Xin Lang Cai Jing·2026-01-03 23:23Core Viewpoint - The article highlights the integration of traditional cultural heritage with modern financial support, showcasing how specialized loan products are facilitating the preservation and development of intangible cultural heritage in Huangshan, China [1][2][3]. Group 1: Cultural Heritage and Its Preservation - The "Shengzhatang Ancient Oil Press Culture Park" in Huangshan displays nearly a hundred traditional oil extraction tools, emphasizing the rich heritage of Huizhou wood oil craftsmanship [1]. - Yu Hai, a representative inheritor of Huizhou wood oil craftsmanship, established the cultural park in 2008 to promote traditional handcrafts and founded Huangshan Yuxiangyuan Food Co., Ltd. to produce wood-pressed oil [1]. Group 2: Financial Support for Intangible Cultural Heritage - In 2023, China Postal Savings Bank's Huangshan branch launched the "Huizhou Guardian Loan" tailored for inheritors of intangible cultural heritage, offering credit limits based on the level of recognition: up to 3 million yuan for national inheritors, 2 million for provincial, and 1 million for municipal [1][2]. - Other banks, including China Construction Bank and Agricultural Bank of China, have also introduced similar credit products to support intangible cultural heritage [2]. - Financial institutions in Huangshan have provided a total of 430 million yuan in loans to 48 inheritors and 45 enterprises, enabling them to expand operations and invest in new production lines [2]. Group 3: Impact of Financial Products - The introduction of specialized loan products like "Huizhou Guardian Loan" addresses the financing challenges faced by inheritors due to their "light asset and lack of collateral" status, demonstrating the significant role of financial leverage in cultural heritage preservation [3]. - This financial empowerment model serves as a replicable example for sustainable development of intangible cultural heritage [3].