A Discussion For P2P Credit To Tourism Consumption:A Example By Y Company

Chinese tourism consumer credit is becoming an important tourism consumption selection mode. Traditional credit can not meet consumer demand, banks, credit institutions, have to join the tourism industry to provide consumers with a richer and more tourism consumer credit services, P2P credit it is one of the representatives, and become a new tourism market economic growth point. With the increase of the state of the Internet and new efforts to support the financial, P2P credit ushered in the first golden age of its development.The author of the study and travel abroad consumer credit consumer credit status and credit model development, particularly by the Internet financial derivatives for Tourism P2P consumer credit is a new model with a huge market potential, the supply side of the newly proposed reform for the development of tourism P2P consumer credit provided a powerful impetus. The paper also describes the purpose and significance of establishing the content of the study, methods and ideas technical route; determined by literature review method, in-depth interviews, comparative analysis, questionnaire and statistics and other research P2P credit in tourism consumption application and optimization. The system analyzes the basic theory of tourism P2P consumer credit involved:industry convergence theory, the theory of consumer credit, travel consumer behavior theory, the theory of supply and demand. Description Travel P2P consumer credit is a product of the tourism industry and Internet industry, financial integration; by reducing the impact of fluctuations in income, consumer credit changes in consumption habits and ideas; through tourism consumer behavior can be evaluated objectively reflect the development of tourism P2P credit; tourism P2P is a product or service, affected by supply and demand, subject to its regulation.This article defines the concept of tourism consumption and tourism consumer credit, consumer credit understand China's tourism development background, development status, the system had to straighten the traditional commercial bank consumer credit market three existing travel modes:one mode of travel credit card; Second, tourism consumption credit (microfinance) mode; Third, commercial banks self-built electronic business platform staging mode. By introducing three models of products, consumer credit summary appears in travel existence long review period, cumbersome, small-scale, slow development and other issues, and from tourists, tourism credit enterprises, tourism companies and four national macro-policy level, analysis slow development constraints. Therefore, we want to develop tourism consumer credit, the need for reform and innovation. By 2015, the first General Secretary Xi Jinping put forward policies of supply-side structural reforms, this policy also applies to the tourism industry and the financial sector. In the national "Internet+" of the environment, the tourism industry, the financial sector and credit industry, the effective integration of the road network, is an important way to solve the bottleneck of the development of tourism consumer credit.By introducing P2P origin, development, describes the P2P credit for my understanding. Using comparative analysis methods to commercial banks and credit companies each P2P "working loan" products, for example, the analysis compared to traditional commercial banking, P2P lending has a wide range of customers, prefer working population; mainly to consumer credit; audit cycle is short, fast loan; a high degree of the network, high efficiency; high financing costs, loan interest rate higher than the characteristics of the bank. According to the development of domestic P2P platform, try to P2P credit is introduced into the field of tourism consumer credit, the formation of P2P tourism consumption credit model. And from product advantages, serve the people, for the process, according to the audit, development status and other aspects of P2P tourism consumer credit new products-"appropriate stage" to try to explore. Through analysis, summed up the stage should have reviewed fast, easy application materials, the amount of large, wide adaptation range, do not take credit card limit is easy to operate and development advantages. However, due to the development policy issues are stagnant, and should be phased persists Features and tourists and travel companies demand gap; motivated practitioners to promote business products are not enthusiastic; Tourists consumer credit awareness is not strong; promotion of tourism employees will not high; travelers on P2P business confidence is low; tourists relatively high credit costs and other issues that need further improvement.The theory in their personal consumer credit and consumer behavior theory, formulated the Beijing Youth Travel and Tourism consumer behavior consumer credit survey by questionnaire statistical analysis, innovation in the tourism P2P consumer credit in consumer credit applications and problems. Through comparative analysis of products on the market should be staging the same type of products, "Ali travel-go ah" The launch of tourism consumer credit products-the "ant flower chanting" and with the way Tourism Network launched tourism consumer credit products, "Cheng Cheng white" of difference, and noted that the presence of the product should be phased advantages and disadvantages. And submit to the P2P credit in Tourism Consumption Credit Optimization Tips:P2P practitioners should be more active in business development; P2P product manager should travel deep into the enterprise, designed to better meet the needs of the tourist product; guided the tourists P2P trust companies; improve the quality of service for tourists. By further optimization, P2P credit should have a more promising market in tourism consumption.Should staging stagnant and do not represent all of the products will fail, we should learn from previous experience, we should retain the advantages of staging products, improve its problems, continuous improvement, developed to meet market environment and the real needs of tourists P2P tourism consumption credit products, stimulate tourism consumption, promoting tourism economy.