Financial regulatory bureaus, policy banks, large banks, joint-stock banks, foreign banks, direct banks, financial asset management companies, financial asset investment companies, wealth management companies, insurance group (holding) companies, insurance companies, insurance asset management companies, pension management companies, insurance professional intermediaries, and financial holding companies:
In order to thoroughly implement the relevant spirit of the "Opinions of the Central Committee of the Communist Party of China and the State Council on Supporting Fujian to Explore a New Path of Cross Strait Integration Development and Build a Cross Strait Integration Development Demonstration Zone", and to increase the support of the banking and insurance industry for the integration development of the two sides of the Taiwan Strait, the "Several Measures on Supporting Fujian to Build a Cross Strait Integration Development Demonstration Zone by the Banking and Insurance Industry" are now issued to you for serious implementation.
Office of the State Administration of Financial Supervision and Administration
August 20, 2025
(This document is sent to the regulatory sub bureaus and local financial institutions under the jurisdiction of Fujian and Xiamen Financial Regulatory Bureau)
Regarding support for the banking and insurance industries
Several Measures for Fujian to Build a Cross Strait Integration Development Demonstration Zone
In order to implement the relevant spirit of the "Opinions of the Central Committee of the Communist Party of China and the State Council on Supporting Fujian to Explore a New Path for Cross Strait Integration Development and Build a Cross Strait Integration Development Demonstration Zone", increase the support of the banking and insurance industries for cross Strait integration development, and encourage banking and insurance legal entities and branches under Fujian's jurisdiction to continuously improve the quality and efficiency of financial services to Taiwan, the following policy measures are proposed.
1、 Promote the integrated development of banking and insurance industries across the Taiwan Strait, and deepen financial cooperation between Fujian and Taiwan
1. Support eligible Taiwanese banks to establish legal entities and branches in Fujian, and support eligible Taiwanese banks to establish both branches and subsidiaries in Fujian. Encourage eligible financial institutions in Taiwan to invest in Fujian's corporate banks, trust companies, and other institutions.
2. Support Taiwan funded insurance legal entities in mainland China to establish branch offices in Fujian in accordance with the law; Support Taiwan funded banks and insurance institutions to increase capital and expand shares, and enhance their capital strength.
3. Support Fujian banks to reasonably allocate linkage resources with Taiwan, and explore more areas of financial exchange and cooperation between Fujian and Taiwan based on agency clearing, interbank business, and syndicated loan cooperation.
4. Support insurance institutions in Fujian to explore and develop more innovative insurance products with insurance liability covering both sides of the Taiwan Strait.
2、 Improve the quality and efficiency of financial services to Taiwan, and promote the exchange of economic and trade personnel between Fujian and Taiwan
5. Support Fujian's banking and insurance institutions to continuously optimize their financial services to Taiwan, tilt financial resources towards the concentrated areas of Taiwan compatriots and enterprises in Fujian and Taiwan related economic cooperation parks under the premise of compliance with laws and regulations, promote the scale, product differentiation, service facilitation, and equal treatment of financial business for Taiwan compatriots and enterprises in Fujian.
6. Support Fujian banks such as Industrial Bank, Fujian Strait Bank, and Xiamen Bank to continuously optimize and improve their financial service standards for Taiwan compatriots and enterprises, and create exemplary banks that serve Taiwan compatriots and enterprises.
7. Support Fujian banks to increase their support for the integration of the Fujian Taiwan industrial chain and supply chain, and prioritize the funding needs of projects included in the list of major projects for the development of Fujian Taiwan integration. Support the deepening of cooperation in advantageous industries such as electronic information, mechanical equipment, and petrochemicals between Fujian and Taiwan, support the expansion of Taiwan's agricultural and fishery development path in Fujian, and strengthen financial factor guarantees.
8. Insurance institutions that support the establishment of export credit insurance services provide export credit insurance services to Taiwanese funded enterprises in Fujian, reducing export earnings and foreign investment risks.
9. Relying on platforms such as the Fujian Provincial Financial Dispute Resolution Service Center and the Xiamen Local Financial Dispute Mediation Center, we will play a one-stop role in resolving disputes and strengthen the protection of the legitimate rights and interests of Taiwanese financial consumers.
3、 Optimize the financial service experience for Taiwanese compatriots and facilitate their living in Fujian
10. Encourage banks in Fujian to continuously optimize their credit card services and customize graded credit card service projects tailored to the needs of Taiwanese compatriots. Encourage banks in Fujian to optimize their internal processes and improve the efficiency and convenience of small credit card services below 10000 yuan, under the premise of legal compliance and controllable risks.
11. Support banks in Fujian to provide equal housing mortgage loan services for Taiwanese residents who are eligible to purchase houses, while complying with real estate regulation policies, to meet the reasonable needs of Taiwanese residents in Fujian for purchasing self occupied commercial housing.
Encourage banks in Fujian to provide more convenient services for mainland and Taiwan residents to purchase wealth management products under the premise of legal compliance.
13. Support the application and promotion of bank plus convenient services in Fujian, focusing on meeting the financial service needs of the people in Kinmen and Matsu, and helping to build a "same city living circle" in Fuzhou, Matsu, and Xiamen Kinmen.
14. Support the bancassurance institutions in Fujian to actively carry out the adaptation upgrading and transformation of business systems and service equipment, support eligible Taiwanese to use Taiwan residents' mainland travel passes and Taiwan residents' residence cards as valid identity documents, apply for bank accounts, purchase insurance, apply for credit cards, handle credit and other businesses, register and use Internet application platforms and procedures, and enjoy convenient financial services such as account management, transfer and remittance.
15. Support banking and insurance institutions in Fujian to improve the mechanism and guarantee for the exchange and internship of Taiwanese young students, and create a demonstration model for the exchange and internship of Taiwanese young students in mainland financial institutions. Encourage banking and insurance institutions in Fujian to provide more job opportunities for Taiwanese youth.
4、 Comprehensively strengthen financial supervision, effectively prevent and resolve financial risks
16. Coordinate development and security, and carry out risk monitoring and prevention of financial services for Taiwanese compatriots and enterprises. Early identification, early warning, early exposure, and early disposal of risks, strictly adhering to the bottom line of risks. Urge financial institutions to enhance their risk prevention awareness, conduct risk assessments before launching related products and services, continuously monitor risks during business operations, strengthen daily management of credit risk, operational risk, and other business risks, regularly summarize business development, and continuously optimize business processes. At the same time, we will strengthen our assessment of the impact of external risks, timely and properly handle relevant business risks, and promote the steady and orderly implementation of various policy measures.
Attachment: The State Administration of Financial Supervision and Administration of China has issued the "Several Measures for Banking and Insurance Industry to Support Fujian's Construction of a Cross Strait Integration Development Demonstration Zone"
https://www.nfra.gov.cn/cn/view/pages/ItemDetail.html?docId=1222523&itemId=915
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