转自：云南日报 在元江哈尼族彝族傣族自治县，中国银行针对茉莉花产业链的融资痛点，创新推出"云花贷"普惠金融服 务方案。截至2025年11月，"云花贷"已累计投放贷款1100万元，精准支持当地加工企业和种植户，让茉 莉花真正成为农户的"致富花"。 在红河、大理、楚雄等地，农业设施所有权抵押贷款试点正在铺开。截至2025年第三季度末，5个试点 地区农业设施抵押贷款余额6.42亿元，同比增长45.6%，有效破解"三农"领域长期存在的抵押物缺乏难 题。 围绕我省打造"绿色食品牌"，金融资源正以前所未有的精度投向茶叶、咖啡、花卉、中药材等14类高原 特色农业产业。金融机构创新推出的"咖啡贷""七彩云菌贷"等特色产品，如同一把把钥匙打开了不同产 业的信贷供需匹配之锁。截至2025年第三季度末，全省"1+10+3"农业重点产业贷款余额3430.89亿元， 同比增长16.58%，咖啡、花卉、甘蔗、橡胶等6类产业贷款余额同比增速高于20%。截至2025年11月 末，全省涉农贷款余额1.39万亿元，有力维持"三农"对全省金融的基础性支撑。 如今，金融"活水"沿着产业脉络，精准滴灌至每一片关乎乡村振兴与民生福祉的田野。 金融创新赋 ...

Core Viewpoint - The article highlights the innovative financial product "Jinlv Loan" introduced by Fudian Bank, which addresses the financing challenges faced by the hospitality industry in Dali, Yunnan, enabling local guesthouses to expand without traditional collateral requirements [1][2][3] Group 1: Financial Innovation - Fudian Bank launched the "Jinlv Loan" product, which utilizes credit guarantees to overcome traditional collateral limitations, allowing guesthouses to secure loans without physical assets [1] - The loan product offers up to 2 million yuan without collateral, with a focus on the unique characteristics of the Dali hospitality sector [1][2] - A dedicated team was formed to conduct extensive research on 1,200 guesthouses around Erhai Lake, identifying common financing pain points such as lack of collateral and limited operating history [1] Group 2: Economic Impact - Under the support of "Jinlv Loan," local guesthouse owner Zhao Mang opened a second guesthouse, contributing to local employment by hiring nine villagers, with incomes ranging from 3,000 to 8,000 yuan [2] - The guesthouse model has become a significant source of income for the village, enhancing the collective economy through rental income and management fees [2] - As of June 2025, the "Jinlv Loan" balance reached 247 million yuan, serving over 500 tourism-related entities across 16 cities and states in Yunnan [2] Group 3: Broader Industry Development - The collaboration between government and financial institutions has led to the innovation of financial products, expanding service scenarios and promoting a "one chain, one policy" financial service model [3] - These financial services are positioned as a strong engine for the high-quality development of Yunnan's cultural and tourism industry [3]

Core Viewpoint - Fudian Bank is leveraging its geographical advantages in Yunnan to implement a differentiated development strategy, focusing on local financial services and cross-border connectivity, thereby supporting regional economic growth through innovative financial products and services [1][4]. Group 1: Financial Support for Local Industries - By the end of 2024, Fudian Bank has provided loans totaling 37.822 billion yuan to support local industries such as specialty agriculture and cultural tourism, benefiting over 284,600 small and micro enterprises [1]. - The bank has introduced personalized financial solutions like "tax refund financing" to alleviate cash flow pressures for local businesses, exemplified by a green food company that received an 8 million yuan loan [2]. - Fudian Bank's "Cloud Agriculture Loan" series has addressed financing issues for nearly 148,100 farmers, with a loan balance of 18.8 billion yuan [3]. Group 2: Tourism and Cultural Finance - Fudian Bank has developed specialized financial products for the tourism sector, such as the "Golden Travel Loan," which has evolved over eight years to support the development of a world-class health and wellness tourism destination [4][5]. - The bank has disbursed over 174.52 million yuan through the "Golden Travel Loan," serving more than 310 tourism-related entities [5]. - The bank's financial support has enabled local accommodations to upgrade and attract more visitors, enhancing the overall tourism experience [4]. Group 3: Cross-Border Financial Services - Following the opening of the China-Laos Railway, Fudian Bank has established the "Futong Lancang-Mekong" cross-border financial brand to facilitate trade and tourism between China and Southeast Asia [6]. - In 2024, Fudian Bank's Xishuangbanna branch processed 294,000 transactions worth 3.749 billion yuan through cross-border settlement services, significantly boosting local economic activity [6]. - The bank has implemented various measures to enhance financial services for foreign visitors, including the installation of ATMs at border stations and simplified account opening procedures for foreign nationals [7][8].