当前,旅游和金融业加速融合,旅游消费金融应运而生。近年中国旅游消费金融市场持续高速增长,主要受益于经济稳定增长、居民消费升级、旅游消费扩张、互联网金融崛起以及政策红利释放。文章从传统金融机构、在线涉游电商、大型企业集团三方总结了旅游消费金融的发展模式,并探讨旅游消费金融市场目前存在的问题,最后展望了未来中国旅游消费金融的趋势。
<<In the context of integration between tourism and financial industry,and with the consumption finance as the new way of financial services in recent years,the tourism consumption finance emerging as the times require. Many factors contribute to the growing development of Chinese tourism consumption financial market,such as steady economic growth,consumer upgrades,expansion of tourism consumption,rise of internet finance and release of dividend policies. This article sums up the development model of tourism consumption finance from three aspects:traditional financial institutions,online tourism e-commerce and large-size enterprise groups. The article also explores the existing problems,as well as the trend of the current tourism consumption financial market.
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