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旅游业己逐渐成为我国一个重要的新兴产业,它对我国升级转变发展方式、优化经济结构以及不断扩大内需都有十分重要的作用,旅游业已和汽车业、房地产业一样,与金融业不断深度融合发展,形成新的消费金融产业细分领域——旅游消费金融。本文通过对我国旅游消费金融领域的发展现状进行分析和总结,指出发展我国旅游消费金融领域目前服务范围较小,发展潜力巨大的有利条件和居民传统消费习惯制约了旅游消费金融的发展等问题,最后提出旅游消费金融领域发展的对策,为中国金融助推旅游业发展提供了较深入的探讨。
Tourism has gradually become an important emerging industry in our country. It plays a very important role in upgrading and transforming our country’s development mode, optimizing the economic structure and continuously expanding domestic demand. Tourism, like the automobile industry and the real estate industry, has been deeply integrated with the financial industry Development, the formation of a new consumer finance industry segment - tourism consumer finance. This paper analyzes and summarizes the development status of China’s tourism consumer finance, points out that the development of China’s tourism consumer finance currently has a small service scope and huge development potential, and residents’ traditional consumption habits have restricted the development of tourism consumer finance. In the end, the countermeasures for the development of tourism consumer finance are put forward, which provide a more in-depth discussion on the development of tourism in China.