Core Viewpoint - The financial system in Yunnan is effectively supporting the real economy, with a notable increase in loan volume and a decrease in interest rates, contributing to high-quality economic development [1][2]. Group 1: Financial Support for Agriculture - As of November 2025, the total loan balance for agriculture in Yunnan reached 1.39 trillion yuan, significantly supporting the agricultural sector [2]. - Innovative financial products like "Cane Loan" and "Cloud Flower Loan" have been introduced to address specific financing needs in the sugarcane and jasmine flower industries, with the latter receiving 11 million yuan in loans [1][2]. - Agricultural facility mortgage loans in pilot areas reached 642 million yuan by the end of Q3 2025, marking a 45.6% year-on-year increase, addressing long-standing collateral issues in the agricultural sector [2]. Group 2: Financial Innovation and Technology - A technology-focused agricultural company received a 10 million yuan credit loan through the "Science and Technology Loan" program, enhancing its processing capacity by 40% and reducing loss rates by 15% [4]. - The balance of technology loans in Yunnan grew by 10.79% year-on-year, with loans to technology SMEs increasing by 15.65% [5]. - The establishment of a financing credit service platform has facilitated connections between 241 financial institutions and 183.7 million registered enterprises, leading to a total credit issuance of 573.5 billion yuan [6]. Group 3: Financial Support for Tourism and Elderly Care - The "Golden Travel Loan" product provided 500,000 yuan to support a hospitality business in Lugu Lake, showcasing financial support for the tourism sector [7]. - Loans for the elderly care industry increased by 133.64% year-on-year, with cultural, entertainment, transportation, and accommodation loans reaching 1.14 trillion yuan, a 70% increase compared to the end of the 13th Five-Year Plan [7][8]. - Financial resources are being directed towards developing a comprehensive financial ecosystem for tourism, including support for various new business models in the sector [8].

来源：云南网 冬日春城，阳光和煦。昆明市民张红艳手持一张以城市最美打卡场景蓝花楹为主题图案的"旅居云南 卡"，脸上洋溢着喜悦。"有了这张卡，自驾加油有满减，公交地铁有优惠，周边的农家乐、网红打卡点 都能享受优惠。"这张承载着便利与实惠的卡片，正是昆明市深化金融与文旅融合、惠企利民的生动缩 影。 环线拓展大量特惠商户，并提供地铁公交5折出行优惠，旨在让持卡人畅享'云南人游云南'的便利与实 惠，吸引更多省外客群来滇旅居。"从供给侧"贷"动企业，到需求侧"卡"住消费，这"一贷一卡"的双轮 驱动模式，清晰勾勒出昆明以金融创新贯穿文旅产业全链条、促进内循环的实践路径。 "金融赋能兴文旅，滇池沿岸绘新篇——'昆旅贷'签约暨'旅居云南卡'发卡仪式"现场 "'昆旅贷'既是金融支持文旅产业发展的'昆明方案'，也是文旅企业纾困解难的'及时雨'。"昆明市人民政 府相关负责人表示，当前昆明正聚焦"六个春城"建设，落实金融活市和文旅兴市战略，产业发展态势良 好，但文旅企业普遍存在的轻资产、抵押少、周期长、季节性强等融资痛点，尤其是滇池沿岸乡村文旅 项目面临的产权复杂等难题，亟待金融创新破解。"昆旅贷"正是昆明市人民政府联合人民银行云南 ...