Recently, the Yuzhong section of the Chongqing Pilot Free Trade Zone has continued to optimize the business environment of cultural tourism and deepen the cooperation mechanism between cultural tourism and finance in view of the characteristics of "light assets, long cycle and slow return" of the cultural tourism industry.
The region has linked up with Chongqing's first cultural and tourism characteristic sub-branch, the Bank of Chongqing's cultural and tourism characteristic sub-branch, innovatively launched the characteristic financial product of "cultural tourism loan", and set up a government-bank cooperation risk compensation fund pool to explore a new path for the integrated development of "cultural tourism + finance", effectively solve the problem of difficult and expensive financing for cultural and tourism enterprises, and provide strong support for the high-quality development of the cultural and tourism industry.
According to reports, the Yuzhong sector has implemented the following key measures: ** In cooperation with the Cultural Tourism Characteristic Branch of Chongqing Bank, a risk compensation fund pool of 50 million yuan has been established.
This mechanism lowers the credit threshold for cultural and tourism enterprises through policy guarantees and capital pool support. In the event that the loan cannot be performed at maturity, the risk will be shared by the capital pool and Bank of Chongqing in a ratio of 7:3.
The application process for "cultural tourism loan" has been clarified, the financing needs of enterprises are collected on a regular basis, and a green channel for credit approval is built through the cultural tourism sub-branch to provide a customized credit model. At the same time, digital credit services will be promoted to shorten the processing cycle of traditional credit and mortgage loans.
Upgrade your digital credit offerings. Guided cultural and tourism sub-branches to accelerate digital transformation, achieved faster loan approval and disbursement speeds, and greatly improved service efficiency and customer experience.
So far, the mechanism has achieved remarkable results. We have deepened the cooperation mechanism of "cultural tourism + finance", set up the city's first cultural and tourism characteristic sub-branch, and innovated special products such as "cultural tourism loan" cultural and tourism finance to help the high-quality development of cultural tourism and financial integration. In 2022, Yuzhong District will achieve an added value of 88 percent of the cultural industry800 million yuan, the added value of the tourism industry is 100 million200 million yuan.
Solve the problem of financing difficulties for cultural and tourism enterprises. Since the promotion of the "cultural tourism loan" model, the review team has recommended a total of 13 "cultural tourism loan" applicants to the cultural and tourism characteristic sub-branch of Chongqing Bank, and the cultural and tourism enterprises have received a total credit amount of 24.5 million yuan, and 21.5 million yuan of loans have been issued to 9 enterprises.
Reduce the financing cost of cultural and tourism enterprises. Under the "cultural tourism loan" model, the loan interest rate of cultural and tourism enterprises is reduced by 1%-2% percentage points compared with loans of the same type of financial institutions, enterprises of the same type and the same type of term, effectively helping cultural and tourism enterprises to solve problems.
In the future, the Yuzhong sector will continue to strengthen government-bank cooperation, innovate product design, and strengthen risk management to promote the sustainable development and upgrading of the cultural and tourism industry.
*: Propaganda Department of Yuzhong District Committee.