Financial Services Solution For Modern Tourism

October1,2013implementation of the’Tourism Law of the People’s Republic of China’ stipulates that the state encourages the types of market players, in the premise of effective protection of tourism resources, according to the rational use of tourism resources. In favor of the sustained and healthy development of tourism premise, the state encourages tourism to promote interdisciplinary collaboration with other sectors. Because of the special nature of tourism products and services, compared with the general trade type, production-oriented enterprises, for tourism, The level of cooperation with financial industry is shallow, frequency less. Not yet making full use of advantages of banks, in terms of financial intermediary, payment and settlement.From the point of view of banking financial institutions, tourism enterprises, are asset-light category, value of cash flow and operating conditions of the evaluation. Risk control has a certain degree of difficulty, and not yet in-depth cooperation. During the tourism boom, how to make bilateral cooperation more reasonable, more closely, mutual benefit, is the direction the paper tries to explore. Tourism industry concentration is low. Many companies in various industry segment. Each business situation is different. The paper tries to commonality analysis two types of tourism enterprises, hotels and tourist attractions. Today, severe competition with banks, product homogeneity serious, the paper products to be refined to extract commonalities bank analysis. In order to provide better decision-making reference for the investment and financing behavior of tourism enterprises, references to provide investment banking and other financial intermediaries.This paper is divided into four chapters, the first chapter describes the overview of modern tourism, including national, regional and Xiamen tourism market, including the Xiamen municipal government’s policy, Xiamen sub-industry overview, trends forecasting. Respectively, from the second to the third chapter, for tourist attractions, hotels, two sub-sectors analyzed. Mainly by industry analysts, the combination of product service model, pricing and charging mode, the operating organization model, the upstream and downstream business model, capital mode of operation, analysis of the various sub-sectors of the trial in the financial services program, including the bank’s target market, specialty financial products and risk control. Finally, the last chapter describes the financial cooperation with local tourism Xiamen, for example, the status of cooperation, product, cooperation entry point, risk control specific analysis.