| With the slowdown of exports and investment,China’s economic development has entered a new normal of slowing growth and economic transformation and development,and expanding consumption has become an important measure for China’s stable growth.Tourism is different from other consumer industries,the more the economy and society develop,the greater the demand for tourism,which can be expanded infinitely,and is a consumption "perpetual motion machine".The intensity and quality requirements of the construction of tourist attractions have gradually increased,and investing enough funds in the construction of scenic spots has become the primary task,and it is also one of the core problems that tourism construction enterprises need to solve.No matter what type of industry and industry,if you want long-term development,you can’t do without bank credit support.At the same time,the granting of credit to tourism projects has also promoted the rapid development of banking business for the banking industry,and the two have mutually beneficial and mutually promoting effects.At present,domestic commercial banks have not yet formed a perfect credit risk management system and effective management methods for granting credit to tourist attractions.This paper focuses on the risk control of bank credit to support the construction of tourism projects,specifically taking the construction of the D scenic spot tourism project upgrading project in Cangnan County,Zhejiang as an example,and the selected BC state-owned commercial banks are very strong in terms of qualifications and funds.In this paper,when selecting research methods,the literature research method,case analysis method,data analysis method and field research method are compared and reasonably used.First of all,through the comprehensive collection and sorting of literature and information on the risk control of tourism projects,and making in-depth theoretical research,we understand that there are not too many risk control materials and literature that regard tourism projects as the core research object today.Based on this situation,this paper summarizes the theoretical results obtained by the previous analysis,takes the actual case of BC state-owned commercial bank credit granting support for the D scenic spot project in Cangnan County,Zhejiang Province as the starting point,uses the risk identification theory,risk control theory,financial risk control theory and bank credit business risk theory of tourist attraction project,takes the research project construction risk and bank credit risk as the basic content,and reasonably identifies and evaluates the risk factors in the legal,credit,market and other aspects of the project.Through the preparation of the project’s financial report for analysis of operating capacity,profitability,debt service coverage ratio and sensitivity,the reasons for the formation of credit project risks are analyzed,and the total amount of credit is approved by combining the first and second repayment capabilities of the project.Through the above research,according to the difficulty of risk resolution,the preventive measures to strengthen the credit risk of tourism projects in D scenic spot in Cangnan County,Zhejiang Province are proposed,that is,the strategies of risk avoidance,risk transfer,risk sharing,risk mitigation and risk taking are adopted to prevent related project risks,so that relevant tourism projects can be developed and constructed according to the plan.On the other hand,banks must comprehensively assess bank credit risks according to the specific implementation of risk prevention measures for tourism scenic spots,and put forward key risk control measures such as pre-loan,loan and post-loan for tourist scenic spot projects from the perspective of banks,so as to reduce bank credit risks,which has certain reference significance for credit approval and risk prevention of the same type of tourism projects.The research results of this paper provide a theoretical basis for bank credit incentives and support for tourism project construction in the future,which can be used not only for risk prevention in the development and construction of tourist attraction projects,but also for risk prevention measures for banks to support similar types of tourist attraction projects,and effectively implement the credit risk management and control of commercial banks.At the same time,it can bring certain help to the construction of relevant tourist attraction projects and the development of bank financing,and fundamentally promote the long-term and efficient development of China’s tourism industry.At the same time,as a bank practitioner,the author has the qualifications and conditions for project field investigation,as well as the advantages of obtaining first-hand field investigation data to analyze the development of Cangnan County D scenic spot project. |
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