Southeast Network May 12 news (Fujian Daily reporter Wu Hongxiong correspondent Shi Yousen Su Jiancheng) 700,000 yuan! A few days ago, Shunchang County Yuankeng Ancient Town Tourism Development Co., Ltd. successfully "realized" the right to operate several ancient houses in hand, and successfully exchanged a loan of 700,000 yuan from the Shunchang County Branch of the Postal Savings Bank, becoming the first pledge loan of "Gucuo Operating Income Right" in our province.
Yuankeng Ancient Town is a famous historical and cultural town in China and a rich area of ancient houses in northern Fujian. There are more than 200 ancient houses in the town, including 158 in the town and 64 well preserved. The village roads and water systems in the township area, especially in Xiushui and the eastern suburbs, remain in their original state, and the village pattern is complete.
In recent years, in combination with the tourism development of the ancient town, the local government has accelerated the acquisition, repair, protection and development of ancient buildings, successively purchased and repaired the "Three Great Buildings of chen" in the eastern suburbs, the former residence of Zhang Shanzhou in Xiushui, the general soldier's mansion in the eastern suburbs, and restored the Zhu Ancestral Hall, the Cai Ancestral Hall, the Zhiyuan Hall (Chen Hu's Former Residence), the Tongsi Pavilion, the Fufeng Three Small Buildings, the Zhang Ancestral Hall, and the Xiao Ancestral Hall Gate Tower.
The funds required for the protection and repair of ancient houses are huge, and the government alone is far from enough. After the repair of the ancient house, the income can be better realized through operation. Can I use the right to operating income as a pledge to lend money to a financial institution? To this end, on the one hand, the local government actively docks with financial institutions and explores the pledge financing mode of "gucuo operation right"; on the other hand, the village collective collects or leases the ancient residences from individuals according to the principle of appropriate collection and collection, and then leases the operation rights for 30 to 40 years to the yuankeng ancient town tourism company that is introduced, and the tourism company takes the operation right of the ancient residence as a pledge and lends money to the financial institution.
After a two-way comparison and selection, the Shunchang County Branch of postal savings bank finally lent the first "Gucuo operating income right" pledge loan in our province.
"Next, we will use the loan funds to repair and protect the ancient houses, and at the same time implant the slow life format, transform the ancient houses into homestays, book bars, coffee bars, traditional culture study centers, etc., and further revitalize and make good use of the resources of ancient houses." The person in charge of Yuankeng Ancient Town Tourism Company was introduced.
"The successful approval of the 'Gucuo Operating Income Right' pledge loan not only solves the problem of funds for the protection and repair of gucuo, but also helps to tap the potential of ancient houses themselves, convert historical and cultural resources into financial asset funds, and activate the enthusiasm of society to participate in repair and protection." According to the relevant person in charge of the Provincial Department of Housing and Urban-Rural Development, the next step will also strengthen the docking with financial institutions, encourage financial institutions to innovate financial products such as ancient house loans, and carry out capital financing in the form of storage and custody.
This year, our province actively innovate financial products, help urban construction quality improvement work to speed up, in addition to the Nanping innovation of the "Gucuo operating income rights" pledge loan, Quanzhou City also cooperated with Quanzhou Rural Commercial Bank to launch the "Funong Naked Housing Loan" product, to support rural naked housing remediation, at present, the city has successfully granted credit to 407 households, the amount of credit 34.92 million yuan.
Source: Southeast Net