据悉，在中国人民银行攀枝花市分行指导下，邮储银行攀枝花市分行近期采用"保证担保+收费权质 押"的模式，向米易县颛顼龙洞景区运营方发放0.9亿元项目贷款，期限长达29年。 业内人士指出，把企业的"预期收益"转化为银行体系内可识别、可评估、可操作的融资依据，已成为近 年来破解文旅行业融资瓶颈的一条切实可行的路径。 《每日经济新闻》记者注意到，从中央设立5000亿元服务消费与养老再贷款，到多地相继出台政策，引 导金融机构加大对文旅等重点领域支持，金融"活水"正加速涌入文旅消费领域。 "未来收益"盘活文旅资产 位于川、滇、藏及香格里拉旅游环线核心区域的颛顼龙洞景区，是攀西阳光康养旅游的重要节点，但长 期面临资源利用效率不高、管理成本较高等难题。 为保障重点文旅项目有效融资需求，在中国人民银行攀枝花市分行指导下，邮储银行攀枝花市分行近期 以"景区收费权质押"模式，向景区运营方发放0.9亿元、29年期贷款。 "这一项目执行优惠年利率4.4%（按年调整），我们主动让利60个基点。"邮储银行攀枝花市分行相关负 责人介绍，经测算，在该笔贷款的存续期内，预计可累计为企业降低财务成本约800万元。此外，该行 通过对贷款审批开辟绿色 ...

Group 1 - The fifth Hunan Tourism Development Conference and Hunan Cultural Tourism Industry Investment and Financing Conference was held in Huaihua City, focusing on tourism consumption trends and financial support for the cultural tourism industry [1][3] - New cultural tourism consumption "new generation new scenes" projects were announced, including categories such as technology, intangible cultural heritage experiences, cultural and artistic exhibitions, and creative experiences [3] - The rich supply of cultural tourism in Hunan has further released consumption potential, with new business formats being developed in Jingping Ancient Village, enhancing the local tourism experience [4] Group 2 - Innovative financial products and service models have activated investment vitality in the cultural tourism industry [5] - As of the end of July, Hunan's cultural tourism industry loans reached 103.03 billion yuan, with an average annual growth rate of 16.1% over the past three years, indicating strong financial support for the sector [6] - Financial institutions in Hunan have introduced over 100 specialized credit products, such as "scenic area revenue pledge loans" and "homestay loans," to support tourism businesses [6] Group 3 - Hunan's inbound tourism is thriving, with 1.254 million inbound visitors in the first half of the year, a year-on-year increase of 35.39% [7] - The province has implemented policies to promote inbound tourism, including a strategic cooperation agreement with tourism departments from Hainan and Shanghai to attract global tourists [7]