5 Fen Amoy Industrial Bank

The Amoy Industrial Bank was a Japanese-sponsored institution established during the occupation of Xiamen (Amoy), issuing local scrip to facilitate commerce under military administration. Notes of this series circulated in an environment where multiple competing currencies — Japanese military yen, Federal Reserve Bank notes, and surviving Republican-era issues — all moved simultaneously through the same markets.

The 5 Fen denomination served genuine small-change needs at a moment when coin production had been severely disrupted. Low-denomination occupation scrip of this period was typically used hard and discarded, making survivors in any condition genuinely uncommon.