Core Insights - The ice and snow economy in China is projected to reach a trillion-level scale, driven by the concept of "even in icy and snowy conditions, there are mountains of gold and silver" [2][14] - By 2025, the number of ice and snow tourism participants and revenue is expected to reach new highs, showcasing strong development momentum [2][14] - The banking industry is encouraged to enhance policy collaboration, product innovation, and technological empowerment to create a multi-layered service system for the long-term development of the ice and snow economy [2][14] Policy and Market Dynamics - Recent national and local policies, such as the "Opinions on High-Quality Development of Ice and Snow Sports" and the "Heilongjiang Province Ice and Snow Economic Development Plan (2022-2030)," have created a historic opportunity for the ice and snow economy [3][15] - The development model of the ice and snow industry has evolved from a single focus on sightseeing to a deep integration of "ice and snow + tourism, culture, sports, and equipment manufacturing" [3][15] - In 2025, the total revenue from national ice and snow tourism is expected to exceed 630 billion yuan, with Heilongjiang Province receiving 116 million tourists, a year-on-year increase of 18% [3][15] Financial Support Mechanisms - The banking sector is crucial for providing long-term, large-scale funding support for major ice and snow infrastructure projects, which require customized financing solutions [4][16] - As of November 2025, the loan balance for ice and snow-related industries in Heilongjiang Province reached 67.3 billion yuan, a year-on-year increase of 14% [4][16] - Local banks are innovating "small and beautiful, scene-based" credit products to support small and micro enterprises in the ice and snow industry, addressing their unique financing challenges [5][17] International Financial Services - The internationalization of the ice and snow economy necessitates the development of local foreign-related financial services [7][19] - Key tourist areas have achieved full coverage of foreign card acceptance, with over 21,000 inbound visitors served and transaction amounts exceeding 320 million yuan in 2025 [7][19] Consumer Market Activation - The banking industry is collaborating with various partners to integrate financial services into the entire ice and snow consumption scene, stimulating market activity through subsidies and installment services [8][20] - The 2024-2025 ice and snow season is projected to see consumer participation and spending exceed 187.5 billion yuan, with ski resort spending reaching 78.6 billion yuan, reflecting a significant growth in consumer engagement [8][20] Digital Financial Integration - The integration of digital technology with financial services is essential for addressing the challenges posed by the seasonal and diversified nature of the ice and snow economy [9][21] - Digital financial solutions are enhancing credit processes and risk management, allowing for real-time monitoring of business performance and cash flow [9][21] - Customized financial products are being developed to meet the diverse consumption needs associated with ice and snow activities, facilitating smoother cash flow for businesses [10][22]

近期，《金融时报》记者在惠州龙门县云顶温泉度假村景区进行了采访。该项目位于龙门县南昆山 生态旅游区之内，是广东省"环两山引领区"的核心项目之一。据介绍，云顶温泉度假村景区依托南昆山 得天独厚的自然生态资源和温泉优势，致力于打造集休闲度假、健康养生、文化体验于一体的高端旅游 目的地。"项目一期建设完全靠我们集团自有资金，但在二期建设时，受到了疫情影响，一期运行受 阻，二期资金短缺，的确困难重重。幸亏有农业银行向我们伸出了援助之手，解了我们的燃眉之 急。"惠州市南昆山云顶温泉度假村有限公司负责人梅玉峰告诉记者。据农业银行惠州分行办公室负责 人周佳丽介绍，该行通过中长期贷款支持云顶温泉度假村景区酒店扩建及配套设施升级，累计投放贷款 4.5亿元，助力企业提升服务品质和竞争力。 图为位于龙门县云顶温泉度假酒店大堂内的威士忌蒸馏装置，因该公司在福建投资威士忌蒸馏厂， 自有品牌的威士忌在度假区内受到游客的追捧。 张宏斌 摄 记者在龙门县采访期间看到，获得金融支持的不仅是云顶温泉度假村景区这样的"龙头"项目，惠州 和龙门当地的金融机构正在全力支持龙门特色文旅产业的全面发展。据中国人民银行惠州市分行负责人 介绍，该行认真贯彻落 ...

"环南昆山—罗浮山县镇村高质量发展引领区"（以下简称"环两山引领区"）建设是围绕广东省 委"1310"具体部署（1个总目标、3大动力、10大突破），探索区域协同、城乡融合的县镇村高质量发展 新路径，也为广州、惠州两市发展的重要机遇，对全省推动"百千万工程"具有示范意义。 近期，《金融时报》记者在惠州龙门县云顶温泉度假村景区进行了采访。该项目位于龙门县南昆山生态 旅游区之内，是广东省"环两山引领区"的核心项目之一。据介绍，云顶温泉度假村景区依托南昆山得天 独厚的自然生态资源和温泉优势，致力于打造集休闲度假、健康养生、文化体验于一体的高端旅游目的 地。"项目一期建设完全靠我们集团自有资金，但在二期建设时，受到了疫情影响，一期运行受阻，二 期资金短缺，的确困难重重。幸亏有农业银行向我们伸出了援助之手，解了我们的燃眉之急。"惠州市 南昆山云顶温泉度假村有限公司负责人梅玉峰告诉记者。据农业银行惠州分行办公室负责人周佳丽介 绍，该行通过中长期贷款支持云顶温泉度假村景区酒店扩建及配套设施升级，累计投放贷款4.5亿元， 助力企业提升服务品质和竞争力。 据中国人民银行惠州市分行负责人介绍，通过金融支持云顶温泉度假区建设，辖内银 ...