激活文旅生态升级的"动力源"。在可持续旅游领域，该行引导金融机构推动"生态文旅+多元业态"升级 发展。神农架林区积极争取支农支小再贷款2.29亿元，助力林区生态文旅发展。金融机构针对恩施州民 宿产业推出专属"民宿贷"，累计为540余户经营者提供信贷支持1.8亿元，推动民宿产业从单一住宿 向"民宿+研学""民宿+非遗"多元业态转型，让生态资源转化为文旅发展优势，实现"生态美、产业兴、 百姓富"的有机统一。 构建风险补偿的"保障网"。该行推动省内部分地方政府部门建立生物多样性贷款补贴机制，引导金融机 构加大对生物多样性领域的贷款投放，各地形成了多样化的创新实践。十堰市财政局等部门联合推 出"绿色发展贷"政策，引导贷款投向可持续林业领域，将年主营业务收入500万元及以上的入库林业企 业作为重点支持对象，采用"先贷后补"模式，用财政资金为贷款提供年化2%的贴息，为担保费提供年 化1%的补贴。全省生态环境权益交易平台为企业提供一站式申请通道，目前通过该平台申请财政补贴 的企业已达223家，财政贴息支持的贷款总额达30.02亿元。 打造林碳生态价值的"转化器"。在可持续林业领域，该行引导金融机构探索"林权抵押+产业升级" ...

Core Viewpoint - The People's Bank of China Hubei Branch is guiding financial institutions to increase credit investment in biodiversity, with a target loan balance exceeding 360 billion yuan by the end of Q3 2025, representing a 34.3% increase from the end of 2024 [1][2] Group 1: Financial Initiatives in Biodiversity - The Hubei Branch has implemented a trial plan for biodiversity financial standards, integrating resources and establishing a project database for financial institutions to connect with biodiversity projects [2] - A collaborative effort with various departments has led to the establishment of a climate data sharing mechanism and the implementation of an ecological environment-oriented development (EOD) project management regulation, resulting in 30 projects receiving credit totaling 24.7 billion yuan [2] Group 2: Sustainable Forestry and Water Ecology - Financial institutions are exploring a "forest rights mortgage + industrial upgrade" model to integrate ecological protection with industrial development, supporting projects like the transformation of low-yield tea gardens and the establishment of medicinal herb bases [3] - Innovative financing models in water ecology, such as "water ecological + specialty credit," have been introduced, including the first nationwide loan linked to sewage treatment volume, amounting to 58 million yuan [3] Group 3: Integration of Financial Services in Agriculture and Tourism - In sustainable agriculture, a model combining financial empowerment, germplasm protection, and industrial income has been developed, with significant credit support for projects like the "Zhi Gui Zong Orange" initiative [4] - The tourism sector is also benefiting from financial support, with loans provided to enhance ecological tourism, including a dedicated loan for the homestay industry that has supported over 540 operators with 180 million yuan [4] Group 4: Government Support and Subsidy Mechanisms - Local governments are establishing biodiversity loan subsidy mechanisms to encourage financial institutions to increase lending in this area, with initiatives like the "Green Development Loan" policy providing interest subsidies for forestry enterprises [5] - The Hubei ecological environment rights trading platform has facilitated access to financial subsidies for 223 enterprises, with total loan support amounting to 3 billion yuan [5]