Core Viewpoint - The People's Bank of China, Chaozhou Branch, is enhancing financial support for the local food economy, aiming to stimulate consumption and promote the integration of culture and tourism in Chaozhou, known for its culinary heritage [1] Financial Support for Food Industry - Financial resources are being directed to support the entire food production chain, from cultivation to sales, thereby promoting the synergy between Chaozhou's culinary and tourism sectors [2] - Customized credit products are being developed for local agricultural products, such as the "Phoenix Dan Cong Loan," which has issued nearly 12 million yuan to support the tea industry [2] - The Agricultural Bank of Chaozhou has provided over 20 million yuan in loans to leading agricultural enterprises for deep processing of local fruits [2] Empowering Small and Micro Enterprises - The Postal Savings Bank of Chaozhou has launched the "Chao Flavor Loan" to support small food workshops and individual vendors, facilitating quick access to credit based on business performance [3] - Innovative financial products like "Cultural Tourism Loans" and "Homestay Loans" are being developed to lower financing costs for small businesses in the tourism and culinary sectors [3] Industrial Upgrading and Innovation - The Chaozhou food industry is evolving towards industrialization and clustering, with financial institutions introducing products like "Prepared Food Loans" to support local food enterprises [4] - The Industrial and Commercial Bank of Chaozhou has provided 8 million yuan in loans to a leading prepared food company, supporting its integrated production and sales model [4] - Financial support is also being extended to enhance the value of agricultural products through technology and innovation, such as converting patent rights into credit support [5] Optimizing Consumer Experience - Financial institutions are implementing fee reduction policies to lower operational costs for food vendors in key tourist areas, benefiting local businesses [6] - Collaborative efforts with local tourism and business departments are being made to enhance consumer experiences through promotional activities and discounts [7] - The People's Bank of China, Chaozhou Branch, plans to continue focusing on the financial needs of the food supply chain and tourism integration, aiming to further enhance Chaozhou's culinary reputation [7]

作者：金融部 | 宋懿帝 甄锐 姜力 在我国"冰天雪地也是金山银山"理念推动下，冰雪经济正迈向万亿级规模。2025年冰雪季全国冰雪旅游人次规模及旅游收入均 创新高，展现出强劲发展动能。报告基于政策导向分析银行业通过分层信贷体系、全链条金融工具、数字金融融合等方式赋能 冰雪产业的实践路径。报告认为，银行业需强化政策协同、产品创新与科技赋能，形成多层次服务体系，为冰雪经济长期发展 提供稳定金融支持。 近年来，国家层面《关于以冰雪运动高质量发展激发冰雪经济活力的若干意见》与地方层面《黑龙江省冰雪经济发展规划 （2022—2030年）》，《关于推动吉林省冰雪经济高质量发展的实施意见》等政策密集落地，叠加2025年第九届亚冬会成功举 办的赛事红利，世界旅游经济论坛首次在黑龙江举办等，我国冰雪经济迎来政策与市场双轮驱动的历史性发展机遇。行业数据 显示，当前冰雪产业发展模式已从单一冰雪观光向"冰雪+旅游、+文化、+体育、+装备制造"的深度融合形态升级，2025年以 来，全国冰雪旅游总收入超6,300亿元；其中核心产区黑龙江省接待游客1.16亿人次，同比增长18%，游客消费总额1,819亿元， 同比增长29.9%，产业集聚效 ...

政策助力 "流量"变"留量" 近年来，江西省委、省政府高度重视文旅消费提振工作，全力促进旅游业发展，深化"文旅+百业""百业 +文旅"，进一步提升旅游供给质量，促进文旅深度融合。 今年，江西省政府办公厅印发《江西省提振消费行动方案》，有关部门围绕推动商旅文体健融合发展和 城乡消费市场共同繁荣等方面，印发9个配套政策文件，形成"1+9"消费政策体系。江西省旅游产业发展 领导小组不断健全文旅产业链推进机制，出台了推进旅游强省建设、加快红色旅游发展、提振文旅消费 等一系列政策，并制定《关于提振江西文化和旅游消费的实施方案》。方案聚焦惠民政策精准化、产品 供给优质化、客群服务精细化、场景培育多元化、市场开拓全球化5个维度，系统推动文旅消费从"流 量"向"留量"转变。 此外，江西不断加大招商引资力度，产业要素日臻完善，经营主体逐渐壮大。江西省文化和旅游厅相关 负责人介绍，今年7月，江西举办的"头部文旅企业进江西"投资合作对接会成果丰硕，多家头部企业参 加，达成合作意向签约项目25个、签约金额共计30.26亿元。江西还评选出124个省级文化产业重点扶持 项目，安排超3500万元资金重点支持文旅新业态培育和科技融合领域，加 ...

眼下 ， 在 地方村超点燃文旅的熊熊火焰后，金融与文旅产业的融合正如火如荼。自 5年前 发 布"文旅贷"、 探索 启动"文旅+金融" 新 模式以来， 四川 乐山市商业银行（以下简称 " 乐山商行 " ）的"文旅+金融"脚印走遍 本土文旅产业 核心，不断实现地方经济价值与银行成长价值的双驱 动。 积极 拥抱产业跨界融合，赋能区域新发展 纵观银行业新质生产力背后，产业融合折射出银行角色正在转变，即从过去的"资金中介"升级为"产 业生态共建者"。而在众多产业融合的赛道中，"文旅+金融"则是乐山商行 依托地方资源禀赋 的不 二选择。 政策推动上，四川省委、省政府已明确提出， 支持乐山" 打造享誉全球的世界重要旅游目的地 "。 作为乐山市国有控股的城商行，推动区域发展、助力当地旅游产业升级换代，乐山商行 责无旁贷 。 市场推动上，数据显示， "十四五"期间，乐山年接待游客超1亿人次、旅游总花费破1500亿元 ， 文旅经济总量居全省地级市首位； 2025年前三季度，全市累计接待国内游客9619.3万人（次）， 实现旅游收入1233.9亿元，同比分别增长20.9%、18.3%。 基于文旅产业的市场规模与增量，乐 山商行早在 ...

Group 1: Financial Support for Ice and Snow Economy - The People's Bank of China Heilongjiang Branch has strengthened policy guidance and financial supply to support the high-quality development of the ice and snow economy, with loans for related industries reaching 67.3 billion yuan, a year-on-year increase of 14% as of the end of November [1] - The bank has introduced measures to meet the diverse financing needs of the ice and snow industry, focusing on key areas and collaborating with relevant departments to implement specific financial support policies [1] - Customized financing support is provided for various sectors, including smart upgrades for ice and snow equipment companies, financing for scenic area construction and operation upgrades, and special financing for cultural experience projects [1] Group 2: Financing Activities and Products - The Heilongjiang Branch organized a financing event that facilitated 14 financial institutions to grant a total of 1.852 billion yuan in credit to enterprises, promoting a financial supply system that aligns with the ice and snow economy [2] - Innovative financial products such as "Arctic Homestay Loan," "Snow City Cultural Tourism Loan," and "Snow Town Inn Loan" have been launched to cover key scenarios in the ice and snow tourism sector [2] - The bank has developed a specialized work plan for the ice and snow economy, providing diversified credit support to medium and large cultural tourism enterprises, as well as innovative online credit products for small and micro enterprises [2] Group 3: Payment Services Enhancement - The Industrial and Commercial Bank of China Heilongjiang Branch is advancing the construction of a comprehensive foreign card acceptance service system, with 2,913 foreign-related POS merchants and 9,151 foreign card transactions totaling 26.11 million yuan as of the end of November [3] - The bank is enhancing payment service coverage for the entire tourism journey, ensuring that high-frequency payment scenarios are fully covered, including major train stations and popular shopping areas [3] - A total of over 480,000 merchants in Heilongjiang support card acceptance, with 29,200 merchants accepting foreign cards, and 9,186 ATMs available for cash withdrawal, of which 7,202 support foreign card withdrawals [3]

Group 1 - The "Caiyunzhinan·Kunming" cross-border tourism train symbolizes the cultural integration mission between China and Laos, serving as a new link for cross-border tourism and a testament to the efforts of Industrial Bank Kunming Branch in promoting regional cultural tourism development [1] - Industrial Bank Kunming Branch focuses on the construction of a green financial ecosystem in Yunnan, integrating financial services into various sectors of the cultural tourism industry, including sightseeing, transportation, accommodation, and intangible cultural heritage [1] Group 2 - The bank aligns with Yunnan's "Strong Transportation Province" strategy, combining support for cultural tourism transportation with green finance, creating a comprehensive travel network that includes rail, road, and urban transport [2] - Financing support is provided for the "Caiyunzhinan·Kunming" train, linking interest rates to the occupancy rate of senior passengers, promoting the integration of cultural tourism finance with elderly finance [2] - The bank has launched innovative financing products to support the electrification of passenger and commercial vehicles, investing over 300 million yuan in loans for the replacement of traditional taxis and ride-hailing vehicles with new energy vehicles [2] Group 3 - Industrial Bank Kunming Branch focuses on revitalizing core scenic areas in Yunnan through a service model that combines asset activation and scene upgrading, transforming dormant resources into sustainable industrial advantages [3] - The bank has implemented a "banking + commercial" collaborative model to facilitate private asset securitization projects, aiding in the upgrade and operational improvement of scenic spots like Tengchong and Shun Ancient Town [3] - Tailored financing solutions have been provided for local cultural tourism projects, supporting infrastructure improvements and the development of cultural facilities, contributing to the transformation of fishing villages into new landmarks [3] Group 4 - The bank has developed a financial service system for accommodation that includes high-end hotels,特色民宿, and travel-related services, addressing the diverse needs of different customer segments [4] - Special financial products have been introduced to assist small and micro enterprises, guesthouses, and inns in overcoming financing challenges related to asset-light operations and lack of collateral [4] - The bank aims to continuously inject financial vitality into the high-quality development of Yunnan's cultural tourism industry through innovative products and efficient services [4]

Group 1: Core Perspective - Rural revitalization is a key support for Chinese-style modernization and a necessary path to achieve common prosperity, with a focus on promoting rural investment and consumption growth as essential tasks for urban-rural integration and expanding domestic demand [1] Group 2: Financial Support for Rural Investment Growth - Investment is a crucial engine for rural revitalization, addressing issues such as infrastructure shortcomings, single industrial structure, insufficient agricultural technology empowerment, and limited brand influence in rural areas [2] - Emphasis on upgrading rural infrastructure, particularly in mountainous areas, to enhance disaster resilience and improve living conditions [2] - Support for the integration of primary, secondary, and tertiary industries in rural areas, promoting a comprehensive rural industrial ecosystem [3] Group 3: Agricultural Technology Innovation - Agricultural technology innovation is identified as a core driver for high-quality agricultural development, with a focus on supporting agricultural technology enterprises and research institutions [4] - Exploration of new financing models using agricultural assets as collateral to support innovation and development in smart and digital agriculture [4] Group 4: Brand Development for Agricultural Products - The cultivation of the "Beijing优农" brand is essential for enhancing the value of agricultural products, with initiatives to support geographical indication products and organic products [5] - Financial products tailored for brand development, such as "brand loans" and "landmark loans," are proposed to facilitate standardized production and brand operation [5] Group 5: Financial Innovation to Activate Rural Consumption Market - Consumption is a foundational force for rural revitalization, with significant potential in rural areas that requires financial innovation to stimulate demand and improve access [6] - Development of customized financial services to meet diverse consumer needs and enhance the availability of credit for rural residents [7] Group 6: Policy Coordination and Subsidy Efficiency - Financial institutions are encouraged to enhance the efficiency of subsidy implementation to stimulate rural consumption, particularly in key sectors like home appliances and renewable energy [8] - The establishment of a rural consumption financial risk compensation fund is suggested to mitigate risks associated with natural disasters [8] Group 7: Supporting Farmers' Income to Boost Consumption - The fundamental support for consumption lies in farmers' income, with financial institutions urged to provide services that facilitate employment and entrepreneurship for farmers [9] - Exploration of integrated financial services for rural asset rights and transactions to enhance farmers' income and consumption capacity [9]

Group 1 - The event held in Nanchang on August 28 focused on financial support for the cultural and tourism industry in Jiangxi Province, resulting in a total signed credit amount of 8.2 billion yuan [1][2] - Jiangxi's cultural and tourism resources are abundant, with a solid industrial foundation and significant consumer potential, indicating a broad market space and development opportunities for cultural tourism finance [2] - The People's Bank of China Jiangxi Branch emphasized the need for banks to innovate financial products and services in the cultural tourism sector, aiming to attract more low-cost funds for the industry [2][3] Group 2 - The event featured a concentrated financing demand with 118 cultural tourism projects seeking credit financing of 18.7 billion yuan and 33 projects seeking equity financing of 2.4 billion yuan [3] - 28 banking institutions set up consultation booths at the event, providing one-on-one services to 120 participating cultural tourism enterprises, addressing financing challenges effectively [3]

Core Insights - The article highlights the significant growth of the cultural tourism industry in Shaanxi Province, particularly in Baoji, driven by a strong recognition of traditional Chinese culture and historical knowledge among the public [1][2][10] - In 2024, Baoji is expected to receive over 100 million tourists, generating a total tourism revenue of 71.175 billion yuan, marking year-on-year increases of 33.59% and 48.85% respectively [1] - The provincial government aims to develop the cultural tourism sector into a trillion-yuan industry cluster, emphasizing the integration of culture and tourism as a key strategy for regional economic development [4][12] Industry Development - Shaanxi Province has a rich cultural heritage with over 49,000 immovable cultural relics and 7.74 million movable cultural relics, providing a solid foundation for tourism product development [3] - The province has established a modern tourism industry system with 598 A-level tourist attractions, including 187 high-level attractions, which account for 31.27% of the total A-level attractions [3] - The local financial system is adapting to the needs of the cultural tourism industry by enhancing financial supply and aligning it with industry demands, facilitating high-quality development [2][4] Financial Support and Innovation - Financial institutions in Shaanxi are innovating their lending practices to better support the cultural tourism sector, including long-term loans and risk compensation funds for qualified enterprises [4][6][7] - The People's Bank of China, Shaanxi branch, is collaborating with local government departments to provide financial backing for key industry chains, promoting a sustainable development model for cultural tourism [5][12] - Various banks are developing specialized financial products tailored to the needs of different segments within the cultural tourism industry, such as credit loans for startups and long-term financing for established enterprises [8][9] Market Performance - During the recent "May Day" holiday, Shaanxi's tourism sector saw a remarkable increase in visitor numbers and revenue, with 574.69 million tourists visiting key attractions, a year-on-year growth of 10.08% [10] - The performing arts market also experienced explosive growth, with 2,445 performances held, a staggering increase of 155.48% compared to the previous year [10][11] - The evolving preferences of tourists are shifting from mere visits to deeper cultural experiences, prompting cultural tourism enterprises to innovate continuously [11]

Group 1 - The "Su Super League" has gained significant popularity, attracting 195,700 spectators in its first three rounds, with a peak attendance of 22,613, nearly matching the average attendance of the first 13 rounds of the Chinese Super League [1] - The league has stimulated cultural and tourism consumption in Jiangsu, with a 14.63% increase in tourism spending in six host cities during the Dragon Boat Festival, showcasing a new model of "sports events driving cultural and tourism consumption" [1] - Financial institutions are actively supporting the development of the cultural and sports industry in Jiangsu, leveraging the success of the "Su Super League" to enhance local economic growth [2] Group 2 - Jiangsu Bank is the main sponsor of the "Su Super League" and has previously sponsored other sports events, aiming to create a "cultural finance" brand and explore the "finance + sports" model [3] - Other banks in Jiangsu are also supporting cultural and sports events, with initiatives like promoting tourism alongside traditional dragon boat races [4][5] - The "Su Super League" has led to a surge in ticket prices, with some tickets being resold for as much as 600 yuan, indicating a strong demand that benefits various sectors including dining and accommodation [6] Group 3 - The success of the "Su Super League" has provided a reference for other regions in China to stimulate consumption through a "watching + X" model, capturing a broader consumer base [7] - The integration of cultural symbols and tourism, as seen with the "Su Super League," is a valuable experience for revitalizing markets [8] - Agricultural Bank of Jiangsu has supported the Grand Canal tourism and cultural heritage projects with over 1 billion yuan, promoting financial services tailored to the cultural tourism industry [9]