To further accelerate financial innovation, attract financial institutions to establish operations in Fujian, optimize the business environment for the financial sector, and promote the high-quality development of Fujian’s financial industry, the following measures are hereby established.
I. Support for Financial Institutions Operating in Fujian
(1) One-time Settlement Incentive. Support will be provided to newly established or newly introduced local legal-person financial institutions, as well as specialized and functional branches of financial institution headquarters.For local legal-person financial institutions established with the approval of central financial regulatory authorities, a one-time settlement incentive of 3% of paid-in capital, not exceeding 50 million yuan in total, will be granted; for specialized units such as credit card centers, small business credit centers, private banking departments, bill centers, fund operation centers, and precious metals business departments established with the approval of central financial regulatory authorities, a one-time settlement incentive not exceeding 5 million yuan in total will be granted;Functional units of national banking, securities, and insurance institutions’ headquarters—such as big data centers and technology R&D centers—shall be granted a one-time settlement incentive not exceeding 5 million yuan in total. Localities may appropriately grant one-time settlement incentives for newly established branches.
(2) Office Space Incentives. For newly established or newly introduced local legal-person financial institutions, as well as specialized and functional units of financial institution headquarters, those purchasing office space for their own use may receive an incentive equivalent to 0.5% of the property’s original value over a three-year period; those leasing office space for their own use may receive a one-time rental subsidy covering 18 months, equivalent to 40% of the market-guided rental price. The office space subsidy for each institution shall not exceed 10 million yuan.
II. Developing Direct Financing
(3) Support for Corporate Shareholding Reform and Listing. For enterprises included in the annual provincial list of key listing candidates that complete shareholding reform in the same year, the provincial government will provide a one-time reward of 500,000 yuan to subsidize expenses related to corporate restructuring.
(4) Supporting Regional Equity Markets in Accelerating the Development of Taiwanese-Invested Boards. Regional equity markets that list at least 500 new Taiwanese-invested enterprises for display and at least 10 Taiwanese-invested enterprises for official listing each year will receive an annual reward of 5 million yuan from the provincial government. If the targets are not fully met, the reward amount will be calculated proportionally based on the lower of the actual number of enterprises listed for display or officially listed; if the actual completion rate is less than 70%, no reward will be granted.
(5) Support the development of fund clusters.By the end of 2027, for properly operated funds that are newly established or relocated to fund clusters recognized by the Provincial Financial Regulatory Bureau, Department of Finance, Development and Reform Commission, and Fujian Securities Regulatory Bureau and meet certain criteria, the provincial government will allocate the incremental portion of local fiscal revenue—derived from the exit of fund investment projects—to the municipal governments (including the Pingtan Comprehensive Experimental Zone Administrative Committee) where the fund clusters are located. These funds shall be used to support the development of funds within the clusters.
III. Implementation of Operational Contribution Incentives
(6) New Establishment Incentives. For newly established or newly introduced local legal-person financial institutions, as well as specialized or functional branches of financial institution headquarters, local governments may, within five years starting from the year of designation, grant appropriate operational contribution incentives based on the institution’s operational performance and contribution to the local economy.
(7) Development Contribution Incentives. Positive incentives, including public commendations and financial rewards, shall be provided to central financial regulatory authorities and financial institutions stationed in Fujian that demonstrate strong growth momentum, make significant contributions to the local economy, and achieve notable results in serving the real economy.
IV. Regulating the Development of Local Financial Organizations
(8) Guiding the Standardized Development of Financing Guarantee Institutions. Financing guarantee institutions that provide credit enhancement services to small and micro enterprises and entities in the agriculture, rural areas, and farmers sectors shall be granted business risk compensation at rates not exceeding 10‰ and 16‰ of the annual new loan guarantee amount, respectively.For eligible financing guarantee institutions, the guarantee fee income derived from providing financing guarantees for loans and bond issuances to farmers, small enterprises, micro-enterprises, and individual business operators, as well as the re-guarantee fee income derived from providing re-guarantees for the aforementioned financing guarantees, shall be exempt from value-added tax in accordance with national regulations. The policy of waiving provincial-level re-guarantee fees shall continue to be implemented.
(9) Guide the standardized development of various local trading venues. For local trading venues that connect to the Fujian Trading Market Registration and Settlement Center as required, a one-time subsidy will be provided in the year of connection based on the actual connection costs incurred by each venue.
V. Encouraging Commercial Insurance Participation in the Social Security System
(10) Enhance the quality and efficiency of commercial insurance institutions’ participation in medical insurance services. Support participants in the province’s employee basic medical insurance program to use their individual medical accounts to purchase eligible commercial health insurance from commercial insurance companies on a voluntary basis.Explore the sharing of information between commercial health insurance platforms and medical security information platforms in accordance with regulations, and strengthen the application of medical and health big data. For enterprises, the portion of supplementary pension insurance premiums and supplementary medical insurance premiums paid for all employees in their employ, up to 5% of the total employee payroll, may be deducted when calculating taxable income in accordance with national regulations.
VI. Promoting Key Financial Reform Pilots
(11) Support the advancement of financial reform pilot programs. Support the establishment of national-level inclusive finance reform pilot zones, providing up to 10 million yuan in special funds annually. Support the establishment of provincial-level green finance reform pilot zones, providing up to 8 million yuan in special funds annually.Support counties (cities) in conducting pilot programs to guide financial services toward the real economy; five counties (cities) will be selected annually, each receiving up to 5 million yuan in special funds. The Provincial Financial Regulatory Bureau, in conjunction with the Provincial Department of Finance and other relevant departments, will organize performance evaluations, and fiscal incentive funds will be linked to the results of these evaluations.
VII. Supporting the Development of the Rural Financial System
(12) Encourage the extension of financial services to rural areas. Financial institutions are encouraged to fill gaps in rural financial services through various means, such as establishing financial service outlets, service stations, and appointing financial service assistants. Financial institutions demonstrating outstanding performance in rural financial services will be publicly commended and awarded the title of “Fujian Provincial Rural Revitalization Financial Service Star-Rated Institution,” with notification sent to their head offices (parent companies).
VIII. Encouraging Financial Innovation and Supporting Entrepreneurship
(13) Continue to conduct the “Financial Innovation” project selection. Each year, one Category I “Financial Innovation” project (awarded 500,000 yuan), three Category II projects (awarded 300,000 yuan each), and six Category III projects (awarded 100,000 yuan each) will be selected.
(14) Strengthen policy support for interest subsidies on entrepreneurship guarantee loans. Provide interest subsidy support for entrepreneurship guarantee loans to eligible individuals and small and micro enterprises. For new entrepreneurship guarantee loans issued by financial institutions to individuals and small and micro enterprises, the interest rate shall not exceed LPR + 50 basis points; interest within the range of LPR – 150 basis points shall be borne by the borrower or the borrowing enterprise, while the remaining interest shall be subsidized by fiscal funds at all levels.
IX. Strengthening the Recruitment and Cultivation of Financial Talent
(15) Increase support for high-level talent. For high-level financial talent recognized at the provincial level, relevant departments shall provide support in accordance with regulations regarding settlement allowances, children’s education, health insurance, housing security, tax incentives, and entry-exit and residency conveniences. Local financial regulatory authorities may appoint outstanding financial talent as needed.
(16) Strengthen the Selection and Appointment of Financial Talent. The Provincial Party Committee Organization Department, in conjunction with the Provincial Financial Regulatory Bureau, shall establish a provincial-level financial cadre talent pool. Financial talent shall be included in the scope of provincial-level high-level talent evaluations, and greater efforts shall be made to dispatch financial talent to serve at the municipal and county levels.
(17) Strengthen the reserve of financial talent. Support financial institutions in establishing postdoctoral workstations, mobile stations, and innovation practice bases. For individuals who sign contracts of three years or more with financial institutions within the province after completing their postdoctoral program and who meet the criteria for talent recognition, local authorities shall provide rewards and actively ensure access to schooling for their children and housing for the talent.
X. Optimizing the Financial Ecosystem
(18) Strengthen the credit system. Support the development of rural credit systems and encourage the creation of “inclusive finance credit counties, townships, and villages” through a model of “government leadership, regulatory coordination, and multi-stakeholder participation.”Fully leverage the credit enhancement role of government-backed financing guarantee institutions. Strengthen the development of credit information platforms and promote the sharing and application of public credit information within the financial sector. Promote the “white list and blacklist” system for enterprises in the financial sector, increase penalties for malicious “debt evasion,” and establish a joint incentive mechanism for trustworthy entities and a joint punishment mechanism for those in breach of trust.
(19) Improve financial infrastructure. Explore the establishment of a green finance standards system and build a green project database. Strengthen the application of platforms such as “Jinfu Cloud,” “Xinyidai,” and “Chanrong Cloud.” Promote the integration of fintech with government service platforms; utilize technological means such as big data and information technology to integrate information from market regulation, taxation, finance, and ecological environment sectors, thereby providing big data support for the province’s financial services to the real economy, financial regulation, and risk prevention and control.
(20) Strengthen financial coordination and emergency response. Fully leverage the provincial financial work consultation, coordination, and emergency response mechanism, as well as the local coordination mechanism of the Office of the Financial Stability and Development Committee of the State Council (Fujian Province), to ensure effective emergency reporting, response, and post-incident recovery. Strengthen the monitoring, investigation, and reporting of illegal financial activities, promote early prevention and treatment of risks associated with such activities through collective prevention and control, and effectively prevent and defuse financial risks.
The above provisions shall take effect from the date of issuance and remain valid for a provisional period of three years (except where a specific implementation period is stipulated). In the event of any inconsistency between previous relevant policies and these provisions, these provisions shall prevail. During the validity period, localities may implement more favorable policies—whether existing or newly introduced—whichever is more advantageous.Unless otherwise specified, the incentive funds covered by the policies in this document shall be disbursed by the local finance department in accordance with the principle of territorial jurisdiction; for portions involving provincial fiscal allocations, the provincial finance department shall reimburse them in the same proportion through intergovernmental settlements.
