Research On Tourism Financial Innovation Model

With the advancement of marketization in China,and "tourism+" strategy.The tourism industry combine developing with finance industry,also like car industry and the real estate industry.Finally develop a new concept in finance-tourism consumer finance.As the country's increasing and people's income and living standards improve,people's demand for tourism are also gradually improve,tourism consumer finance as a new breakthrough consumer finance market.China national tourism administration,is expected in 2017,Domestic tourists in 2017 were 5 billion,an increase of 12.8%over the previous year.Domestic tourism income of 4.5661 trillion Yuan,an increase of 15.9%.Inbound tourists 139.48 million,an increase of 0.8%.In the context of the above data,the tourism development of our country is in the phase of steady growth.At present,a lot of commercial Banks,online travel agency and consumer finance company are targeting tourism consumer finance.Most of the online tourism platform are introduced in installment products:Qunar.com "take money to pay";Tuniu.com"With down payment to travel";Tong Cheng travel" Cheng Cheng loan";Boc consumer finance with Lvmama launched "little donkey loan" and "little donkey installment";UZai.com "U9 installment";51 travel agency under HNAIR" 51 installment".This article through to the tourism consumption financial theory basis and the depth of the literature reading and study,to research four common financial model as vertical resource\tourists\financial to explore the tourism consumption,and to study financial model on Yi Mei finance\Teng Bang\Tuniu.com\China travel bank,and using range of advantages and disadvantages of research model,found that study for similar company like home credit consumer finance and offline traditional travel agency on consumer finance are blank,so think about innovation to the operation mode of the 020 consumer finance companies and traditional tourism enterprises cooperation mode,and build the mode and the analysis of the advantages.The tourism consumption of financial innovation and development has practical and theoretical significance.