"真没想到，景区未来的门票钱也能变成今天发展的本钱！"在获得一笔1.3亿元的长期贷款后，新疆阿 克陶县慕峰旅游发展有限公司负责人感慨道。这笔以景区经营权为质押的创新贷款，如"及时雨"般化解 了克州冰川公园提升改造的资金困境，让这座"西域第一自然生态景观"迎来了发展的春天。 近年来，克孜勒苏柯尔克孜自治州紧紧围绕"旅游兴州"战略，推动文旅产业成为高质量发展的亮丽名 片。"十四五"期间，全州累计接待游客突破4300万余人次，实现旅游收入超174亿元，同比分别增长 44.9%、56.84%。在这份成绩单背后，一股强劲的金融力量不可或缺。中国人民银行克州分行引导辖区 金融机构聚焦产业难点、创新服务模式，为克州从文旅"出圈"走向产业"出众"提供了坚实的金融支撑。 破解"重资产"项目融资瓶颈 文旅项目前期投入大、回收周期长、缺乏传统抵押物，这些共性难题曾制约克州优质文旅资源的开发。 为此，中国人民银行克州分行主动引导金融机构跳出依赖固定资产抵押的传统思维，深入挖掘文旅资产 本身的金融价值。 针对克州冰川公园等核心旅游资源，农行克州分行成功落地全州首笔"保证担保+景区运营权质押"贷 款，将景区未来的经营性现金流转化为当前可 ...

Core Viewpoint - The China Bank Jiangxi Branch is actively promoting consumption during the New Year and Spring Festival by implementing various financial services and products to stimulate economic activity and enhance consumer experience [1][2]. Group 1: Enhancing Consumer Experience - The bank has launched a series of mobile banking promotions themed "Financial Benefits to Promote Consumption," including discounts on shopping and credit card repayment [2]. - It has integrated credit card services into high-frequency consumption scenarios, offering personalized benefits to meet diverse customer needs, such as discounts on public transport and fuel [2]. - The bank is also running online activities to encourage credit card usage, aiming to boost consumer spending [2]. Group 2: Innovative Financial Products - The bank has introduced tailored financial products like "Catering Loans," "Specialty Loans," and "Inn Loans" to support individual businesses and small enterprises, ensuring they have access to efficient financial services [6]. - These products are designed to alleviate financial pressures on local businesses, particularly during peak consumption periods like festivals [5][6]. Group 3: Increased Credit Supply - The bank is enhancing resource allocation and increasing credit investments to support regional cultural and tourism resources, thereby meeting diverse consumer demands [7]. - It has invested 30 million yuan to support the development of cultural heritage experiences, enhancing the consumer experience in traditional crafts [7]. - The bank has provided a total of 480 million yuan in loans to support the construction of scenic areas, significantly contributing to the local tourism economy [8].

Group 1: Tourism Development - The "川陇云端·牧凉古道" route has made 临夏州 a popular summer destination with an average temperature of 22°C, attracting tourists during high-temperature periods [1] - The 286-kilometer "Gansu's Most Beautiful Highway" connects various tourist attractions and has become a new tourism hotspot, supported by local financial institutions [2][3] - The development of the tourism corridor is transforming traditional tourism into a shared economy, benefiting more stakeholders in the tourism industry [3] Group 2: Financial Support for Tourism - Local financial institutions are innovating financial support models to aid the development of tourism demonstration zones and related industries along the tourism corridor [2] - The Agricultural Development Bank of China provided 276 million yuan in loans to support the construction of the tourism corridor, facilitating its timely operation [3] - Financial support has also been extended to local communities to develop various income-generating industries along the corridor [3] Group 3: Forest Wellness and Green Development - 和政县 has a forest coverage rate of 36.56% and is recognized as a national-level forest wellness pilot area, with significant financial backing for related projects [4] - The Agricultural Development Bank of China issued 150 million yuan in green loans to promote the "forest wellness+" industry model, integrating tourism and education [4] - Financial institutions are enhancing support for upstream and downstream enterprises related to forest wellness projects [4] Group 4: Culinary Tourism - The 八坊十三巷 area is becoming a vibrant culinary tourism spot, with local specialties attracting increasing numbers of visitors [6] - Financial institutions have provided loans to local food businesses, enabling them to expand and improve their offerings [6] - The "东乡手抓" brand is being promoted as a key driver for local economic growth, with over 500 million yuan in loans issued to support the culinary sector [7] Group 5: Future Prospects - 临夏州 is positioning itself as a new benchmark for summer tourism in Northwest China, with ongoing financial support measures to enhance tourism's economic impact [8]