| As an important pillar industry in ethnic regions,tourism plays a crucial role in rural revitalization.The development of the tourism industry cannot do without the support of finance.Commercial finance has certain limitations in supporting the development of the tourism industry,and the complementary role of policy finance is indispensable at any time.As the only agricultural policy bank in the country,the Agricultural Development Bank of China has further increased its support for the development of the tourism industry in recent years,closely focusing on national strategies such as poverty alleviation and rural revitalization.Its financial support continues to play an increasingly important role in the development of the tourism industry.This article focuses on the problems and reasons of policy banks’ financial support for the development of the tourism industry in Aba Prefecture,aiming to explore effective paths for agricultural policy banks to better support the development of the tourism industry.The paper adopts a combination of qualitative and quantitative analysis methods,using theoretical analysis,statistical analysis,and case analysis methods for research.Firstly,based on the study of the overview of the Agricultural Development Bank of China and the tourism industry,the current situation of financial support for the development of the tourism industry in Aba Prefecture Branch of the Agricultural Development Bank of China was studied,and then the specific practices and achievements of the bank’s financial support for the tourism industry were detailed.Then,through in-depth analysis and summary,it is concluded that there are four main problems in the financial support for the development of the tourism industry in Aba Prefecture Branch of Agricultural Development Bank of China: the lack of broad credit support for tourism related industries,relatively high credit access conditions,inadequate collaboration with the financial industry,and imbalanced development between credit support counties.After in-depth analysis,it can be concluded that the main reasons for these problems are the narrow business scope of the Agricultural Development Bank,relatively fixed financial policies,incomplete effective coordination mechanisms,significant differences in the development status of each county,and limited personnel conditions of the Agricultural Development Bank institutions.In summary,the paper proposes to expand the business scope of the Agricultural Development Bank of China and Aba Prefecture’s tourism industry development,continuously adapt to the development needs of new tourism formats,and enhance the comprehensiveness of tourism industry support;Explore the implementation of differentiated credit policies,increase assistance to tourism enterprises to enhance their financing and disaster response capabilities,and promote the implementation of tourism industry loans;Consolidate strength,improve effective coordination mechanisms,and take multiple measures to improve the financial environment supporting the development of the tourism industry;Better leverage the role of institutional personnel,enhance the awareness of counties in developing tourism and increasing tourism financing,and focus on addressing the imbalance of financial support between counties;Regarding the national strategy of serving the country,we will introduce financial service measures to address the post pandemic era in the tourism and other service industries,and further implement financial support policies for local economic development. |
