Research On Z Bank's Tourism Finance Combination Mode And Implementation Path

On December 28,2018,the national development and reform commission issued the implementation plan for Hainan province to build an international tourism consumption center,proposing to "support tourism financial service institutions such as tourism characteristic Banks,tourism consumer credit and tourism insurance to set up branches in Hainan province to provide tourism financial products and services".This is the first time that the words "tourism characteristic bank,tourism characteristic financial service" are mentioned in the official document of the state,indicating that tourism finance has won the attention and support of relevant departments of the state,providing a strong support for the financial sector to break through the development bottleneck and find new business growth points around the national strategy.After years of development,China's urban commercial Banks have not only provided strong support for local finance,but also provided various services for other financial activities,becoming a force that cannot be underestimated in the competitive pattern of China's banking industry.However,the city's own limitations are also very obvious,such as small scale,insufficient quality resources,unreasonable asset structure,etc.,have certain limitations on its development and profitability.Since Z bank became a shareholder of China tourism group,it has put forward the development strategy of tourism bank.Although it has made some achievements in several years of development,it still faces problems such as limited development scale of tourism finance,insufficient policy support and unreasonable department setting.In view of this,this paper takes Z bank as the research object and conducts analysis and research on the premise of collecting and sorting out a large number of relevant literature.Firstly,Z bank is introduced from the development process,development orientation,organizational structure and other aspects to analyze its competitive environment and the motivation for developing tourism finance.Secondly,it analyzes the problems in the development process of tourism finance of Z bank,and finds that the existing departments of Z bank are unreasonable,the assessment mechanism is not sound,the innovation of product research and development is insufficient,and the distribution of channels is weak.Finally,countermeasures are put forward from two aspects of tourism finance development mode and implementation path.On the one hand,it is concluded that Z bank can adopt differentiation,branding and specialization to further innovate the tourism finance model,including the development of tourism cultural projects and the development of compound management.Construct the supply chain finance of travel bank and innovate the consumer finance of travel bank.On the other hand,the author puts forward the implementation path of in-depth integration of tourism finance from four aspects: strengthening the support of government tourism finance,promoting the upgrading of tourism finance products and services,cultivating the growth point of tourism finance business,and improving the integration mechanism of tourism finance.To Z bank as the object of case study,this paper on the one hand to Z bank after bank of travel route,how to build a concrete model,through which path can make tourism has a positive significance for the development of better financial business,on the other hand,serious homogeneity in the city of firm competition environment,looking for new development model for local commercial bank have enlightenment function.