"真没想到，景区未来的门票钱也能变成今天发展的本钱！"在获得一笔1.3亿元的长期贷款后，新疆阿 克陶县慕峰旅游发展有限公司负责人感慨道。这笔以景区经营权为质押的创新贷款，如"及时雨"般化解 了克州冰川公园提升改造的资金困境，让这座"西域第一自然生态景观"迎来了发展的春天。 近年来，克孜勒苏柯尔克孜自治州紧紧围绕"旅游兴州"战略，推动文旅产业成为高质量发展的亮丽名 片。"十四五"期间，全州累计接待游客突破4300万余人次，实现旅游收入超174亿元，同比分别增长 44.9%、56.84%。在这份成绩单背后，一股强劲的金融力量不可或缺。中国人民银行克州分行引导辖区 金融机构聚焦产业难点、创新服务模式，为克州从文旅"出圈"走向产业"出众"提供了坚实的金融支撑。 破解"重资产"项目融资瓶颈 文旅项目前期投入大、回收周期长、缺乏传统抵押物，这些共性难题曾制约克州优质文旅资源的开发。 为此，中国人民银行克州分行主动引导金融机构跳出依赖固定资产抵押的传统思维，深入挖掘文旅资产 本身的金融价值。 针对克州冰川公园等核心旅游资源，农行克州分行成功落地全州首笔"保证担保+景区运营权质押"贷 款，将景区未来的经营性现金流转化为当前可 ...

Core Viewpoint - The integration of financial support into the cultural and tourism industry in Ya'an is driving significant growth and development, particularly in the context of the "panda fever" phenomenon [1][2]. Financial Support and Growth - As of May 2025, the loan balance for Ya'an's tourism industry has increased by 26.5% year-on-year, surpassing the average growth rate of other loans by 16 percentage points [1]. - The People's Bank of China Ya'an Branch has implemented targeted financial support, providing 268 million yuan in loans to 331 cultural and tourism enterprises at an average interest rate of 3.6% [2]. - Key projects like the 1869 China Giant Panda Ecological World and Wanggangping Scenic Area have received a total credit of 1.021 billion yuan, with a remaining loan balance of 966 million yuan as of May 2025 [2][3]. Innovative Financing Solutions - Customized financial service plans have been developed for the Bifengxia Scenic Area, with an overall credit of 80 million yuan to enhance its capacity [3]. - A financing scheme for the 1869 China Giant Panda Ecological World project has provided 360 million yuan in loans, supporting the integration of night tourism with other sectors [3]. Biodiversity and Ecotourism - The Ya'an Branch of the People's Bank of China has introduced the province's first biodiversity protection financial scheme, with a loan balance of 1.245 billion yuan dedicated to biodiversity protection as of May 2025 [3]. Rural Tourism Development - The loan balances for tea and pepper industries have increased by 34.8% and 80.8% respectively, driven by the promotion of rural tourism as a key component of rural revitalization [4]. - Innovative loan products such as rural collective income distribution rights pledge loans have been introduced, with a 2 million yuan loan issued at a 4.35% interest rate [4]. - The rural tourism sector, including homestays and agritourism, has seen a 77.9% year-on-year increase in related loans as of May 2025 [4]. Financial Services Expansion - The establishment of "cultural tourism specialty branches" aims to provide tailored financial services to the tourism industry, enhancing consumer experiences across various sectors [5]. - A comprehensive service system for foreign tourists has been developed, facilitating currency exchange and increasing foreign currency transactions by 21.7% from January to May [5][6].

Group 1 - The core theme of the 2025 Tsinghua Wudaokou Global Financial Forum is "Building an Open and Inclusive Economic and Financial System for a Shared Future" [1] - The former Deputy Governor of the People's Bank of China, Li Dongrong, emphasized the importance of the cultural and tourism industry as a key area for economic transformation and international cultural exchange [2] - Li proposed several strategies for financial support of the cultural and tourism industry, highlighting the need for a diversified financing mechanism to provide long-term and stable funding [2][3] Group 2 - Li pointed out the existing challenges in investment and financing within the cultural and tourism sector, such as the lack of long-term and patient capital [2] - He suggested that banks should play a crucial role by allowing credit funds to be converted into equity for tourism projects, thereby enhancing their financial strength [2] - The integration of digital technology and financial innovation is essential for the development of the cultural and tourism industry, with a focus on creating financial products tailored to its characteristics [3]