大公国际：冰雪经济高质量发展：银行业的赋能路径与实践

Core Insights - The ice and snow economy in China is projected to reach a trillion-level scale, driven by the concept of "even in icy and snowy conditions, there are mountains of gold and silver" [2][14] - By 2025, the number of ice and snow tourism participants and revenue is expected to reach new highs, showcasing strong development momentum [2][14] - The banking industry is encouraged to enhance policy collaboration, product innovation, and technological empowerment to create a multi-layered service system for the long-term development of the ice and snow economy [2][14] Policy and Market Dynamics - Recent national and local policies, such as the "Opinions on High-Quality Development of Ice and Snow Sports" and the "Heilongjiang Province Ice and Snow Economic Development Plan (2022-2030)," have created a historic opportunity for the ice and snow economy [3][15] - The development model of the ice and snow industry has evolved from a single focus on sightseeing to a deep integration of "ice and snow + tourism, culture, sports, and equipment manufacturing" [3][15] - In 2025, the total revenue from national ice and snow tourism is expected to exceed 630 billion yuan, with Heilongjiang Province receiving 116 million tourists, a year-on-year increase of 18% [3][15] Financial Support Mechanisms - The banking sector is crucial for providing long-term, large-scale funding support for major ice and snow infrastructure projects, which require customized financing solutions [4][16] - As of November 2025, the loan balance for ice and snow-related industries in Heilongjiang Province reached 67.3 billion yuan, a year-on-year increase of 14% [4][16] - Local banks are innovating "small and beautiful, scene-based" credit products to support small and micro enterprises in the ice and snow industry, addressing their unique financing challenges [5][17] International Financial Services - The internationalization of the ice and snow economy necessitates the development of local foreign-related financial services [7][19] - Key tourist areas have achieved full coverage of foreign card acceptance, with over 21,000 inbound visitors served and transaction amounts exceeding 320 million yuan in 2025 [7][19] Consumer Market Activation - The banking industry is collaborating with various partners to integrate financial services into the entire ice and snow consumption scene, stimulating market activity through subsidies and installment services [8][20] - The 2024-2025 ice and snow season is projected to see consumer participation and spending exceed 187.5 billion yuan, with ski resort spending reaching 78.6 billion yuan, reflecting a significant growth in consumer engagement [8][20] Digital Financial Integration - The integration of digital technology with financial services is essential for addressing the challenges posed by the seasonal and diversified nature of the ice and snow economy [9][21] - Digital financial solutions are enhancing credit processes and risk management, allowing for real-time monitoring of business performance and cash flow [9][21] - Customized financial products are being developed to meet the diverse consumption needs associated with ice and snow activities, facilitating smoother cash flow for businesses [10][22]