激活文旅生态升级的"动力源"。在可持续旅游领域，该行引导金融机构推动"生态文旅+多元业态"升级 发展。神农架林区积极争取支农支小再贷款2.29亿元，助力林区生态文旅发展。金融机构针对恩施州民 宿产业推出专属"民宿贷"，累计为540余户经营者提供信贷支持1.8亿元，推动民宿产业从单一住宿 向"民宿+研学""民宿+非遗"多元业态转型，让生态资源转化为文旅发展优势，实现"生态美、产业兴、 百姓富"的有机统一。 构建风险补偿的"保障网"。该行推动省内部分地方政府部门建立生物多样性贷款补贴机制，引导金融机 构加大对生物多样性领域的贷款投放，各地形成了多样化的创新实践。十堰市财政局等部门联合推 出"绿色发展贷"政策，引导贷款投向可持续林业领域，将年主营业务收入500万元及以上的入库林业企 业作为重点支持对象，采用"先贷后补"模式，用财政资金为贷款提供年化2%的贴息，为担保费提供年 化1%的补贴。全省生态环境权益交易平台为企业提供一站式申请通道，目前通过该平台申请财政补贴 的企业已达223家，财政贴息支持的贷款总额达30.02亿元。 打造林碳生态价值的"转化器"。在可持续林业领域，该行引导金融机构探索"林权抵押+产业升级" ...

Core Viewpoint - The introduction of the "tree ticket" mechanism in Yongchuan District, Chongqing, allows for the monetization of valuable nanmu resources, enabling financing and investment opportunities while promoting ecological sustainability [3][4]. Group 1: "Tree Ticket" Mechanism Overview - The "tree ticket" is an electronic asset certificate that quantifies the ownership, usage rights, and ecological and economic value of nanmu resources, facilitating their circulation, trading, and pledging [2]. - Yongchuan District has nearly 2 million artificially planted nanmu trees, with Zhangjiawan Forest Farm housing the largest natural secondary forest of nanmu in the country, covering 960 acres [3]. - The "tree ticket" mechanism was launched to address the challenges of long growth cycles and restrictions on harvesting and financing for nanmu, which is a national second-class protected plant [3][4]. Group 2: Implementation and Functionality - The "tree ticket" requires nanmu trees to have a diameter of at least 5 cm, with a registration system being developed that utilizes satellite remote sensing and drone modeling to create a unique digital identity for each tree [4]. - The system generates a growth model for the trees and performs intelligent valuation based on over 20 indicators, including volume increment and carbon sink potential [4]. - The rights associated with the "tree ticket" include the current value of the trees, expected returns, and carbon sink ownership, with a duration aligned with land management rights [4]. Group 3: Impact and Future Developments - The first transaction under this mechanism resulted in a loan of 15 million yuan, with funds allocated for smart irrigation systems, medicinal herb cultivation, and expanding nanmu planting [5]. - The "tree ticket" has demonstrated a positive impact on agricultural practices, such as the "nanmu + tea" intercropping model, enhancing tea quality and providing additional financing options for farmers [5]. - Yongchuan District is working on improving the "tree ticket" system, establishing risk prevention measures, and developing insurance products to protect the rights of "tree ticket" holders [6].