商业银行与智慧旅游结合的场景金融模式探究--以广东省台山地区为例

Research on the Scenario Financial Model of the Combination of Commercial Banks and Smart Tourism--Taking Taishan Area of Guangdong Province as an Example

据中国银行近期发布的《金融场景生态建设行业发展白皮书》中的定义,场景金融模式是将金融服务下沉到相关非金融服务中,打造一站式服务与极致消费体验,敏捷响应、高效满足特定客群需求。本文以台山地区的旅游产业升级为案例,探讨了商业银行与智慧旅游结合的场景金融模式的构建,分析了台山地区旅游产业与商业银行开展金融合作过程中的亮点和不足,提出了构建场景金融模式的相关建议。

According to the definition in the“White Paper on the Development of Financial Scenario Ecological Construction Industry”recently released by the Bank of China,the scenario financial model is to delegate financial services to relevant nonfinancial services,create one-stop service and ultimate consumption experience,and respond quickl yand efficiently to the needs of specific customer groups.Taking the upgrading of the tourism industry in Taishan area as an example,this paper attempts to discuss the construction of a scenario financial model combining commercial banks and smart tourism,analyze the highlights and deficiencies in the process of financial cooperation between the tourism industry and commercial banks,and propose recommendations for the construction of scenario finance model.