居"有稻山房"享岁月静好，于"见山营地"品茗赏景，在"山味书屋"阅书读己……深冬时节，豫南信阳， 一处处庭院式特色民宿小院，如散落在山水间的璀璨明珠，点亮了人们心中的"诗与远方"。这背后离不 开金融活水的精准滴灌。近年来，中国人民银行信阳市分行立足信阳生态文旅资源禀赋，创新打造"金 融+小院"服务模式，从创新金融产品、搭建对接平台、优化支付服务三点发力，让散落于信阳山水之 间的特色小院焕发勃勃生机，走出了一条"生态美、产业兴、百姓富"的可持续振兴之路。截至今年10月 末，信阳市文旅产业贷款余额12.6亿元，为当地特色民宿及相关文旅产业发展注入强劲金融动力。 创新金融产品 拓宽多元融资渠道 针对文旅经营主体普遍存在的"轻资产、缺抵押"问题，中国人民银行信阳市分行指导金融机构积极探 索"信用+抵押"组合模式，将民宿装修设施、家具家电等动产纳入抵押物范围，对信用良好者降低抵押 物要求、提高贷款额度；引入第三方担保机构，为符合条件的经营者提供增信服务，有效拓宽融资渠 道，实现融资增信"多元覆盖"，有效拓宽小院融资渠道。 为打通金融服务"最后一公里"，增强文旅产业资金保障力度，中国人民银行信阳市分行主动作为，指导 金融 ...

Core Viewpoint - The financial system in Mudanjiang is actively promoting the revitalization of revolutionary old areas by integrating the spirit of the Anti-Japanese War into modern financial services, aiming to support local development through targeted financial initiatives [1][2]. Financial System's Mission - Mudanjiang, a key area for the Northeast Anti-Japanese United Army, has seen the establishment of the "Red Financial Service Alliance" led by the People's Bank of China, involving 21 banking institutions and 6 insurance companies to support the revitalization of revolutionary old areas [2]. - As of June 2025, the loan balance for revolutionary old areas in Mudanjiang reached 29.8 billion yuan, a year-on-year increase of 15.7% [2]. Service Innovation - The introduction of the "Red Cultural Tourism Loan" by the Postal Savings Bank of Mudanjiang provides 5 million yuan in low-interest loans to support local red tourism projects, significantly boosting local tourism and income [3]. - Agricultural Bank of Mudanjiang has implemented a supply chain financial model for rice cultivation, issuing loans totaling 800 million yuan to support the establishment of high-standard rice planting bases [4]. Inclusive Finance - The establishment of 136 rural financial service stations and 582 cash withdrawal machines in revolutionary old areas has improved access to financial services [6]. - The Longjiang Bank has provided 300 million yuan in subsidized loans to support over 1,200 entrepreneurial projects, creating more than 5,000 jobs [6]. Party Building and Development Synergy - Financial institutions in Mudanjiang are leveraging party building to enhance community engagement and support local development, including organizing financial knowledge seminars and providing targeted financial services for key projects [7]. - The China Bank has allocated 1.8 billion yuan in loans to support major projects in revolutionary old areas, demonstrating the commitment to local economic development [7]. Conclusion - The integration of financial resources with the spirit of the Anti-Japanese War is revitalizing Mudanjiang, fostering a path towards common prosperity and sustainable development [8].

Core Viewpoint - The financial system in Mudanjiang is actively promoting the revitalization of revolutionary old areas by integrating the spirit of the Anti-Japanese War into modern financial services, aiming to support local development and enhance economic vitality [1][2]. Financial System's Mission - Mudanjiang is a significant birthplace and battlefield of the Northeast Anti-Japanese United Army, with over 130 historical sites attracting more than one million visitors annually [2]. - The People's Bank of China Mudanjiang Branch has established a "Red Financial Service Alliance" with 21 banking institutions, 6 insurance companies, and 4 securities firms to implement a special action plan for financial support to revolutionary old areas [2]. - As of June 2025, the loan balance for revolutionary old areas in Mudanjiang reached 29.8 billion yuan, a year-on-year increase of 15.7% [2]. Service Innovation - Financial institutions are innovating services to support local development, such as the "Red Cultural Tourism Loan" from Postal Savings Bank, which provides low-interest loans for red tourism projects [3]. - The village of Shangande has transformed with the help of financial support, with Agricultural Bank of Mudanjiang providing 800 million yuan in loans to develop high-standard rice planting bases [4]. Inclusive Finance - Mudanjiang has established 136 rural financial service stations and 582 cash withdrawal machines to ensure basic financial services are available in administrative villages [5]. - Financial institutions are launching specialized credit products to support entrepreneurship, such as the "Entrepreneurship Guarantee Loan" from Longjiang Bank, which has supported over 1,200 projects [5]. Party Building and Development Synergy - The financial system in Mudanjiang emphasizes party building to convert red resources into development momentum, organizing activities to enhance party members' skills and community engagement [6]. - Financial institutions are providing targeted financial services to key projects, with China Bank Mudanjiang Branch offering 1.8 billion yuan in loans for major projects [6]. Conclusion - The continuous financial support is revitalizing revolutionary old areas, with local farmers expressing optimism about relying on financial strength for hometown revitalization [7].