Constructing a linkage coordination mechanism to provide financial guarantees for helping enterprises rescue rescue rescue

Recently, the Ministry of Culture and Tourism of the People's Bank of China jointly issued the "Notice on the Restoration and Development of the Cultural and Tourism Industry" (hereinafter referred to as the "Notice"). Under the impact of the new crown pneumonia's epidemic in the cultural and tourism industry, the "Notice" combines industry characteristics and practical needs, focusing on increasing financial support, providing differentiated financial services, improving credit supply systems, broadening financing channels, reducing financing costs , To improve the employment of employees and the credit reporting services, it will make detailed work deployment, which is conducive to the promotion of the cultural tourism industry to resume development as soon as possible. It has the following characteristics:

The first is to promote deployment at a high level, and closely linked the main line of rescue. The culture and tourism industry has become a new engine for new momentum and high -quality development of my country's economic growth, and it is an important starting point for meeting the needs of the people's good life. As the bloodline of the real economy, finance plays an important role in promoting the efficient integration and optimization allocation of cultural tourism resources, and supporting the healthy development of the cultural travel industry.

Under the influence of repeated and uncertainty of the epidemic, the cultural travel industry was strongly impacted, and some cultural tourism companies were forced to press the "suspension key" to fall into the operating difficulties of reduced orders and fierce competition. According to the results of the domestic tourism sampling survey, the total number of domestic tourism in 2021 was 3.246 billion, only 54.0%before the epidemic in 2019, and the domestic tourism income (total tourism consumption) 2.92 trillion yuan, only to 51.0 before the epidemic in 2019 %. The support of capital elements is the key to the recovery of the industry. How to restore the industry's vitality through financial innovation has become a key issue that needs to be solved.

The "Notice" is a financial policy for supporting the development of the industry and the relevant competent authorities since the epidemic. The "Notice" focuses on the needs of the cultural tourism industry's bailout, and encourages the construction of a four -party collaborative mechanism for the construction of the ministry: the cultural and tourism administrative departments at all levels should give play to the advantages of the competent industry department, formulate a list of companies in difficulties in the impact of the epidemic; culture and tourism in various places The financial service center must take the initiative to understand and collect corporate financing needs information. If conditions permit, the establishment of an industry bailout fund can be initiated; Docking with enterprises in the list; banking financial institutions should adopt various methods in accordance with the principles of marketization to actively support cultural and tourism companies to resist the impact of epidemic. The "Notice" provides strong measures for the cultural travel industry from the aspects of monetary policy tools, financial products and services, credit supply systems, and relaxation of employees. The predicament and re -entening industrial development confidence brought by enterprises and practitioners provide path guidelines.

The second is to innovate the financial guarantee mechanism and crack the key issues of cultural tourism. Due to the attributes of the cultural and tourism industries that have difficulty evaluation of light asset value, large capital investment volume, long investment recycling period, and low financing of financing, cultural tourism companies have always faced issues such as difficulty in financing, expensive financing, and slow financing. The occurrence of the epidemic has a strong impact on culture and tourism companies. Most companies have been tested in cash flow, and some projects may face losses. The financing dilemma has become the main obstacle to restricting the integration of innovation and high -quality development of the cultural tourism industry.

The "Notice" gives full play to the department's cooperation and multi -level collaborative cultural tourism and financial guarantee mechanism, and puts forward targeted measures for the financing dilemma and key blockage points of cultural tourism enterprises. The survey shows that bank credit is one of the most common financing methods for cultural tourism companies. In order to improve the credit supply system of cultural tourism enterprises, the "Notice" put forward specific requirements for promoting the service service of credit products, credit services, loan models, and organization innovation of cultural tourism industry, and encourage financial institutions such as banks to provide cultural tourism enterprises with their industry characteristics in accordance with their industry characteristics And needed professional credit services.

At the same time, a single financing channel also increases the capital risk of the enterprise. In order to further expand the financing channels of cultural tourism enterprises and reduce financing costs, the "Notice" proposes many measures to promote the problem. For example, for financing pain points such as insufficient fixed assets of cultural tourism enterprises, evaluation of intangible assets, and difficulty in pledge, the "Notice" comprehensively considers the development foundation and subdivided industry characteristics of various places, and encourages localities to explore the establishment of a cultural and tourism enterprise asset evaluation system that is adapted to local conditions. At the same time, encourage cultural and tourism industries to explore the establishment of the value evaluation system of the industry in order to facilitate the establishment of intangible asset evaluation and benign trading mechanism, and further expand the financing model. In response to the demand for the active assets of cultural tourism enterprises, the "Notice" supports localities to revitalize the assets of corporate enterprises in accordance with the characteristics of local cultural tourism enterprises, asset characteristics, etc., and enhance the company's own "hematopoietic function" to promote the expansion of effective investment, form existing assets and newly increase Investment virtuous circle.

The third is to stabilize human capital elements and focus on sustainable development. As the most important production factors in the process of economic development, human capital, in the context of cultural tourism integration, the knowledge, skills and innovation capabilities of practitioners are related to the sustainable and high -quality development of the cultural travel industry. However, due to the impact of the epidemic, the loss of human capital also caused great loss and uncertainty effects on the cultural travel industry. According to the "National Travel Agency Statistical Survey Report of the 2021" issued by the Ministry of Culture and Tourism, as of the end of 2021, the number of people in my country's travel agency was 279,000, a decrease of 137,000 compared with 2019 before the epidemic.

The "Notice" is based on the long -term development of the literary travel industry. It puts forward financial support measures on improving employment and credit reporting services of cultural tourism industry, encouraging cultural and tourism administrative departments at all levels to adopt various measures to stabilize the team of employees; encourage banking financial institutionsConstruct the information sharing mechanism of employees with the culture and tourism administrative departments at all levels, apply for the loan application of relevant employees, and take a reasonable delay in repayment time, extend the loan period, and extend the repayment of the repayment.The repayment arrangement is submitted to the credit record, which guarantees the vital interests of cultural and tourism practitioners to the greatest extent, and has a multi -party joint effort to stabilize the employment of employees in the cultural travel industry.(The author is Song Yangyang, deputy director of the Cultural and Culture and Tourism Ministry of Tourism, Deputy Director of Cultural Brand Evaluation of the Institute of Creative Industry and Technology, Renmin University of China; Editor: Yang Shuo)

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