● A few days ago, the General Office of the State Council issued the Opinions on Further Stimulating the Potential of Culture and Tourism Consumption, and put forward specific measures from nine aspects: introducing measures to benefit the people, enriching product supply, developing night economy, improving tourism environment, promoting industrial integration, and strict market supervision.

　　● The tourism industry chain includes six aspects: eating, living, traveling, traveling, shopping and entertainment, all of which involve consumption. In the eyes of the industry, financial services can explore the combination point in all links. At the earliest, the "traditional bank+offline travel agency" model was the main one, that is, some offline large travel agencies cooperated with banks to launch staged tours.

　　● With the development of new consumption formats and new modes, consumer credit has gradually penetrated into the fields of culture and tourism. Especially with the wide application of information technology such as big data and cloud computing, the popularity of the consumer credit industry has soared, and the consumption mode of using online credit loans to purchase offline services has been sought after by more and more consumers.

　　● According to the latest statistics of the National Bureau of Culture and Tourism, in the first half of this year, the per capita consumption expenditure on education, culture and entertainment of the national residents was 1,033 yuan, an increase of 10.9% over the same period of last year, accounting for 10.0% of the per capita consumption expenditure; It is estimated that there will be 3.08 billion domestic tourists and the income will be 2.78 trillion yuan, up by 8.8% and 13.5% respectively. There were 72.69 million inbound tourists and 64.9 billion US dollars in international tourism revenue, both of which increased by 5%.

　　Our reporter Zhao Li

　　Intern Xie Huixu of our newspaper

　　A few days ago, the General Office of the State Council issued the Opinions on Further Stimulating the Potential of Culture and Tourism Consumption (hereinafter referred to as the Opinions), which put forward concrete measures from nine aspects, such as introducing measures to benefit the people, enriching the supply of products, developing the night economy, improving the tourism environment, promoting industrial integration and strict market supervision, so as to focus on both supply and demand and stimulate the potential of residents’ cultural tourism consumption.

　　The "Opinions" clearly stated that it supports the expansion of cultural and tourism consumer credit business, encourages the issuance of joint bank cards with merchant discounts and consumption stages, innovates the mortgage and pledge model of consumer credit, and develops credit products with different down payment ratios, terms and repayment methods.

　　In this regard, Qi Xiaobo, assistant director of the Tourism Research and Planning and Design Center of China Academy of Sciences, said in an interview with the reporter of Legal Daily: "The introduction of the tourism financial credit policy in the Opinions will not only provide more convenient services for residents’ daily cultural tourism consumption, but also help expand the banking financial services and financial consumption market."

　　Aim at both ends of supply and demand

　　Stimulate cultural tourism consumption

　　The new consumer finance platform has been embedded in daily consumption scenes such as tourism, and the credit consumption loans provided by banks can support consumers’ various consumption needs more flexibly.

　　Wang Yun is an account manager of a state-owned commercial bank. According to her introduction, personal credit consumption loans launched by banks can be used for cultural and tourism purposes, but strictly speaking, they cannot be used in investment fields such as purchasing wealth management products.

　　"Our consumer loan amount can be up to 800,000 yuan from 600 yuan, and the cumulative amount that can be applied for by self-service channels such as online banking, mobile banking and smart terminals is up to 300,000 yuan, and the interest rate is relatively low." Wang Wei said.

　　As an employee of an investment company, Guo Xiao told the reporter of Legal Daily that financial institutions, including banks, venture capital groups and risk control groups, have provided installment payment, credit cards, consumer credit and insurance services for tourists. Of course, under the general trend of "tourism+finance", travel-related enterprises, including OTA platforms and travel agencies, also take the initiative to connect with financial institutions, take advantage of internet finance, innovate to build a tourism financial service platform, and provide tourists with financial services for the whole tourism industry chain, such as payment and settlement services, tourism foreign exchange management, and tourism consumption staging.

　　Looking up relevant information, the reporter of Legal Daily noticed that before 2010, tourism consumption finance developed, and the first mode was "traditional bank+offline travel agency", that is, some offline large travel agencies cooperated with banks to launch the case of staged travel.

　　Regarding the background of introducing a series of policies and measures in terms of cultural and tourism consumption credit and means of payment, Qi Xiaobo said that on the one hand, the reason is that with the continuous and rapid improvement of living standards of urban and rural residents, residents’ culture and tourism consumption continue to expand. On the other hand, since the beginning of this year, the downward pressure on the economy has been great, the consumption demand of residents has slowed down, and the growth space of traditional consumption areas is limited. Stimulating cultural and tourism consumption is another market stimulating measure after the consumption policies such as automobiles and household appliances.

　　According to the latest statistics of the National Bureau of Culture and Tourism, in the first half of this year, the per capita consumption expenditure of education, culture and entertainment of the national residents was 1,033 yuan, an increase of 10.9% over the same period of last year, accounting for 10.0% of the per capita consumption expenditure; It is estimated that there will be 3.08 billion domestic tourists and the income will be 2.78 trillion yuan, up by 8.8% and 13.5% respectively. There were 72.69 million inbound tourists and 64.9 billion US dollars in international tourism revenue, both of which increased by 5%.

　　"It can be seen that there is a lot of room for cultural and tourism consumption to be released, and many new consumption patterns and product formats have also been born in the market, which is of great significance to expanding domestic demand and promoting economic transformation." Qi Xiaobo said.

　　According to Qi Xiaobo’s analysis, the General Office of the State Council issued the "Opinions" with the purpose of exerting strength from both supply and demand, constantly stimulating the cultural and tourism consumption potential, and promoting the cultural and tourism consumption facilities to be more perfect, the consumption structure to be more reasonable and the consumption environment to be more optimized. According to the data of the National Bureau of Statistics, the contribution rate of final consumption expenditure to economic growth reached 76.2% in 2018, and consumption has become the "main engine" to stimulate the economy. "The rapid development of culture and tourism consumption finance has further promoted the upgrading of consumption and improved the quality of life of residents."

　　With the development of new consumption formats and modes, consumer credit has gradually penetrated into the fields of culture and tourism. At the same time, with the application of information technology such as big data and cloud computing, the popularity of consumer credit industry has soared, and the consumption mode of using online credit loans to purchase offline services has been sought after by more consumers.

　　"The policy on tourism consumption credit in the Opinions is conducive to expanding the market for financial services and financial consumption of banks. Facing the growing middle-class consumers, joint bank cards for hotel reservation and air ticket purchase will have rich customer resources, and they have better income level and purchasing power. Once this market is activated, it will greatly stimulate cultural tourism consumption. " Dong Dengxin, director of the Institute of Financial Securities of Wuhan University of Science and Technology, said.

　　Tourism consumption finance is active.

　　Risk prevention and control needs to be strengthened

　　In 2013, the Internet finance boom led to a number of online travel platforms that entered the field of consumer finance earlier. After 2015, tourism consumer finance has attracted more attention, and many online travel platforms are rushing in.

　　Guo Xiao said that from the current users of various Internet tourism enterprises, the users of content enterprises represented by Ma Honeycomb have grown strongly, and the online usage scenarios of tourism users have gradually deepened. E-commerce platforms have transplanted the concept of consumption first and then payment to the development of tourism. For example, Huabai launched by Alibaba and JD.COM Baitiao launched by JD.COM all use their huge platform user base to guide the change of consumption concept, and then through the implantation of tourism concepts and industries, they have launched installment payment services for tourism products on their own platforms to meet the needs of tourists.

　　According to the data, at present, most online travel platforms have launched tourism staging products, and at the same time, an entrepreneurial platform focusing on tourism staging has been born.

　　"The deep integration of information technology and consumer credit business makes consumers basically not limited by the business hours and processing space of financial institutions. After users submit their identity information online, the platform can quickly complete the review and grant credit lines in time. For financial institutions, Internet consumer credit can handle small loans in batches and in a standardized way, which also helps to better prevent risks. " Dong Ximiao, vice president of Chongyang Financial Research Institute of Renmin University of China, said.

　　According to Guo Xiao, the tourism consumption financial service platform has the characteristics of low loan amount, short loan period and low borrowing cost. Take the white note business of a tourism enterprise as an example, its maximum amount is only 50,000 yuan, but it is at a medium level in related businesses, and the loan repayment period is relatively simple, with only 10 months and 3 months. From the operational level, the operation interface of the tourism consumption financial platform is simple and intuitive, with the characteristics of fast approval and fast payment.

　　Recently, according to media reports, a number of users said that they borrowed money from a well-known tourism company’s "Money Tour" and "Journey White Strip" and were charged a loan acceleration package of 199 yuan by the platform. The annual interest rate of comprehensive loans exceeded 300%. Some media found on the 21CN complaint platform that from May to July this year, there were as many as 277 complaints about this travel platform, such as "beheading" and "violent collection", and there were more than 100 similar complaints about black cats.

　　In this regard, Yin Zhentao, deputy director of the Law and Finance Office of the Institute of Finance of China Academy of Social Sciences, said: "Through this phenomenon, we found a problem, that is, technology enterprises do financial business. Many travel online platforms started with technology companies. Even in the tourism industry, they actually do Internet business as technology companies. The standards and requirements required for financial business are still relatively high. Many technology companies still have some deficiencies in risk control ability or understanding of finance, which cannot be made up in a short time. Therefore, in the early stage of industry development, similar phenomena are relatively normal. "

　　Zeng Rong, who has been engaged in the development of tourism financial products, said that due to the complex characteristics of the tourism industry, the tourism supply chain is long, there are many capital circulation links, and there are many cross-industries, it is easy to produce loopholes in capital precipitation and control. The risk control model of tourism consumer finance comes from the bank risk control model, but it needs to be further evolved in combination with the characteristics of the tourism industry. The construction and investment of tourism projects is a long-term and continuous process, and the prosperity of tourist attractions takes a long time. Therefore, the future income of tourism is very uncertain, and tourism loans are mainly pledged by the right to operate scenic spots and the right to charge tickets.

　　Regarding the risk of tourism consumption loans, Yin Zhentao thinks: "On the one hand, the tourism expenses are still relatively large. Driven by the installment of tourism loans, are the individual’s affordability and tourism demands appropriate? Nowadays, many young people travel overseas by stages and go to some countries with relatively high consumption levels, which will increase their debt pressure. How to achieve healthy guidance is worth thinking about. "

　　"On the other hand, the tourism industry is special. The consumption stages of tourism industry are usually given to tourism service providers at one time. If consumers change their itinerary or cancel their itinerary for some reason, there are obstacles and difficulties in terms of consumer protection and service. This may require enterprises and regulatory authorities to jointly create a good development space or establish feasible market rules for constraints. " Yin Zhentao said.

　　Innovating mode and strengthening supervision

　　Ensure the healthy development of the industry

　　Even if there are risks, the relationship between consumer financial services and consumption scenarios has become increasingly close. The whole industrial chain of tourism includes six aspects: eating, housing, traveling, traveling, shopping and entertainment, and all links involve consumption. In the eyes of the industry, financial services can explore the combination point in all links.

　　"such as financial needs before going out; The demand for capital guarantee, installment consumption and shopping during travel; Demand for consumption tax refund and financial management after travel. The innovative integration mechanism of tourism and finance can effectively expand the scale and dependence of tourists and users, and improve the experience of tourism consumers. " Guo Xiao said.

　　While paying close attention to the realization of traffic, many online travel platforms are turning to industrial finance in another way. An insider who once had working experience in the financial services department of an online travel platform revealed: "Industrial finance has a single energy level of 50 million, and the amount of personal consumption finance is too small, and the level difference is too much. We are more based on the financial needs of enterprises in the tourism industry chain. The overall financing scale in 2019 almost reached 1 billion yuan. "

　　Regarding how to effectively guarantee the benign development of tourism consumption credit, Yin Zhentao thinks that "the most important thing is to rely on the high attention of the regulatory authorities".

　　Regarding the innovative consumer credit pledge model proposed in the Opinions and the development of credit products with different down payment ratios, terms and repayment methods, Yin Zhentao said: "First, we must have a risk awareness and license concept for the industry and carry out business according to market rules. Secondly, we must consider a large number of our own clients (such as mobile apps or computer software), financial consumer protection, data security and business logic of the industry, as well as factors such as business development logic, financial regulatory requirements and corporate social responsibility.

　　Yin Zhentao also suggested that at the relevant regulatory level, there should be guidance first, including guiding technology companies to carry out financial business, giving innovative license resources to technology companies, and guiding financial consumers to form a reasonable consumption concept. Secondly, there must be constraints, and it is necessary to clarify the regulatory authorities and institutions. In the process of supervision, we must also consider the characteristics of this new format and innovate the supervision methods. "The supervision of such enterprises is different from that of traditional financial institutions, and the data flow of such financial companies will be more difficult to supervise, which may require scientific and technological supervision means."

　　According to insiders, the risk control ability has an impact on the income scale and cost through the audit pass rate and bad debt rate respectively. Under normal circumstances, the higher the interest and service fees of a platform, the worse the credit standing of the users, and the higher the approval rate; Improving the ability of risk control can ensure that the audit pass rate will increase while the interest and service fees remain unchanged, thus expanding the income scale.

　　"Improving the ability of risk control can reduce the bad debt rate under the condition that the audit pass rate is certain, thus reducing the cost." Zeng Rong suggested that it is necessary to fully integrate Internet big data credit reporting with multi-dimensional data sources, personal credit certification, quantitative rating, etc. to achieve rapid automatic approval, flexibly configure risk control models, reduce risk control costs, improve approval efficiency, and reduce the incidence of bad debts. It will be an important competitiveness for tourism financial service providers to build a risk control system based on credit information system, so that enterprises can reduce operating costs and enhance their comprehensive competitiveness while increasing their financial service capabilities.　

I. General situation

(1) Cross-border e-commerce. From January to November, the transaction volume of cross-border e-commerce in the province reached 38.54 billion yuan (according to the statistics of Chengdu, Luzhou, Deyang and Mianyang cross-border e-commerce comprehensive test areas), of which 7.47 billion yuan was imported and 31.07 billion yuan was exported. Chengdu Comprehensive Test Zone achieved a transaction volume of 37.93 billion yuan, up 104% year-on-year, of which 7.44 billion yuan was imported and 30.50 billion yuan was exported. The transaction volume of Luzhou, Deyang and Mianyang comprehensive test areas is 180 million yuan, 290 million yuan and 140 million yuan respectively.

(2) Market procurement trade. From January to November, the pilot market procurement trade completed 11,248 export orders, with an export value of 4.51 billion yuan, 3.2 times that of 2019. In 2020, 480 new pilot entities were put on record, totaling 6,501, including 15 new pilot foreign trade enterprises, totaling 33. The main types of export commodities are daily necessities, mechanical products, plastic rubber products and home textiles, and the export destination countries are mainly Poland (2.68 billion, accounting for 59.3%), Belarus (960 million, accounting for 21.2%) and Hungary (640 million, accounting for 14.1%). The value of goods transported by rail was 4.46 billion yuan, accounting for 98.8%.

Second, the industry news

(1) The Ministry of Commerce awarded the license to the Import Trade Promotion Innovation Demonstration Zone. On December 8, the Ministry of Commerce held a promotion meeting on the cultivation of national import trade promotion and innovation demonstration zones in Kunshan, Jiangsu Province, and officially awarded licenses to 10 import trade promotion and innovation demonstration zones, including Tianfu New District in Sichuan. Assistant Minister Ren Hongbin pointed out that the import demonstration zone should give full play to the role of promoting imports, serving industries, promoting consumption and demonstrating. The Ministry of Commerce, the Food and Drug Administration and the Export-Import Bank made policy announcements on cross-border e-commerce retail imports, medical device import registration procedures and import credit business respectively.

(2) The Association advocates strengthening the protection of new employment groups for e-commerce. In order to further support and standardize the development of new business forms and strengthen the protection of new employment groups, on December 17th, Sichuan E-Commerce Association issued a Proposal on Protecting the Rights and Interests of Express Delivery Personnel to express delivery companies, calling for improving the employment system, setting the salary system and improving working conditions. Cross-border electronic commerce Association of Sichuan Province issued the Proposal on Protecting the Rights and Interests of New Employment Groups to cross-border e-commerce enterprises, calling for standardizing the identification of labor relations and optimizing the working environment. In view of the long live broadcast, high work intensity and high industry mobility, Sichuan E-commerce New Format Alliance issued the Proposal on Protecting the Rights and Interests of Anchor, calling for supporting live broadcast, providing convenient scenes and encouraging public welfare to bring goods.

Third, the activity highlights  

(1) Holding a special promotion meeting on the pilot market procurement trade mode in Guangzhou. On November 30th, the Market Procurement and Trade Service Center successfully held a special promotion meeting in Guangzhou on "Sui-Rong Win-Win Innovation Jinniu" —— "Made in Sichuan" products’ foreign trade expansion and market procurement and trade mode pilot. More than 50 foreign trade, Chinese herbal medicines, supply chain and logistics enterprises from Guangdong participated in the event. Jinniu district preached the advantages of jinniu district’s business environment, the planning of Chengdu International Trade City’s functional area construction and market opportunities to the participating enterprises, and held a discussion with outstanding foreign trade enterprises in Guangdong. Jinniu district makes full use of the advantages of market procurement policy to promote China’s famous, excellent and special products to overseas markets.

(2) The special matchmaking meeting of "Sichuan Export Commodities Exchange" was held in Chengdu. On November 27th, the special matchmaking meeting of "Sichuan Export Commodities Fair" directed by the Department of Commerce and the Department of Economy and Information Technology was held in Chengdu New Century Convention and Exhibition Center as a sub-activity of "Sichuan First Consumer Goods Exhibition". "Sichuan Export Commodity Exchange" strives to build a multi-functional and digital international exhibition and trade center with the products of "Sichuan-made, Sichuan-made and Sichuan-created" as the core, which integrates image display, cultural communication, brand experience, commodity trading, terminal consumption, data management, index release, supply chain management, brand incubation, exhibition economy, tourism shopping and talent cultivation. It is planned to have a famous wine Expo and a famous tea Expo and trade center.

(3) Investigate the cross-border e-commerce industrial belt of Leshan small agricultural machinery. On December 1st, Chengdu Cross-border E-commerce Association, together with Chengdu Customs, Leshan Municipal Bureau of Commerce, Pakistan Sichuan Chamber of Commerce, Afrindex China-Africa Business Road, Chengdu Leshi Power Purchasing Company, Sichuan Micang Supply Chain Management Company and Chengdu Gu Dao Science and Technology Company, visited 9 enterprises in Jingyan County Small Agricultural Machinery Industry Belt, including Xudong Machinery, Wanma Machinery and Chuanggong Machinery, to exchange views on the export prospects of small agricultural machinery in Pakistan, Africa and Southeast Asia. From January to September, the total import and export volume of Leshan small agricultural machinery industrial belt was 98 million yuan, accounting for 2.7% of the city’s total import and export volume. The main products were threshers, single-phase motors, hay cutters, sun dryers, etc. The main export markets were Thailand, Russia, India and Nepal.  

Fourth, corporate style

Sichuan haimaotong network technology co., ltd. Established in April 2015, with a registered capital of 118 million yuan, it is a wholly-owned subsidiary of Mianyang Xinxing Investment Holding Co., Ltd., a subsidiary of Mianyang High-tech Zone Management Committee. The company gives full play to the advantages of China Science and Technology City and e-commerce industrial cluster, builds and expands overseas market network around strengthening the core sector of international trade, and cooperates with enterprises in North America, Europe, Central Asia and Southeast Asia in cross-border procurement, sales, logistics, credit guarantee and international settlement, covering cross-border trade and business. The company has built a 3,000-square-meter Mianyang cross-border e-commerce supervision center and Mianyang foreign trade comprehensive service platform, which can provide comprehensive services such as cross-border e-commerce incubation, foreign exchange settlement and tax refund, trade consultation and basic customs clearance based on "one platform and one warehouse".

V. Special News of "2020 Sichuan Goods E-commerce Festival"

With the theme of "Wan Shang Yun Chuan invites you to buy", the launching ceremony of "2020 Sichuan Goods E-commerce Festival" was held in Chengdu on December 1. Liu Xin, director of the Department of Commerce, delivered a speech, and more than 300 people attended the provincial departments such as the Provincial Party Committee Network Information Office, the Department of Economy and Information Technology, and the Agriculture and Rural Department, as well as the competent commercial departments, e-commerce platforms and enterprises in 21 cities (states), marking the "three ones". The activity aims to accelerate the expansion and upgrading of new consumption such as live broadcast, short video and social interaction, and actively promote the two-way acceleration of online and offline integrated consumption, guided by the new mode of "live e-commerce+". The "Sichuan" version of the e-commerce festival has the following characteristics.

First, the new e-commerce format (live broadcast) alliance in Sichuan Province was formally established. On the day of the event, the "Sichuan E-commerce New Format (Live Broadcasting) Alliance was formally established, and the" Sichuan E-commerce New Format (Live Broadcasting) Alliance Action Convention "was issued, and the" Sichuan E-commerce Enterprise Ranking "and" Sichuan E-commerce Brand Ranking "were published, and the construction of" Sichuan Network Marketing Talent Pool "was started. Second, the daily traffic of the online live broadcast theme is non-stop. Mainstream platforms such as Aauto Quicker, Taobao, Ronge Shopping, JD.COM, Suning.cn, and 1919 launched the promotion of Sichuan goods columns, and nearly 1,000 organizations such as Sichuan Post, Sichuan Mobile, and Yunshang New Vision simultaneously organized a series of preferential promotions. Eight major theme activities, including "Poverty Alleviation, National Tide, Shoes and Clothing, Sichuan Wine and Tea, Digital, Sichuan Food, Business Travel to Japan, and Agricultural Special Day", were held from November 10 to 10. Third, the activities of regional sub-venues are wonderful and good. Adopt the mode of "1+2+3+7", that is, "1 (Chengdu main venue) +2 (Suining and Neijiang) +7 (regional central cities such as Mianyang, Deyang, Leshan, Luzhou and Dazhou) +3 (live broadcast line of business travel in Lizhou District of Guangyuan, Zhaojue County of Liangshan and Yuexi County for poverty alleviation)", and carry out anchor delivery.

By 12: 00 on December 18th, the online retail sales during the "2020 Sichuan Goods E-commerce Festival" reached 84.5 billion yuan, including 57.3 billion yuan in physical retail sales and 27.1 billion yuan in service retail sales. There were 3,090 local anchors, and the "2020 Sichuan Goods E-commerce Festival" applet accumulated 1 billion shop visits and 1,530 page views.