Introducing financial running water for rural tourism development

The improvement and upgrading of rural tourism cannot be separated from the help of capital; Rural Revitalization and poverty alleviation through tourism are even more inseparable from financial empowerment. All relevant parties should take multiple measures and make concerted efforts to effectively promote the implementation of financial support policies for rural tourism development

  in order to effectively improve the efficiency and level of rural revitalization through financial services, the people's Bank of China, China Banking and Insurance Regulatory Commission, China Securities Regulatory Commission, the Ministry of Finance and the Ministry of agriculture and rural areas recently jointly issued the guiding opinions on rural revitalization through financial services. The opinions clearly put forward that it is necessary to fully explore regional characteristic resources, support the exploration of an effective model for the integrated development of agriculture, tourism, elderly care, health and other industries, and promote the development of leisure agriculture, rural tourism, characteristic home stay, rural health and other industries. We will increase financial support for modern agricultural industrial parks and strong agricultural towns, and promote the integration of industries and villages and the integration of industries and cities. This is the continuation of a series of policies and measures issued at the national level to support the development of rural tourism, which will provide an important capital guarantee for the quality and expansion of rural tourism, and further promote rural tourism to better help rural revitalization and poverty alleviation.

   in recent years, the development of rural tourism in China has been in full swing. It has become an important force in developing rural economy, improving rural environment and optimizing rural industry, which has greatly promoted the implementation of strategies such as rural revitalization and poverty alleviation. Party committees and governments at all levels and relevant departments have reached a general consensus on vigorously developing rural tourism, and have also issued a number of policy documents to support the improvement and expansion of rural tourism. For example, in November 2018, the Ministry of culture and tourism, the national development and Reform Commission and other 17 departments issued the guiding opinions on promoting the sustainable development of rural tourism, which clearly defined such safeguard measures as improving the financial investment mechanism and strengthening financial support, Some concrete measures are put forward, such as encouraging and guiding social capital to participate in the development and construction of rural tourism, increasing the financing support for rural tourism bonds, exploring the establishment of rural tourism industry investment funds, and increasing the support for rural tourism loans.

   of course, similar policies and measures of financial services for the development of rural tourism are also mentioned in the travel related documents issued by Party committees and governments at all levels and relevant departments. It can be said that the ideas, ideas and policy measures of financial services for the development of rural tourism have been relatively clear. It is worth noting that these policies and measures still face many practical obstacles in the specific implementation process in some regions.

  first, the main body of the rural tourism development market is not mature. The development of rural tourism in most areas of China is still in the primary stage with "farmhouse entertainment" as the main mode. Most of the market players are local farmers or individual investors. Even some enterprises committed to the development of rural tourism are mostly small and micro enterprises, with weak financial strength, irregular management and unstable operating benefits. This leads to insufficient investment and development of rural tourism, and the lack of deep excavation of cultural connotation, which makes it difficult to form high-quality projects and brand effects, and then produce cluster effects.

  second, financial institutions are not sufficiently motivated to support rural tourism. Most rural areas are remote, with backward infrastructure, inconvenient transportation and few bank outlets. To support the development of rural tourism, financial institutions and banks need to add more service outlets, more operating equipment and more personnel, which undoubtedly increases the operating costs. At the same time, most of the financial institutions in rural areas are mainly rural commercial banks, credit cooperatives, postal savings, etc. The traditional bank financial service products and service models are difficult to adapt to the rich and colorful needs of rural tourism development, resulting in insufficient motivation and strength of financial support for rural tourism development.

  third, the government's policy to guarantee financial support for rural tourism is not sound. Many policies and measures have been issued by all parts of the country and departments to promote the development of rural tourism. However, there are deficiencies in the actual implementation process, which leads to banks and other social capital unwilling or afraid to enter the field of rural tourism, such as land use issues and environmental protection issues, which affect the long-term development of rural tourism and the improvement of its comprehensive benefits. At the same time, the construction of rural tourism investment project library and investment and financing platform is relatively lacking, and the financial leverage is also relatively insufficient.

   2019 is an important year for the implementation of the Rural Revitalization Strategy, and it is also a key year for the comprehensive fight against poverty. Financial support and rural tourism are both important forces to help rural revitalization and poverty alleviation strategies. Next, all relevant parties should take multiple measures at the same time and make concerted efforts to effectively promote the implementation of financial support policies for rural tourism development.

  first, government departments should take comprehensive measures to create a good environment for financial services for rural tourism. We should further strengthen policy guidance, improve credit evaluation and reward and punishment mechanisms, build a rural tourism project library and investment and financing platform, and guide social capital to invest in rural areas and rural tourism; We will further strengthen monetary policy support, give full play to the leveraging role of financial support, support rural tourism market players to become bigger and stronger, and form industrial clusters. Actively carry out assessment and evaluation of financial institutions' services for rural revitalization, and timely and dynamically track the progress of financial institutions' services for Rural Revitalization. We will further promote implementation and experience dissemination to ensure that policies benefit key areas of Rural Revitalization.

  second, financial institutions should improve their positions and optimize the products and services of financial services for rural tourism. We should clearly realize that serving rural tourism is not only a political task to help the Rural Revitalization Strategy and win the battle against poverty in an all-round way, but also a new growth point to expand the rural market and a new starting point to enrich financial services and products. We should thoroughly understand and investigate the development of rural tourism, timely understand the financing needs of the main body of the rural tourism market, take the initiative to solve the financing difficulties of rural tourism, innovate credit products and service models that meet the characteristics of rural tourism, and increase credit supply. In particular, we should appropriately lower the threshold for financing access of tourism enterprises, give preferential treatment in terms of interest rate, term and mortgage, give priority to supporting the development of leisure agriculture, rural tourism, characteristic home stay and rural health care, and promote the integration of industry and village and industry and city.

  third, farmers and enterprises should strengthen market awareness and improve the financing capacity of rural tourism market players. Based on the needs of market competition, it is necessary to strengthen the brand awareness of individuals and enterprises, establish a fine image of rural tourism, actively develop new types of agricultural business entities such as family farms, farmers' cooperatives, agricultural socialized service organizations and leading enterprises, realize scale operation through land circulation, land equity participation, productive custody services and other forms, explore and improve the risk management and control mode, and improve the profitability of market entities, Enhance the carrying capacity of financial resources.

   the improvement and upgrading of rural tourism can not be separated from the help of capital; Rural Revitalization and poverty alleviation through tourism are even more inseparable from financial empowerment. It is expected that party committees and governments at all levels, relevant departments, financial institutions and rural tourism market players will give full play to their respective initiatives, make comprehensive measures according to local conditions, promote the implementation of financial support policies and measures faster and more effective, and introduce financial living water for rural tourism quality and capacity improvement, transformation and upgrading, so as to better assist the Rural Revitalization Strategy and comprehensively win the battle against poverty.