“金”点子“燃”动文旅新活力 金融助力文旅产业高质量发展
今年暑期，国内旅游市场持续火热，各地游客熙熙攘攘，尽情享受着山河湖海、都市街巷、乡村阡陌带来的美好体验。在这一波文旅消费热潮中，金融力量也发挥着不可或缺的作用，通过一系列“金”点子，为文旅产业发展注入新的活力。
金融工具助力文旅消费升级
银行机构纷纷聚焦县域客户需求，推出“美丽家园”县域场景信用卡特惠活动，涵盖商超便利、餐饮美食、文旅出行等高频消费场景。贵州抓住“村超+避暑旅游”的热点，结合本地特色，开展属地化特色活动，吸引游客参与。六盘水市则以文旅电影、商超百货场景为重点，服务当地居民。
各地政府投资基金也积极行动，通过设立子基金、投资好项目，推动文旅+城市更新、区域文化IP名片、考古+研学、人文旅居乡村民宿等多个文旅细分行业向新而行。河南SoReal洛阳·未来城科幻乐园、兰考沿黄生态廊道、林州红旗渠等项目，在当地政府文旅基金的支持下，打造出数字文旅新场景，成为备受中外游客喜爱的综合性文旅目的地。
支付服务提升游客出行体验
贴心的支付服务成为文旅活动“新配套”。“大额刷卡、小额扫码、现金兜底”逐渐成为中外游客津津乐道的出行体验。中国人民银行联合文旅、交通等部门，为景区、公共交通、出租车等外籍人员常去的场所提供多样化的支付方式。例如，在景区保留人工售票窗口，支持银行卡刷卡购票，开通英文版线上订票页面，支持外卡线上支付；在重点地铁站人工售票窗口布设POS机，支持外卡受理；引导出租车司机带零钞上路，组织商业银行向出租车司机提供“零钱包”。
此外，中国人民银行与国家外汇局还指导支付宝、财付通等主要支付机构，优化业务流程，简化身份验证，提高绑卡效率，将单笔交易限额由1000美元提高到5000美元，并将年累计交易限额由1万美元提高到5万美元，以便利外籍人员扫码支付打车、餐饮、购物等日常消费。
金融支持助力文旅产业高质量发展
国务院日前发布的《关于促进服务消费高质量发展的意见》明确，引导金融机构优化信贷产品、提供差异化服务，加大对服务消费重点领域信贷支持力度，增加适应共享经济等消费新业态发展需要的金融产品供给。
业内人士表示，金融是促进文化建设、旅游发展的重要力量。当前，多地引导金融机构从资金结算、智慧景区建设、主题银行卡发放、外币兑换、开展促消费活动等多方面入手，以多元化金融服务支持文旅产业发展。
中央财经大学金融学院副院长彭俞超表示，运营景区、建设项目需要大量资金，金融业要加大信贷支持力度，尤其要聚焦重点景区、优质企业和重大项目的资金需求，为文旅产业高质量发展提供强有力的金融支撑。
英语如下：
“Golden” Ideas Ignite New Vitality in Summer Tourism
Keywords: Tourismrecovery, consumption boom, vitality burst
“Golden” Ideas Ignite New Vitalityin Tourism
Financial support fuels high-quality development of the tourism industry
This summer, China’s domestic tourism market has been red-hot, with touristsflocking to enjoy the beauty of mountains, rivers, lakes, seas, urban streets, and rural landscapes. In this wave of tourism consumption boom, financial powerhas played an indispensable role, injecting new vitality into the development of the tourism industry through a series of “golden” ideas.
Financial Tools Power Tourism Consumption Upgrade
Banking institutions have focused on the needs of county-level customers,launching “Beautiful Hometown” county-level scene credit card preferential activities, covering high-frequency consumption scenarios such as supermarkets, convenience stores, catering, and tourism travel. Guizhou has seized the hot spot of “village super + summer resorttourism”, combined with local characteristics, carried out localized characteristic activities to attract tourists to participate. Liupanshui City focuses on tourism movies, department stores and other scenarios to serve local residents.
Local government investment funds have also taken active steps, establishing sub-funds, investing in good projects, and promoting the development ofmultiple tourism sub-sectors, such as tourism + urban renewal, regional cultural IP brands, archaeology + study tours, and humanistic travel and rural homestays. Projects such as the SoReal Luoyang · Future City Science Fiction Park in Henan, the Yellow River Ecological Corridor in Lankao, and the Red Flag Canalin Linzhou, with the support of local government tourism funds, have created new digital tourism scenarios and become popular comprehensive tourism destinations for both domestic and foreign tourists.
Payment Services Enhance Tourist Travel Experience
Thoughtful payment services have become a “new addition” to tourism activities. “Large-amount swiping,small-amount scanning, and cash backup” have gradually become a travel experience that domestic and foreign tourists appreciate. The People’s Bank of China, together with the tourism, transportation, and other departments, has provided a variety of payment methods for scenic spots, public transportation, taxis, and other places frequented by foreigners.For example, retaining manual ticket windows at scenic spots, supporting bank card swiping for ticket purchases, opening English-language online booking pages, supporting online payment with foreign cards; setting up POS machines at key subway station manual ticket windows to support foreign card acceptance; guiding taxi drivers to carry change on the road, and organizingcommercial banks to provide “change wallets” to taxi drivers.
In addition, the People’s Bank of China and the State Administration of Foreign Exchange have also guided major payment institutions such as Alipay and WeChat Pay to optimize business processes, simplify identity verification, improve card binding efficiency, increase the single transaction limit from US$1,000 to US$5,000, and increase the annual cumulative transaction limit from US$10,000 to US$50,000, to facilitate foreigners to use QR code payment for hailing taxis, dining, shopping, and other daily consumption.
Financial Support Promotes High-Quality Development of the Tourism Industry
The State Council recently issued the “Opinions on Promoting High-Quality Development of Service Consumption”, which clearly states that it will guide financial institutions to optimize credit products, provide differentiated services, increase credit support for key areas of service consumption, and increase the supply offinancial products that meet the needs of the development of new consumption formats such as the sharing economy.
Industry insiders say that finance is an important force in promoting cultural construction and tourism development. Currently, many places are guiding financial institutions to support the development of the tourism industry through diversified financial services, including funds settlement, smart scenicspot construction, themed bank card issuance, foreign exchange conversion, and consumer promotion activities.
Peng Yuchao, deputy dean of the School of Finance at Central University of Finance and Economics, said that operating scenic spots and building projects require a large amount of capital. The financial industry should increase credit support, especially focusing on thecapital needs of key scenic spots, high-quality enterprises, and major projects, providing strong financial support for the high-quality development of the tourism industry.
【来源】http://www.chinanews.com/cj/2024/08-24/10273933.shtml
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