电话，方式 ...

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]