看资产更看价值 金融“贷”动湖北文旅焕新
<p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">文旅项目投入大、周期长、回本慢，传统信贷往往“看不准、等不起”。眼下，湖北金融机构不再只盯着固定资产，而是把客流、文化价值纳入评判体系，让好山好水有了融资新路子。<br style="box-sizing: border-box; -webkit-tap-highlight-color: transparent;"/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">暑假来临，神农架木鱼镇游客多了起来。可花溪民宿主理人周莉却犯了愁，入住率不理想，客单价始终上不去。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; font-weight: bold;">神农架林区花溪名宿主理人 周莉：</strong>我们的硬件设施不会比别人差，就是因为没有自己的文化IP，满房率也是差很多。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">打造主题院落、设计专属IP，前期启动资金就得百万元。正当她发愁时，神农架农商行文旅特色支行带来了转机。针对民宿轻资产、缺抵押的痛点，银行推出专门产品，周莉靠民宿抵押，一周就拿到了200多万元贷款。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">银行敢贷，底气来自神农架三年打造130家精品民宿的清晰规划。截至目前，当地已为近1200家文旅商户投放贷款超8亿元。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; font-weight: bold;">神农架农商银行党委委员、行长 余星：</strong>深化银政企三方联动赋能文旅产业发展，力争三年内助力辖区50家民宿完成品牌化升级。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">在武汉昙华林，百年老建筑也在金融活水下重焕光彩。老街民国建筑多，文保要求高，古法修缮成本远超普通翻新。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; font-weight: bold;">武汉武昌古城建设发展有限公司财务负责人 赵桢：</strong>如果项目完全靠我们企业自筹资金的话，工期至少还要拖延近两年，错过了客流红利。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">汉口银行没沿用传统的抵押模式，而是把街区客流、商户流水、文化增值潜力都纳入评估。今年昙华林游客突破570万人次，商户一铺难求。基于这套新评估逻辑，银行将贷款年限从常规的5到10年拉长至25年，精准匹配街区改造节奏。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; font-weight: bold;">汉口银行总行公司银行部副总经理 潘晓：</strong>认可历史街区独特的文化溢价与片区的增长潜力，综合授信4亿元，让文化资产转化为可以融资的信用资本。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">目前，汉口银行已为吉庆街、蛇山北坡等城市文旅更新项目授信超百亿元。</p><p><br/></p><section style="overflow-wrap: break-word; max-width: 100%; color: rgb(67, 74, 84); font-family: -apple-system-font, Helvetica, PingFang SC, Hiragino Sans GB, Arial, Microsoft YaHei; font-size: 14px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); box-sizing: border-box; margin-bottom: 0px;"><section powered-by="xiumi.us" style="overflow-wrap: break-word; max-width: 100%; margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;"><section style="overflow-wrap: break-word; max-width: 100%; height: 1px; background-color: rgb(160, 160, 160); box-sizing: border-box; line-height: 2em;"><span leaf="" style="overflow-wrap: break-word;"><br style="overflow-wrap: break-word;"/></span></section></section></section><p style="overflow-wrap: break-word; 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