The upper course of the Jin is also known as the Xixi (西溪, "West Creek"). It originates in the Daiyun Mountains (zh:戴云山) and flows generally southeast for 180 kilometers (110 mi) into Quanzhou Bay on the Taiwan Strait. East of Nan'an, the Xixi receives its major tributary, the Dongxi (东溪, "East Creek"), from the north. The Jin River develops an estuary as it enters Quanzhou Bay from the west. There, it separates downtown Quanzhou to the north from Jinjiang to its south.
There are 13 towns around the river: Chinyan, Chidian, Chendai, Luoshan, Cizao, Neikeng, Anhai, Dongshi, Yonghe, Yinglin, Longhu, Shenhu and Jinjinchu. Zimao Mountain is also nearby.