Core Viewpoint - The integration of agriculture, culture, and tourism ("Agriculture + Culture + Tourism") is a key path for promoting industrial transformation and upgrading, contributing to economic growth and cultural heritage [1][2] Summary by Sections Basic Situation - The "Agriculture + Culture + Tourism" integration serves as a modern rural industry development model, facilitating interaction between urban and rural elements, and is crucial for consumption promotion and rural revitalization [2] - BaiShan City, located in the Changbai Mountain area, has rich agricultural resources and natural beauty, making it well-suited for this integration [2] - By the end of 2024, BaiShan had 1 national 5A tourist attraction, 8 4A attractions, and 18 3A attractions, with a total of 673 leisure tourism operating entities generating revenue of 392 million yuan [2] Financial Support and Policies - The People's Bank of China BaiShan Branch has implemented policies to support the integration of "Agriculture + Culture + Tourism," focusing on financial resource allocation and innovation [3] - Since 2024, 57 "Agriculture + Culture + Tourism" enterprises have received preferential loans totaling 46.0985 million yuan, saving over 500,000 yuan in financing costs [3] Loan Models and Trends - BaiShan's "Agriculture + Culture + Tourism" loans include four models: leisure vacation loans, agricultural tourism loans, historical site tourism loans, and ecological restoration loans, with a total loan balance of 4.914 billion yuan as of June 2025, up 18.51% year-on-year [4] - The increase in loan balance is attributed to supportive government policies and rising consumer demand for tourism [4] Innovative Practices - BaiShan has developed various innovative financial models, including "whole village credit + online micro-loans + credit" to promote rural tourism [5] - The "smart scenic area + scenic area fee pledge + A-share stock pledge" model has been introduced to enhance the "One Mountain, Two Rivers" brand strategy [6] - The "PPP project loan + third-party guarantee" model is being used to promote "red tourism + research" integration [7] Constraints - There is an imbalance in resource allocation, with a significant concentration of loans in popular tourist areas, leaving smaller agricultural tourism projects underfunded [9] - The lack of systematic planning and deep integration in "Agriculture + Culture + Tourism" projects hinders sustainable development [10] - Financing channels are limited, with a heavy reliance on bank loans, which do not meet the diverse funding needs of the industry [11] Development Strategies - Recommendations include optimizing resource allocation, promoting systematic planning, expanding financing options, and improving the financial ecosystem to support the integration of "Agriculture + Culture + Tourism" [12][13][14][15]