Dazhong Net·Poster News reporter Han Hongwen correspondent Liu Huihui Rizhao reported
With the gradual diversification of customer needs, it is difficult for a single financial product to meet their needs. To provide them with financial products and services that are most suitable for their business methods based on their clients’ capital needs and industry characteristics, is the key to building long-term mutual trust with clients. In order to unblock the financing channels of cultural and tourism enterprises and boost their confidence in their development, Donggang Rural Commercial Bank seized the opportunity and jointly launched the “Cultural Tourism Fushi Loan” loan product with the Donggang District Culture and Tourism Bureau.
“Cultural Tourism Fushi Loan” product is specially tailored for Rizhao cultural tourism enterprises, targeting coastal resources within the jurisdiction Tourism development, improvement of mountain scenic spots, construction of rural recreational belts, new tourism formats and other industries are cultivated. The loan objects cover the city’s A-level scenic spots, high-quality travel agencies, boutique hotels, country houses, boutique tourist towns, cultural and creative enterprises, cultural tourism and other small and medium-sized enterprises. Micro-enterprises, as well as small, medium and micro business owners and individual industrial and commercial households related to the cultural and tourism industry.
Based on the principle of benefiting the enterprise, the maximum loan amount of “Cultural Tourism Fushi Loan” can reach 5 million yuan, and the guarantee methods include credit, guarantee, mortgage and other methods. Within the scope of controllable risks, priority will be given to the use of “credit e-loans”, “credit e-fast loans”, “family loans” and other loan processing models, and the quotas will all be based on the method of “uniform credit granting, on-demand loans, and revolving use”. Loan for up to 3 years. At the same time, customers who meet the borrowing conditions recommended by the Donggang District Culture and Tourism Bureau will be given preferential loan interest rates, flexible credit methods and priority recommendation policies.
Up to now, Donggang Rural Commercial Bank has granted 442 million yuan of credit to 1,105 cultural and tourism enterprises. Once the “Cultural Tourism Fushi Loan” was launched, it caused a huge social effect. In 2021, due to its outstanding contribution to the prosperity of local cultural tourism, the product was awarded the “Second Prize of the City’s Financial Innovation Award in 2020” by relevant local authorities, and was included in one of the “2021 China Tourism Industry Influence Cases”.