浙江绍兴诸暨市岭北镇，冬日的岭北山庄白墙黛瓦、依山而建，厨房里飘出香气，吸引不少游客前来入 住品尝美食。 改建之初，这家农家小院曾面临资金紧张的问题。"最初只是想将自建房改造成农家乐，没想到设计、 装修、人工成本加起来远超预期。"山庄经营者周先生坦言，项目推进到一半，资金链紧张，改建工程 被迫中断。 岭北山庄的升级改造，是邮储银行服务文旅产业发展的缩影。针对农家乐"投入大、周期长、轻资产"的 特点，邮储银行诸暨市支行创新推出专项产品，以"信用+担保"模式降低融资门槛，累计投放贷款610万 元，精准扶持当地40余家农家乐改造。在金融活水浇灌下，这些经营主体逐步串联起"吃住游购"全链 条，有的依托茶园开发研学体验，有的结合非遗资源打造主题民宿，形成"一庄一特色"的差异化竞争格 局。数据显示，该行支持的农家乐集群年接待游客超50万人次，带动周边农户增收超千万元。一个个农 家小院的更好发展为浙江文旅产业带来新活力，2024年浙江省全域旅游快速发展，接待游客超8.9亿人 次，同比增长8.9%；综合收入突破1.2万亿元，同比增长9.9%。这份成绩单离不开文旅金融的助力。 "文旅产业是乡村全面振兴的引擎之一，我们持续做好' ...

Core Viewpoint - The implementation of personal consumption loan interest subsidy policies in China aims to lower consumer credit costs and stimulate domestic demand, with China Postal Savings Bank (Postal Bank) actively participating in this initiative to enhance consumer finance services and support economic recovery [1][8]. Group 1: Policy and Market Response - Recent structural monetary policies and financial support measures have been introduced to boost consumer credit, with a focus on sectors like home appliances, automotive, and healthcare [1][8]. - As of June 2025, Postal Bank's personal consumption loan balance exceeded 3.03 trillion yuan, marking a net increase of 369.81 billion yuan, positioning it among the top three listed banks in terms of consumer loans [1][2]. - The bank has launched a comprehensive action plan to enhance consumer finance services, which includes 20 specific measures aimed at supporting various consumer needs and boosting domestic demand [2][3]. Group 2: Technological Empowerment - Postal Bank has leveraged technology to improve operational efficiency and customer experience, implementing over 230 applications of large models across various business areas [5][6]. - The bank's intelligent external calling system has reached 8 million potential customers, effectively guiding 300 billion yuan in consumer credit towards essential sectors [6]. - A comprehensive anti-fraud model has been established, protecting over 100,000 accounts and preventing losses exceeding 800 million yuan [6][7]. Group 3: Future Development and Strategy - The bank plans to enhance customer acquisition capabilities through targeted strategies, including leveraging fiscal subsidy policies and cross-marketing within its existing customer base [9]. - By the end of 2025, Postal Bank aims to complete nationwide centralized review and approval processes for all consumer credit businesses, which is expected to improve customer experience and risk management [9].