飞檐斗拱凌空起，仙阁琼楼入画来。烟台市芝罘区东北部海域，全省重点文旅项目"崆峒胜境"逐步 成形，这将是中国首座仙幻文化主题旅游度假岛。 30年期贷款托起"仙山琼阁" 在滩涂上建起一座座"仙山琼阁"，并非易事。该项目总建筑面积10.26万平方米，计划打造"码头前 导区—八仙街—东游宫—酒店区"的立体游览体系，总融资需求30亿元。 由于投资数额大、回报周期长，很多文旅项目无法以传统模式从银行获得授信，"崆峒胜境"项目也 如此。 山东打造"好客山东文旅工赢贷"金融服务品牌 临沂沂蒙山龟蒙景区是临沂首家5A级景区。"为改善景区接待能力、提升项目体验、丰富消费场 景，景区于去年启动蒙童胜境项目建设，包括文化特色建筑、温泉酒店、智能化酒店、传统作坊等，融 资需求12亿元。"蒙山集团项目负责人公维营介绍，但文旅项目缺少固定资产抵押，如果按照传统授信 标准，往往存在抵押物价值不足、担保方式欠缺等问题，导致融资不畅。 缺少抵质押物怎么办？工商银行山东省分行制定了以景区门票等组合收费权作为还款来源和质押标 的的融资方案。 "工商银行山东省分行、临沂分行和平邑支行三级联动，上门对接项目情况，了解景区运营、项目 建设和融资需求，为项 ...

Group 1: Industry Overview - The cultural and tourism industry is a key engine for expanding domestic demand, promoting consumption, and benefiting people's livelihoods, as well as a crucial link in facilitating the domestic circulation of the economy [1] - During the "May Day" holiday, domestic travel reached 314 million trips, a year-on-year increase of 6.4%, setting a historical record for the same period [1] - Total spending by domestic tourists during the holiday was 180.27 billion yuan, reflecting an 8% year-on-year growth [1] Group 2: Financial Support for Cultural and Tourism Development - Banks are leveraging the "finance + culture and tourism" trend to inject strong momentum into the high-quality development of local cultural and tourism industries [1] - For example, Hengfeng Bank provided a loan of 500,000 yuan to support the transformation of a local guesthouse in Dali, highlighting the financial sector's role in capitalizing on tourism opportunities [2] - Jiangsu Bank launched various promotional activities to attract young consumers, including discounts and themed travel packages, to stimulate cultural tourism consumption [2] Group 3: New Business Models and Digital Innovations - The emergence of generative artificial intelligence products and digital cultural assets is rapidly fostering new business models in the cultural tourism sector [3] - Jiangsu Bank collaborated with Nanjing Museum to launch products that integrate cultural IP resources with financial services, enhancing user interaction and modernizing traditional cultural elements [3] Group 4: Ecological and Cultural Tourism Initiatives - The Qinhai Lake scenic area in Jiangsu attracted numerous visitors during the holiday, showcasing the dual mission of ecological protection and cultural tourism development [4] - Hengfeng Bank provided a 200 million yuan project loan to support ecological restoration efforts in the Qinhai Lake area, demonstrating the financial sector's commitment to sustainable tourism [4] Group 5: Financial Support for the Film Industry - The film industry, being capital-intensive, relies heavily on sufficient funding for development, prompting banks to provide comprehensive financial services across the entire film production and consumption chain [6] - Industrial and Commercial Bank of China has signed strategic cooperation agreements to support the film industry, offering services from production to consumption [6] - Beijing Bank has provided over 40 billion yuan in financial support to more than a thousand film enterprises, establishing a service matrix covering cinema construction, IP incubation, and production [7]