Release the "gold" driving force!Zhejiang Banking Insurance Regulatory Bureau fully promotes supporting the development of the cultural tourism industry

As an important part of the burden of cultural tourism enterprises, the financial sector has recently deployed frequently to improve the accuracy and effectiveness of financial services, and form a joint force for financial support for tourism to resume development.

Recently, the Zhejiang Banking Insurance Regulatory Bureau jointly issued the "Notice on Doing a Better Cultural and Tourism Development Development" by the joint affairs of the Hangzhou Central Branch of the Zhejiang Banking Regulatory Bureau and the Provincial Cultural Tourism Department. The financial key support objects of bailout development have proposed eight specific measures to exert multi -party forces and promote the recovery development of the cultural and tourism industry.

In the interview, the reporter learned that many places have made combination of combination of financing costs and bailout small and micro subjects through deepening bank -enterprise docking and innovative service models, adding a force to the development of the industry to restore development.

Special Affairs Special -Office financing support is more accurate

Improving the accuracy of financial services, deepening bank -enterprise docking has become the top priority to support the development of the cultural tourism industry.

"Since this round of epidemic, in accordance with the deployment of the provincial bureau, our branch bureau has actively organized bank insurance institutions within its jurisdiction to carry out the" stability, strong collaboration, implementation of implementation ', and strive to deepen bank -enterprise docking services, promote various help enterprises to help enterprises. The measures of relief and benefiting the people have continued to take effect to ensure that 'financial live water' poured into the market subject. "The relevant person in charge of the Wenzhou Banking Insurance Bureau said.

Not long ago, the Wenzhou Management Department of Zhejiang Rural Commercial and Commercial Bank has signed a cooperation agreement with Wenzhou Cultural and Broadcasting Travel Bureau to specialize in special funds for 20 billion yuan in credit. Enterprises relieve difficulties, boost the vitality of confidence in the cultural tourism market, and promote the recovery and development of the cultural tourism industry.

Yongjia County is one of the 26 counties in the mountains of Zhejiang. It has rich tourism resources. It has always been endlessly in the Nanxi River. At present, there are about 500 homestays in Yongjia. However, since this year, the local tourism homestay industry has been affected by the epidemic.

Nanxi Qiqi Inn, located in Huangcun, Shatou Town, has opened for five or six years. The hostel owner Wang Yongfu wants to re -repair and speed up the transformation, but there is a gap in decoration funds. The Yongjia Rural Commercial Bank Communist Party learned about the situation of Wang Yongfu during the visit of the "list" of the "list" of the homestay industry. The funds are in place.

| Yongjia Rural Commercial Bank Communist Party Communist Party goes to visit Jin Bowen/Photo after a loan

The solution of Wang Yongfu's financing problem, thanks to the mortgage mortgage loan of the homestay operating rights that Yongjia Rural Commercial Bank in 2021, fundamentally solved the problem of unsecured and financing difficulties in the homestay industry. The typical practice of supporting private enterprises' reform and development is promoted nationwide. As of the end of July, Yongjia Rural Commercial Bank issued a total of 159 homestay loans, a total of 72 million yuan, of which the homestay operating rights mortgaged loan was 13.73 million yuan.

"Since the epidemic, our industry has been cold. At this time, ICBC's support has made me feel very warm." Said the person in charge of a touring company in Wencheng County. It turned out that the company's ecological farm has now developed into a core tourist attraction that integrates farmhouses, homestays, hotels, rural tourism, parent -child experience, and student research bases. Affected by the epidemic, tourists in the scenic spot have declined, and the operating income of related catering, agricultural and sideline products has shrunk, and the company has undergone greater financial pressure. In the "Enterprise Visit" activity, after the "bailout commissioner" of the ICBC Wenzhou Branch learned the company's dilemma, it flexibly used the bailout toolbox to issue a "tax loan" of 2.4 million yuan in pure credit. The "interest rate reduction policy saves financing costs.

The relevant person in charge of the ICBC Wenzhou Branch told reporters that the bank continued to increase its support for investment and financing for the cultural industry and tourism industry. As of the end of July, it has provided credit support for 68 households. , Increased by more than 30%.

Innovative products are more powerful

For the cultural travel industry, the main size of the market is different, the operating model is different, and the differentiated financial services need to be differentiated. In particular, the small and micro enterprises of cultural tourism itself are the light asset industry, and there is a problem of insufficient pledge in financing during financing. To this end, the Zhejiang Banking Insurance Regulatory Bureau urged various institutions to establish a key bailout assistance list and emergency response mechanism, and reasonably arrange the loan delay, exhibition or renewal of the market entity, not blindly drawing loans, loans, disconnection of loans, and not randomly reduced randomly. Credit levels and credit lines, reduce the rate of loan interest rates in the cultural travel industry, and reduce the rate of financial services commonly used by cultural tourism enterprises.

"Recently, the pressure of funds has been too great. Just when my 3 million yuan loan is about to expire, I have handled the non -repayment loan in Tai Shun's agricultural business behavior." People say that with their unique daemon style, their company has attracted tourists with the tourist tourism industry chain that integrates catering, homestays, and agricultural products.

| Taishun Rural Commercial Bank helps to create an intelligent payment scenario in the scenic area, and support the rescue of the main body of the cultural tourism industry

In order to increase support for cultural and tourism enterprises, Tai Shun Farmers' Bank implements policies such as “no repayment loans” and “extension of repayment of principal and interest” on maturity loans to improve the efficiency of loan turnover approval. At the same time, the grid service mechanism is constructed based on the principle of "all customer managers must have a grid, and all the companies in the area must enter the grid" as the principle, and realize the policy promotion of the "Communist Communist Communist Party" policy to achieve fixing, personnel, and duty. effect. At the same time, in order to help build the intelligent payment scenario of scenic spots, Taishun Rural Commercial Bank establishes a one -code service system for tourists' tickets, catering, accommodation and other expenses. While serving more than 270 offline receipts such as Nanpuxi, Wuyanling, Yayang Songyanghua and other counties, the bank will fully access the "Fun Tai Shun" online online online The cultural tourism platform provides high -efficiency, convenient and low -cost online aggregation orders to help the development of digital cultural tourism in the county. At present, the bank has issued a total of 270 million yuan in loans to the cultural tourism industry. Since this year, it has paid 154,400 in harvesting digital, and the transaction amount is 13.3636 million yuan.

In Yongjia County, in order to help market players relieve difficulties, Yongjia Agricultural Commercial Bank has carried out special actions for financial support for millions of market entities since June. Essence

Outdoor sports have been sought after by more and more people in recent years. Earlier, with the support of the Yongjia Rural Commercial Bank, Lingying has successfully launched a arena. The live -action CS, field competition, jungle expansion, and high -altitude expansion in the arena have been favored by young people. The epidemic restricts many people's far -reaching plans, so every weekend and holidays, people in the arena are full of people. Seeing this, Chen Xingzhen, the person in charge, wanted to add projects such as the water expansion paradise, the water slurry, the theme winter and summer camp, etc. to attract more tourists.

| Yongjia Rural Commercial Bank supports Yongjia Ling Eagle Outdoor Sports Water Expansion Park Project

The development of red and green Jinxing is more powerful

In order to fully promote the high -quality development of the cultural tourism industry, the Zhejiang Banking Insurance Regulatory Bureau requested bank institutions to provide diversified financial services, fully revitalize intangible assets such as intellectual property rights, scenic charges, and project income rights to innovate pledge loans.

Under the deployment of the Zhejiang Banking Insurance Regulatory Bureau, the Wenzhou Banking Insurance Regulatory Bureau implemented a special operation of "Red and Green Gold" for counties with red resources to guide bank insurance institutions around county's economic and social development and industrial characteristics, tilted financial resources, and tilted financial resources. Provide financial support for red cultural tourism.

The Dongtou District has rich island tourism resources. "Haixia Spirit" has always been the most influential "golden business card" of Dongtou. In order to vigorously support the development of red tourism development and further expand the education function of red resources and drive the common prosperity, ICBC Wenzhou Branch helps Dongtou District Government to integrate and enhance tourism resources, improve the "Haixia" theme tourism infrastructure, lead the establishment of a syndicated loan, support the cave The Head Haixia Base Construction Project, with a credit of 190 million yuan, and supported the progress of the construction of the construction of more than 98%. Haixia Youth Camp, Haixia College and other infrastructure and attractions have been operated outside.

"Haixia Spirit" has always been the most influential "golden business card" of the cave. The picture shows the construction project of Dongtou Haixia College fully supported by the ICBC Wenzhou Branch

In Nantian Town, Wencheng County, the founding father of the Ming Dynasty, the estimated total investment of Wencheng Modern Cultural Tourism Care Project was nearly 1.1 billion yuan. In order to support the rapid landing of the project, the ICBC Wenzhou Branch established a special tackling team to actively strengthen the communication and docking of banking enterprises, and to link up and down. Finally, the credit amount was 650 million yuan to build a southern Zhejiang pension service highland for Wenzhou, the province's elderly care service benchmark area for the province's elderly care service areas. Inject financial live water. "The reason why our project progresses so smoothly, the financial support of the ICBC Wenzhou Branch is indispensable." In the construction site in Wensheng Modern Cultural Tourism Care Project, the person in charge of the project thumbs up the work of the ICBC.

In Lu Li Village, Taishun County, who is in the red experience practice base in southern Zhejiang, Wu Yufen, a party member, is committed to accelerating the development of Lu Li's red tourism. In 2019, he established Taishun County Laodongjia Cultural Tourism Development Co., Ltd. During the business process, we face a shortage of funds. After visiting the staff of the Taishun Farmers Business Bank, after learning about this situation, it quickly issued a beautiful rural loan of 150,000 yuan to it, which solved the problem of funds.

With the support of the China Banking Regulatory Supervision Department, Tai Shun Agricultural Commercial Bank launched the "Beautiful Series" plan based on the characteristics of local red cultural tourism, and relying on the development of "loans" to the development of local tourism based on beautiful rural loans and ecological relocation loans. In response to cultural and tourism enterprises, the "green channel" approval service mechanism is formulated, the approval process is further streamlined, and the electronic approval of small and micro -enterprise loans will be promoted to "let the data run more and let the enterprise run less." As of now, the bank has issued a total of 303 million yuan in beautiful rural loans and 868 million yuan in ecological relocation loans.

The continuous injection of financial water has brought a steady stream of vitality to the revitalization of the cultural tourism industry.

Correspondent Cai Jinjie Huang Zhangmiao Huang Chengjie Chen Yue reporter Wang Qiqi

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