让信贷资金成为城市建设“催化剂”

Core Insights - The Xi'an-Yan'an High-Speed Railway has entered the trial operation phase, highlighting the importance of financial support in infrastructure projects [1] - The construction of urban areas in old revolutionary regions faces significant challenges, including large funding gaps and long return periods, which are particularly evident in Yan'an [1] - The Bank of China’s Shaanxi branch has innovatively shifted its credit approval focus from traditional collateral to the project's social benefits and industrial driving capacity, thus facilitating urban construction [1] Financial Support and Innovation - The effectiveness of financial support for urban construction is not only determined by the scale of funding but also by innovative service models [2] - The Bank of China was the first to provide credit for the Yan'an New Area, significantly reducing the approval time from 20 to 5 working days through a three-tiered coordination mechanism [2] - This rapid response mechanism allows financial resources to align closely with project needs, providing valuable lessons for similar regional developments [2] Transformation of Financial Resources - The ultimate value of financial support in urban construction lies in transforming funding advantages into improved public welfare [2] - The completion of affordable housing, renovation of old urban areas, and enhancement of public services in Yan'an exemplify how financial investments in infrastructure can lead to the provision of public goods [2] - The synergy between financial services and local development is crucial for revitalizing the Yan'an region, demonstrating that finance is more than just capital allocation [2]