Research On The Innovation Of Tourist Bank Card Product System

The integration of tourism industry is an important trend in the development of tourism industry,and the integration of tourism and finance is an important part of industrial development.This article embarks from the system construction of tourist bank card products for Mount Longhushan Scenic Area,referring to the existing theoretical research results and practiccal experience of travel cards issuance,the innovation development of Mount Longhushan Scenic Area toursit bank card is analyzed.The main research achievements include the following aspects:First,tourist card issuance is led by commercial Banks,with the joint efforts from the department in charge of tourism or tourist enterprises,which provides cardholders with travel theme cards,available for tourism consumption price concessions or exclusive customer rights and interests from banks.The tourist bank card has unique design requirements,business model,product function,and customer interest and target customer characteristics,sufficiently different from other bank cards in its cooperating parties and themes.The development of tourist bank card is of considerable realistic value,either for the benefits of the tourist enterprises,commercial Banks or for the good of customers.Second,Mount Longhushan Scenic Area has rich tourism resources,diversified industries and rich experience in tourism finance operation,which indicates that the scenic spot has a good foundation for the development of tourist bank cards.The reasons for the undeveloped tourism bank cards in Mount Longhushan Scenic Area are: first,the current work of the scenic spot is important to solve the financing problem for development of the scenic spot;second,the degree of integration with the banking industry is low;third,the scenic spot lacks the support of tourism finance talents.Third,the development of Mount Longhushan Scenic Area tourist bank card should consider the spending habits of different age groups,and develop various types of cards.The external design of the cards should integrate innovative technologies,such as HCE,TOKEN,and TEE with the characteristics of scenic spots,thus the tourist bank cards are designed by combing the virtual technologies with real tourist resources.The product content development needs to grasp tightly customer's demand,and is aimed to establish a tourism consumption preferential ecological circle that encompasses Mount Longhushan Scenic Area as the core,and covers the whole province.The second is to enrich the product's membership management,financial management,installment consumption and other functions,increase the bank card product competitiveness.At the same time,Mount Longhushan Scenic Area tourist bank card should actively work with Internet companies on opening online payment channel,realizing online enterprise-customers identity recognition,and applying the bank card to the completeness of the wisdom of the tourism system.Fourth,in the aspect of tourist bank card development and security measures,governments at all levels should provide policy guarantee,coordinate the relationship among various organizations,and actively lead the issuance of the first tourist bank card in the province.In the aspect of tourism enterprises,we should not only offer preferential protection,but also take the initiative to make profits,improve the gold content of tourist bank card,and pay attention to the guarantee of talents,and train the tourism financial compound talents to help enterprises develop.Commercial Banks should provide card guarantee,form preferential merchants to accept the environment network,improve product competitiveness.At the same time,the issuing bodies should jointly provide the bank card content guarantee,expand the travel card application function,really do "one card in hand,go as you wish".