转自：新华财经 近日，中国银行四川省分行（以下简称：四川中行）参加在四川省成都市举办的2025年全国文化和旅游消费促进活动启动仪式暨国庆消费月主场活动，现场 发布了文旅消费金融惠民及入境消费便利化措施，以激活国庆消费市场活力、支持四川文旅发展。 活动现场，四川中行展示"中行惠出游"文旅消费金融服务，联合全国40余条知名美食街区、旅游平台为消费者带来满减优惠；发放川渝无界信用卡，通过新 用户专属礼包、消费立减券等共同推动文旅消费金融惠民。同时，聚焦境外来华人员消费潜力，推出国内首款跨境综合服务App"来华通"，涵盖签证办理、 入境手续、支付攻略、交通出行、离境退税等功能；在商圈布放多语言AI智能屏、外币兑换机等，共同助力入境消费便利化。 "我们通过对银行网点空间布局进行主题式升级，辅以现代科技构建出可触、可感、可体验的文旅金融空间，打造沉浸式文旅金融体验新场景。"会后，四川 中行工作人员介绍了其辖成都实业街支行"文旅+金融"融合发展模式。这是该行打造的文旅金融前沿阵地、文旅特色网点与金融科技示范馆所在地。网点设 有感智中行、数字人民币创新应用实验室，锦绣天府、安逸四川、文旅融合等主题展区，同时展示了支持文旅产业 ...

Core Viewpoint - The article highlights the innovative financial product "Jinlv Loan" introduced by Fudian Bank, which addresses the financing challenges faced by the hospitality industry in Dali, Yunnan, enabling local guesthouses to expand without traditional collateral requirements [1][2][3] Group 1: Financial Innovation - Fudian Bank launched the "Jinlv Loan" product, which utilizes credit guarantees to overcome traditional collateral limitations, allowing guesthouses to secure loans without physical assets [1] - The loan product offers up to 2 million yuan without collateral, with a focus on the unique characteristics of the Dali hospitality sector [1][2] - A dedicated team was formed to conduct extensive research on 1,200 guesthouses around Erhai Lake, identifying common financing pain points such as lack of collateral and limited operating history [1] Group 2: Economic Impact - Under the support of "Jinlv Loan," local guesthouse owner Zhao Mang opened a second guesthouse, contributing to local employment by hiring nine villagers, with incomes ranging from 3,000 to 8,000 yuan [2] - The guesthouse model has become a significant source of income for the village, enhancing the collective economy through rental income and management fees [2] - As of June 2025, the "Jinlv Loan" balance reached 247 million yuan, serving over 500 tourism-related entities across 16 cities and states in Yunnan [2] Group 3: Broader Industry Development - The collaboration between government and financial institutions has led to the innovation of financial products, expanding service scenarios and promoting a "one chain, one policy" financial service model [3] - These financial services are positioned as a strong engine for the high-quality development of Yunnan's cultural and tourism industry [3]

Core Viewpoint - The event held in Nanchang aimed to inject financial momentum into the cultural and tourism industry in Jiangxi Province through policy promotion and industry-finance connection [1] Financial Support and Agreements - Six banks, including Bank of China Jiangxi Branch, signed agreements with six key cultural and tourism enterprises, with a total credit amount of 8.2 billion yuan [1] - A concentrated industry-finance connection session was organized, where 28 local banks set up consultation booths to provide tailored services to approximately 120 participating cultural and tourism enterprises [1] Market Potential and Financial Innovation - Jiangxi Province boasts rich cultural and tourism resources, a solid industrial foundation, and significant consumer potential, indicating a large market space for cultural and tourism finance [1] - Banks are expected to enhance innovation in financial products and service models within the cultural and tourism sector, aiming to improve the precision and effectiveness of financial services [1]

Group 1 - The event held in Nanchang on August 28 focused on financial support for the cultural and tourism industry in Jiangxi Province, resulting in a total signed credit amount of 8.2 billion yuan [1][2] - Jiangxi's cultural and tourism resources are abundant, with a solid industrial foundation and significant consumer potential, indicating a broad market space and development opportunities for cultural tourism finance [2] - The People's Bank of China Jiangxi Branch emphasized the need for banks to innovate financial products and services in the cultural tourism sector, aiming to attract more low-cost funds for the industry [2][3] Group 2 - The event featured a concentrated financing demand with 118 cultural tourism projects seeking credit financing of 18.7 billion yuan and 33 projects seeking equity financing of 2.4 billion yuan [3] - 28 banking institutions set up consultation booths at the event, providing one-on-one services to 120 participating cultural tourism enterprises, addressing financing challenges effectively [3]

Group 1 - The Guangdong Provincial Department of Culture and Tourism announced the launch of the 2025 Guangdong Cultural and Tourism Promotion Conference series, scheduled for September 12-14 in Guangzhou, aiming to promote high-quality development in the cultural and tourism industry through diversified initiatives [1] - The event will feature the Guangdong International Tourism Industry Expo, which includes four themed exhibition halls and focuses on global tourism destinations, cultural tourism integration, and consumer experiences, showcasing the industry's vitality and potential [1] - The conference aims to stimulate consumption and release the potential of cultural and tourism spending, with a special fund of 20 million yuan allocated for consumer vouchers targeting local residents and tourists [1] Group 2 - Two special sessions will be held during the expo, allowing the public to redeem consumer vouchers through various platforms, with discounts available for specific cultural and tourism products, including up to 200 yuan off for purchases over 999 yuan [2] - The event will also enhance the investment and financing matchmaking conference, focusing on six key areas such as rural revitalization and cultural tourism finance, to improve the professionalism and project matching of the event [2] Group 3 - The 2025 Guangdong-Hong Kong-Macao Greater Bay Area Old Brand (Cultural) Expo will also take place, featuring over 400 exhibitors and aiming to transform cultural memories into consumable tourism content, thereby expanding tourism consumption scenarios [3]