吉安市是国家级普惠金融改革试验区、也担负着生态产品价值实现机制试点工作。面对生物多样性保护 投入大、回报周期长的普遍性难题，在中国人民银行等部门的指导下，当地金融部门大胆创新，将目光 投向那些难以量化的生态资产，探索建立起一套覆盖多业态的"生态票证"体系，让清新的空气、繁茂的 森林、独特的物种成为可质押、可融资、可流转的金融资本，为革命老区的绿色崛起注入了源源不断的 金融活水。 在红色圣地井冈山所在的江西省吉安市，一场旨在打通"绿水青山"与"金山银山"深层转化通道的金融改 革试验，正伴随着赣江波涛稳步推进。 在"中国名茶之乡"遂川县，连绵的茶山是农民的生计所在，也是生物多样性的重要载体。当地针对国家 地理标志产品"狗牯脑茶"，创新推出了全省首批"生物多样性特色茶票"。茶农兰桥林是首批"吃螃蟹的 人"。凭借自家30余亩生态茶园产生的碳汇、水源涵养等生态价值，经过专业机构核算后，他获得了一 张载明生态价值的个人"茶票"。正是这张特殊的"票证"让他顺利地从当地农商银行获得了30万元贷款。 "以前我们茶农贷款很难，除了房子没啥可抵押的。现在好了，茶园里的好生态本身就能'贷'来真金白 银！"兰桥林道出了万千农户的心声。 ...

Core Viewpoint - The "Jinggangshan" regional public brand is transforming the agricultural landscape in Ji'an, Jiangxi, by integrating resources and financial support, leading to improved product quality and market competitiveness [1][2]. Group 1: Brand Development - The establishment of the "Jinggangshan" brand has shifted local agriculture from fragmented practices to a unified branding approach, enhancing product standards and market presence [2]. - The brand has helped local farmers increase their income significantly, with reports of earning several thousand more annually after joining the brand [2]. Group 2: Financial Support - The introduction of green finance policies has provided crucial funding for agricultural projects, with a total financing demand of 221.42 billion yuan identified, resulting in 116.44 billion yuan in credit approvals for 20 enterprises [3]. - Innovative financial products like "Jinong e-loan" and "Wuchicken loan" have been developed to support local agricultural enterprises, facilitating nearly 3 billion yuan in loans to brand-authorized companies [3][4]. Group 3: Challenges and Solutions - Despite progress, challenges such as brand misuse and low processing rates persist, prompting the establishment of strict brand management and quality assurance systems [5]. - The local government has implemented a "double strict" mechanism to ensure compliance with brand standards and has developed 138 group standards covering various agricultural products [5]. Group 4: Sales and Market Expansion - The brand's market presence has expanded significantly, with e-commerce sales reaching 32.8 billion yuan in 2024 and a total sales revenue of 130.78 billion yuan, marking a 75.8% increase year-on-year [6]. - The establishment of flagship stores and partnerships with major retailers has enhanced the visibility and sales of "Jinggangshan" products [6]. Group 5: Future Outlook - The local government is focusing on digital agriculture and financial service innovations to further enhance the brand's growth and market reach [7]. - Plans to promote green finance and support for agricultural transformation are set to continue, aiming to integrate more low-cost funding into the agricultural sector [8].