“A bowl of spicy hot hot hot hot hot hot hot and hot, after the Zibo barbecue and Harbin ice and snow, the year of 2024, the Gansu Tianshui Spicy Spicy Circles quickly came out, and the whole network was hot.Behind the debut of Tianshui Spicy Hot “C”, it is inseparable from the support of financial institutions.In recent years, the integration of “finance+cultural tourism” ecological scenarios has become the direction of banks. From the perspective of analysts, banks can build a financial service ecosystem around upstream and downstream enterprises in the cultural tourism industry chain, but it also needs to strengthen the recognition of risks.And control, establish a sound risk management system.
Bank credit product rush collection “finance+cultural tourism”
“A bowl of spicy hot and hot hot hot hot hot spots. After the Zibo barbecue and Harbin ice and snow, the year of 2024, Gansu Tianshui Spicy Spicy Circles quickly came out, and the whole network also led to the optimization and innovation of financial services.On March 24, a reporter from Beijing Commercial Daily sorted out and found that many local banks upgraded credit products.
The Postal Savings Bank Gangu County Sub -branch innovatively launched the characteristic credit product “Pepper Loan” to provide financial services for the pepper industry in Gangu County. Since the launch of “Pepper Loan”, it has issued a total of 34.5 million yuan.The Gangu County Union also innovatively launched the “Jiaoxiang Loan” credit products. Beijing Business Daily reporters noticed that the amount of this product’s loan quota is 5 million yuan (large planting households, up to 1 million yuan in operators; up to 3 million yuan in peasant cooperatives; agricultural societyThe maximum service organization and small and micro agricultural enterprises are 5 million yuan), and the loan period is 1 & mdash; the 3 -year and the lowest annual interest rate to 4.75%.A set of data shows that in the first two months of 2024, the Gangu County Union has issued a total of 12.1 million yuan to support loans to the pepper industry.
In order to increase the support for the agricultural industry of Biitu, the Bank of Gansu Tianshui Branch launched the “Longcheng · Merchant Loan” product, mainly for small and micro enterprises, hotel tourism industry and collection of vegetables and pepper planting, sales, and storage in the jurisdiction.Single merchants provide financing docking services.Lanzhou Bank (2.550, 0.00, 0.00%) Tianshui Branch launched a “fast loan”. Since Tianshui spicy hot and hot in March, the bank has added more than 40 credit -related industries and a credit amount of more than 12 million yuan;Industrial and Commercial Bank of China Gansu Branch innovatively launched a variety of products such as merchant loans, planting E loans, E fast loans, and E -enterprise fast loans, in order to meet the financing needs of new agricultural business entities and small farmers.
From the explosive Zibo barbecue to the current Tianshui Spicy Spicy, the development of financial and tourism economy has shown diverse characteristics.”Barbecue Loan”, “Barbecue Credit Card”, “Chili Loan” and “Flower Pepper Loan” are endless. Behind innovation, the bank actively responds to the performance of the market and customer needs, and the real economy of financial services.The desire of the guest.
Zhu Keli, executive director of the China Information Association and the founding dean of the National Research Institute, said in an interview with Beijing Business Daily that it helps Tianshui Spicy Enterprise. In the future, banks should penetrate the financial needs of the industrial chain in the development of customized product servicesIn combination with the characteristics of Tianshui and spicy and corporate culture, a series of financial products that are both in line with market laws and close to the actual corporate financial products.For example, the “Spicy and Scalfment Industry Chain Financing Plan” can be launched, which should cover all -round financial support from raw materials procurement, production and processing, logistics distribution to terminal sales.Considering the seasonal fluctuations of the spicy and permanent industry and the peak period of capital demand, banks can also provide flexible short -term financing products, such as “peak season loans” to help enterprises cope with the funds gap in operations.
In recent years, strengthening the cultural tourism cooperation model and the construction of “finance+cultural tourism” ecological scenes have become a major direction for the banking industry.Judging from the Zibo barbecue that had burst into fire before, many businesses chose to enter the venue with the help of barbecue flow to buy barbecue gearcies from the bank to open the shop “pull people”.The determination is large. After the heat is diminished, individual businesses face the situation where customers have serious loss, profitability and expenditure cannot be balanced. In this context, banks need to balance risks instead of “one loan.”
Talking about how banks strengthen the cooperation model of cultural tourism and drive the development of performance. Financial commentator Zhang Xuefeng emphasized that banks can provide special project financing products in terms of development and construction and tourism project operations.House rooms, catering and other credit -related credit products to meet their operating funds and expansion needs.However, in the process of cooperating with enterprises, banks also need to strengthen the recognition and control of risks and establish a sound risk management system.Through comprehensive analysis of customers’ credit situation and industry development trends, timely discover and respond to potential risks to ensure the security and stable development of business.
According to Bo Wen, the vice chairman of the Chinese Enterprise Capital Alliance, banks can innovate financial products and provide exclusive financing services for the cultural tourism industry.For example, launch special loans and credit loans for cultural tourism projects to meet the capital needs of enterprises in project development and operation.Third, banks can build a financial service ecosystem around the upstream and downstream enterprises of the cultural tourism industry chain.Through the establishment of close cooperative relationships with upstream and downstream enterprises in the industrial chain, sharing industrial resources, and providing customers with comprehensive financial services.At the same time, you can use financial technology to improve the payment experience of the cultural tourism industry.For example, to promote convenient payment methods such as mobile payment and QR code payment to provide tourists and merchants with safe and efficient payment services.
Insurance characteristic insurance products new
“A bowl of hot and hot hot hot hot hot hot, with a city”, after “entering Zizi to grill” and “Irson pet fan”, the urban cultural tourism is very popular.Tianshui Malaysia has frequently appeared on the hot search list on major social platforms, attracting tourists to “check in” from all directions.
Tianshui is spicy out of the circle, and all walks of life in Tianshui also quickly opened the “fancy” pet powder mode.Recently, the Gansu Regulatory Bureau of the State Financial Supervision and Administration of Financial Supervision and Administration stated that it encourages insurance companies to take the initiative to actively provide tourists who come to Tianshui to provide high -quality and efficient services and comprehensive risk guarantee measures, and launch “spicy insurance” travel accident insurance to escort tourists in all aspects.
Under the call of regulators, “Spicy Insurance” really came.According to the Tianshui Insurance Industry Association, the PICC Property & Casualty Insurance Tianshui Branch focused on the continuous growth of Tianshui tourists and specifically developed and designed the “Spicy Insurance” travel accident insurance.The total amount is 585,000 yuan, the premium is only 1 yuan, and the guarantee period is 3 days.
What is the specific guarantee of “Spicy Insurance”?A reporter from the Beijing Commercial Daily contacted relevant insurance salespersons that the product can provide accidents such as disability payments, accidental medical expenses compensation, acute diseases, and emergency medical transportation costs and other guarantees.Taking accident medical expenses as an example, the insurance insurance amount is 50,000 yuan per part, the payment ratio is 80%, and the deductible amount is 100 yuan.If tourists want to insure, contact relevant insurance companies to buy.
“& Lsquo; spicy insurance & rsquo; low price and high cost performance.” Economist Yu Fenghui said that for tourists, this can be played with peace of mind, but also can get financial compensation when accidents occur.Risk of travel.
In addition to the special products for tourists, for the risks of emergencies, responsibility for public food safety, public crowded stomach, and emergency public transportation accidents, three net red spicy stores have received 3 million yuan in security liability insurance, allowing tourists to be in TianshuiDuring travel, travel with peace of mind, have fun, and eat at ease.
Wang Peng, a researcher at the Beijing Academy of Social Sciences, said that for spicy stores, safety liability insurance can ensure economic support in risks such as emergencies and public transportation accidents.This insurance not only helps stores to respond to possible compensation liability, but also enhance consumers’ trust in the store.
“& Lsquo; spicy insurance & rsquo; Travel accident insurance and the safety liability insurance of the spicy stores reflect the insurance risk transfer and economic compensation function, providing tourists and merchants with real protection.” Wang Peng concluded.
In fact, whether it was the previous Zibo barbecue, Harbin ice and snow tour, or the recent Tianshui spicy spicy, the cultural tourism industry was inseparable from the “add firewood plus fire” of financial power.
For example, at the time of Harbin Ice and Snow Tour, the Heilongjiang Regulatory Bureau of the State Administration of Finance and Administration of Finance and Administration also said that actively guiding bank insurance institutions within their jurisdiction to increase financial support for ice and snow tourism enterprises, innovate cultural tourism services, increase credit distribution, and increase credit.Stimulate ice and snow consumption vitality.Earlier, the Zibo Insurance Industry Association also held a “cultural tourism economy” insurance product promotion meeting for some property insurance companies to help the “Barbecue Festival” for the “Cultural Tourism Economy”.
Insurance institutions also responded positively and cross -border integration.For example, the Chinese Life Heilongjiang Branch actively connected the relevant enterprises in the ice and snow industry to tailor insurance products for it; the design and development of the “smooth love Zibo barbecue insurance” travel accident insurance products.Wang Peng pointed out that by providing diverse financial products and services, financial institutions can meet the needs of cultural tourism enterprises in project construction, operations, and risk management, thereby promoting the prosperity of the cultural tourism industry.
