A Study On The Model Of Tourism Consumption Finance Of Commercial Banks In China

Since the reform and opening up,with the rapid development of market economy as well as relevant national policies,implement,showing a more vigorous development of tourism industry,and become a regional industry,the real estate industry and even the province of the pillar industries of the national economy.However,industrial convergence is gradually becoming a new economic phenomenon on the social stage as the industrial boundaries become increasingly blurred.So for the tourism industry,in the industrial convergence has become a general phenomenon in the context of market economy,an important way of development,its future is the organic integration with other industries,and continuous innovation and transformation of the mode of their own business or service.In today's tourism and financial industry under the background of mutual combination and mutual promoting,based on microscopic tourism consumption,specific arrival in consumer finance,tentatively in the tourism consumption within the framework of financial research to join the "tourist consumption service chain",the key to stand in the Angle of the product exploration,mining the subject.Based on ten typical domestic commercial Banks as sample,with the aid of on-the-spot interviews,online telephone contact,access to bank online data channels to carry out a careful investigation,find out they in support of tourism industry to carry out the work,think in the current our country commercial bank there are four typical way of tourism consumer financial products,it is a credit card,the second is credit,3 it is insurance agent,four is self service platform of the bank on the net.Through detailed analysis,summarized the characteristics of the four ways,supplemented by cases study,eventually found at present,China's tourism industry and the financial sector on the fusion of deficiencies,and in-depth analysis to explore the factors of leading to these problems,on the basis of this puts forward the correspondingcountermeasures and Suggestions,namely widening access conditions,promote the development of consumer financial give full play to the leading development capabilities,rich tourism consumer financial products;Strengthen propaganda and change the consumption concept of Chinese people;Strengthen the intermediary marketing function of tourism enterprises and broaden the marketing channels of tourism consumer finance products;We will improve various social security systems and promote the construction of a banking credit system.This paper is composed of four chapters.The first chapter elaborates the research background and research significance,relevant concept definition and theoretical basis,domestic and foreign literature review,research content and research method,and article research framework;The second chapter,through field visits,telephone surveys,online access to bank online data,a comprehensive analysis of the current typical tourism consumption of ten domestic commercial Banks financial products and summarized its characteristics respectively,it also elaborates the selected case some respectively,on the basis of this model for the four types of tourism consumption financial product are an integral part of the assessment;The third chapter focuses on the existing problems in the operation of the four types of tourism consumption financial products,and explores the causes of these problems.The fourth chapter puts forward corresponding solutions based on the above problems,and looks forward to the future direction and prospect of China's tourism consumption finance research.