□ 徐真 当前，生态旅游产业呈现出蓬勃发展之势，不仅成为推动区域经济绿色转型、促进人与自然和谐共生的 重要抓手，而且催生生态体育、生态康养、生态研学等旅游新业态。各地政府顺应这一趋势，加大政策 供给和资金支持，探索生态旅游投融资机制创新，全面推动生态旅游迈向更高质量的发展阶段。作为新 兴产业形态，生态旅游在快速发展中也逐渐暴露出一些深层次矛盾，导致大量优质生态资源无法转化为 可持续的发展动能。立足新阶段，必须通过政策引导、金融支持、社会参与的多维联动，构建多元化、 市场化、专业化的投资机制，真正实现生态旅游生态美、产业兴、百姓富的有机统一。 争取政策资金，夯实生态旅游发展基础 随着生态文明建设不断走深走实，生态旅游作为绿色发展的重要载体，正迎来前所未有的发展机遇。然 而长期以来，生态旅游项目普遍面临投资周期长、回报慢、抵押物不足等融资困境，大量优质生态资源 因资金短缺而难以转化为优质旅游产品，已成为制约生态旅游高质量发展的关键瓶颈。因此应强化金融 支持，引导金融活水精准滴灌，构建一个多层次、广覆盖、市场化的生态旅游金融支持体系，为生态旅 游发展注入源源不断的金融活水。一方面，应鼓励金融机构针对生态旅游项目特点 ...

Core Viewpoint - Zhejiang Province is a pioneer in green finance reform and innovation, actively exploring effective financial support mechanisms for biodiversity protection, achieving positive results [1][2]. Group 1: Financial Support Mechanisms - Zhejiang has established a framework for financial support for biodiversity protection, including the development of a biodiversity financial standard system and the promotion of financial institutions to create biodiversity financial service systems [1]. - Huzhou City has taken the lead in issuing implementation opinions on financial support for biodiversity protection, guiding financial institutions to build biodiversity financial service systems [1]. - Quzhou City has developed a biodiversity risk management system based on a green finance credit information service platform, integrating it with a digital governance platform and 27 financial institutions for efficient risk assessment [1]. - Lishui City has established a smart monitoring system for biodiversity and published the first local guideline for ecological product value accounting, supporting financial institutions in project evaluation and monitoring [1]. Group 2: Innovative Financial Products and Models - Zhejiang is innovating various financial products and financing models to meet the diverse and personalized financing needs in the biodiversity sector, focusing on major projects like national parks and ecosystem restoration [2]. - Huzhou City has created a mixed financing model combining fiscal subsidies, ecological compensation, and credit support, introducing unique credit products like wetland carbon credit loans and biodiversity protection GEP green loans [2]. - Quzhou City has introduced financing services such as "Happy Living" and "Housing Loan" to support ecological relocation and has piloted an ecosystem-oriented development (EOD) investment model [2]. - Lishui City has launched ecological rights pledge loan models like "GEP Loan" and "Ecological Benefit Loan," promoting the transformation of "ecological rights" into "ecological capital" [2].

Core Viewpoint - The article emphasizes the successful implementation of the "Green Mountains and Clear Water are Gold and Silver Mountains" concept in Hainan, showcasing the province's commitment to ecological civilization and sustainable development, leading to significant economic and environmental benefits [6][8]. Group 1: Ecological Value and Economic Impact - The ecological product value (GEP) of the Wanquan River Basin for 2023 is estimated at 2097.53 billion yuan, marking the first time such a valuation has been conducted at the watershed level in the province [3]. - The "Two Mountains Platform" in Baisha has activated ecological resource value, providing over 41 million yuan in loans to small and micro enterprises, benefiting more than 3,900 farmers [5]. - The marine ranch at Wuzhizhou Island has seen fishery resources increase by over 200%, with fishery resources in artificial reef areas being five times higher than surrounding regions [5]. Group 2: Environmental Achievements - Hainan achieved a 99.4% proportion of good air quality days last year, with PM2.5 concentration at 12 micrograms per cubic meter, maintaining a leading position nationally in ecological quality [6]. - The flagship species of the Hainan gibbon has increased to 42 individuals across 7 groups, showcasing successful conservation efforts [6]. - The province has implemented a comprehensive ban on plastic, achieving an 80% replacement rate with biodegradable products [6]. Group 3: Green Industry Development - Hainan's new energy vehicle ownership reached 409,000 units by the end of last year, ranking second nationally, with a market share for new and replacement vehicles being the highest in the country [7]. - The province has established production capacities for modified materials (34,500 tons), catering products (45,000 tons), and film bags (57,100 tons) [7]. - The output value of biodegradable materials is projected to reach 406 million yuan in 2024, reflecting a growth of 68.25% [7]. Group 4: Future Directions - Hainan is committed to further advancing ecological protection and sustainable development, focusing on green and low-carbon transitions in production and lifestyle [7]. - The province aims to support the construction of a free trade port through high-level ecological environment protection [7].