民族地区银行支持旅游业发展的难点及对策——以呼伦贝尔市为例

民族地区银行支持旅游业发展的难点及对策——以呼伦贝尔市为例Abstract:Tourism is an important industry in ethnic regions, which can

—— 民族地区银行支持旅游业发展的难点及对策以呼 伦贝尔市为例 Abstract: Tourismisanimportantindustryinethnicregions,whichcan bringeconomicbenefitsandpromotethedevelopmentoflocal culture.However,thedevelopmentoftourisminethnicregions facesmanychallenges,suchasfinancingdifficulties,lackof professionaltalentsandweakinfrastructure.Inthispaper,wetake HulunbuirCityasanexampletoexplorethedifficultiesand solutionsofbanksupportforthedevelopmentoftourismin ethnicregions. 1.Introduction Asoneoftheimportantpillarsofthenationaleconomy, tourismisalsoamajorindustryinethnicregions.Intheprocessof tourismdevelopment,financingplaysanimportantrole.However, comparedwithdevelopedareas,ethnicregionshaveinsufficient financialsupportandlimitedcreditresources,whichposesgreat challengestothedevelopmentoftourism. 2.Difficultiesinbankingsupportforthedevelopmentof tourisminethnicregions 2.1Insufficientcreditresources Comparedwithdevelopedareas,ethnicregionshavelimited creditresourcesandinsufficientinvestmentchannels.Banks' willingnesstoinvestinethnictourismisweakerthaninother areas,resultinginalackoffundingavailabletostakeholders.For example,inHulunbuirCity,thefundinggapfortourism developmentiscommonlyseenintheconstructionof infrastructure,promotionoflocalcultureprojects,andinvestment intourismserviceproviders. 2.2Lackofprofessionaltalents Thetourismindustryrequireshigh-qualityprofessional talentstoprovidehigh-qualitytourismservicesandcreate valuabletourismproducts.However,manyethnicregionssuffer fromashortageofprofessionaltalentsduetothelackoffinancial incentives.Similarly,manytourism-relatedbusinessessufferfrom