金融活水滋养城市文脉（财经眼） ——对福州市金融支持古建筑保护开发利用实践的调查

Core Viewpoint - The article emphasizes the importance of protecting ancient architecture in Fuzhou to preserve cultural heritage and enhance cultural confidence, supported by innovative financial mechanisms to promote tourism and economic development [1][2]. Financial Support for Ancient Architecture - Fuzhou's financial sector has integrated resources to provide strong financial support for the protection of ancient buildings, facilitating high-quality development in the cultural tourism industry [1][2]. - The Fuzhou Rural Commercial Bank provided a special credit of 300,000 yuan to assist in the renovation of an ancient house, demonstrating the role of financial institutions in supporting cultural heritage projects [2][3]. Innovative Financial Mechanisms - Financial institutions in Fuzhou are innovating to address the challenges of high investment costs and long return periods associated with ancient architecture protection projects [3][4]. - The Industrial and Commercial Bank of China provided 125 million yuan in financing leasing for the protection of historical cultural districts, enabling the upgrade of core cultural tourism facilities [3]. - The National Development Bank offered 235 million yuan in medium to long-term loans for ancient house protection projects, addressing the sustainability issues of cultural tourism projects [3][4]. Insurance and Risk Management - Fuzhou has introduced insurance mechanisms to protect ancient buildings, such as the "Ancient House Insurance," which provides coverage against common risks like fire and natural disasters [7][8]. - The insurance model has improved risk management and repair capabilities for ancient structures, with a total insurance amount of 130.369 million yuan for 18 ancient sites [8]. Cultural and Financial Synergy - The integration of traditional culture and financial services has created a unique environment in Fuzhou, attracting various financial institutions and fostering collaboration [9][10]. - The establishment of the Fund Port in the historical district has successfully attracted over 5,000 enterprises and financial institutions, demonstrating the synergy between cultural heritage and modern finance [10]. Future Development Plans - Fuzhou plans to protect approximately 10.98 square kilometers of historical urban areas and 11.43 square kilometers of coordinated environmental zones, with a focus on enhancing the value of existing assets through innovative financial solutions [12]. - The city aims to continue exploring new models for revitalizing historical architecture, leveraging financial resources to sustain cultural heritage [12].