December 5，The 3rd 188bet best bookmaker Finance Forum of China 188bet best bookmaker Group and the opening press conference of Jiaozuo China Travel Bank Zhengzhou Branch were held in Zhengzhou。On site，Zhang Xuewu, Chairman of China 188bet best bookmaker Group, the parent company of China Travel Service Bank in Jiaozuo, said，China 188bet best bookmaker Group through continuous structural adjustment and layout optimization，The formation of 188bet best bookmaker culture as the main industry，With 188bet best bookmaker finance、New "one main and two" industrial layout with 188bet best bookmaker real estate as the pillar，has become China’s largest 188bet best bookmaker state-owned enterprise。

Zhang Xuewu also said，The opening of Jiaozuo CTS Bank Zhengzhou Branch is an important milestone event in the development process of CTS Bank，marks that 188bet best bookmaker Bank has taken a “first step in Jiaozuo”、To Zhengzhou、Expand Henan、To the whole country、A key step in the global strategic layout。

According to Zhihui’s understanding，Jiaozuo China Travel Service Bank is currently the only bank in the Chinese market that claims to be mainly engaged in the 188bet best bookmaker industry。Long time，Domestic 188bet best bookmaker projects are difficult to obtain support from banks and other financial institutions。This is because the 188bet best bookmaker industry is a heavy asset project，Such as scenic spots、Hotels etc. due to large investment scale、Long return period、Difficult to operate，High risk for banks；And light asset project，Such as travel agency、Online OTA, etc.，Because there are no assets to pledge as collateral，The risk is also huge for banks。So since 2012，What product lines has China Travel Service Bank Jiaozuo launched，What strengths have been established，What is the future development?？

As of the end of October 2017，The total assets of Jiaozuo CTS Bank reached 65.3 billion yuan，4 times more than five years ago。The balance of 188bet best bookmaker specialty business is 104.7.3 billion yuan (2012-2017) year，23 new 188bet best bookmaker loans issued in 2017.4.7 billion yuan，Accounting for 20% of the bank’s new loans.96%；A total of 50 cooperation scenic spots have been signed。2016 annual report display，Jiaozuo China Travel Bank achieved operating income of 17 in 2016.600 million yuan，YoY growth of 54.08%。Net profit 5.7.6 billion yuan，YoY growth of 50.81%。Net interest income 12.8.5 billion yuan，An increase of 2 compared with the previous year.8.8 billion yuan，Increase 28.85%；Net fee and commission income 2.2.7 billion yuan，Increase by 1 compared with the previous year.3.6 billion yuan，Increase 148.38%；Investment income 2.3.3 billion yuan，Increase by 1 compared with the previous year.8.2 billion yuan，Increase 363.30%。

Zhi Hui Discovery，The detailed financial data of the 188bet best bookmaker business in the annual report is difficult to find。But it was revealed，Jiaozuo China Travel Service Bank adheres to the development strategy of “188bet best bookmaker + finance + Internet”，And proposed by 2020，188bet best bookmaker loans account for 50%；Travel deposits account for nearly 50%；The company’s travel credit customers account for 50%；Personal travel effective customers account for 50%，Create a truly 188bet best bookmaker-specific bank。Jiaozuo China Travel Service Bank has cooperated with Henan Provincial 188bet best bookmaker Bureau、Kaifeng、Xuchang、Xinxiang、Luoyang and other government 188bet best bookmaker platforms signed a strategic cooperation agreement，It is expected that loans for 188bet best bookmaker projects in Henan Province will reach 20 billion yuan in the next five years。

1、Covering the G end of the 188bet best bookmaker industry chain、B side、Upstream and downstream of C-terminal，Create a 188bet best bookmaker financial ecosystem

According to Jiaozuo China Travel Bank，The company is actively exploring "tradition + innovation"、“Bank + Investment Bank”、"188bet best bookmaker management output + financial services"、“Incremental tourist input + comprehensive credit” and other product combination models，Provide special 188bet best bookmaker financial services for traditional and emerging 188bet best bookmaker formats。So what product lines has Jiaozuo China Travel Bank launched so far？How is the progress of each product line？

“Create a 188bet best bookmaker financial ecosystem，Covering the G end of the 188bet best bookmaker industry chain、B side、Upstream and downstream of C-terminal，Form a 188bet best bookmaker ecosystem。G-side is the owner of the 188bet best bookmaker industry，The B side is the business side，Including scenic spots、Travel agency，C-side is the client。" You Xiang, President of China Travel Bank in Jiaozuo said，"Company、Investment Bank、Retail、Small and micro collective efforts，With the help of funds、Insurance、Financial leasing and other multi-pronged approach，Around the 188bet best bookmaker finance ecosystem，Form a replicable business model as soon as possible。”

G-side mainly refers to Jiaozuo China Travel Bank taking advantage of China Travel Service Group，Strengthen collaboration，UniCredit Corporation、International Financial Leasing Company、China 188bet best bookmaker Industry Fund, etc.，Provide investment and financing for 188bet best bookmaker project construction，Introducing consumer finance at the same time、Travel Insurance、Financial lease、Multi-faceted financial support such as industrial funds。Data display，As of the end of October 2017，Travel specialty business balance 104.7.3 billion yuan，Among them, 51 are channeled.9.4 billion yuan，Accounting for up to 50%。This is the power of G-side，Will be further enhanced in the future。Channel business means that the bank’s own funds cannot be directly invested in the financing target，Trust required、Broker、Fund subsidiaries, etc. are packaged into related trust plans、Asset management products，Bank to purchase trust plan、Indirect investment in financing targets in the name of asset management products。May 19，China 188bet best bookmaker Industry Fund and China 188bet best bookmaker Industry Fund Management Co., Ltd. announced their official establishment，It is said that the total size of the fund is set at 30-50 billion yuan，It is a national 188bet best bookmaker industry investment fund with an initial scale of 10 billion yuan。

"About B-side，Banks are lending money to scenic spots and hotels，United China Travel Service Group’s internal scenic spots、Hotel Management Company，Work together to refine financial service plans，Loan via credit、Equity Pledge Loan、Pledge of income rights loans and other methods，Form a small closed loop of funds。”Analysis by You Xiang, President of Jiaozuo China Travel Bank，Currently Jiaozuo China Travel Service Bank has launched worry-free hotel loans to the market、Hotel room night revenue right pledge loan、Travel agency revolving loan、lvtongying、Farmhouse Loan、More than 20 types of special 188bet best bookmaker financial products such as entertainment loans。As of the end of April 2017，Jiaozuo China Travel Service Bank has issued a total of 200 "farmhouse" loans to farmers in Yuntai Mountain Scenic Area，Total 80 million yuan。As early as January 2016，Jiaozuo China Travel Service Bank has launched the “Farmhouse” loan product，This product is aimed at the difficult guarantee problems farmers encounter during the loan process，Introducing the joint guarantee model based on the actual operating conditions of farmers，Voluntarily form a joint guarantee group through farmers to solve their guarantee problem，To meet the daily operating capital needs of local farmhouses、Financial needs in the process of expanding business scale (such as renovation and expansion, etc.)。July 7，Jiaozuo China Travel Service Bank and Haichang Ocean Park Holdings Co., Ltd. (HK, the largest ocean park in China.02255）Signed strategic cooperation agreement，According to the agreement, Jiaozuo China Travel Bank will provide credit financing services to Haichang、Comprehensive consulting services、“i Travel” card comprehensive rights and interests service、Financial support such as resource sharing services。

On the C side，Jiaozuo China Travel Service Bank has launched the “i Travel” card to the market，This card is a collection of "investment and financial management、Revolving Loan、Payment and settlement、Consumption Entertainment、A special card for travel and business that integrates electronic banking and other functions。Jiaozuo China Travel Service Bank sets the 26th of every month as “i Travel” day，Card holders can visit contracted scenic spots for free。As of now，The "i Travel" card has signed scenic spots covering Yuntai Mountain、Baiyun Mountain、Fuxi Mountain、Yinxu and other 32 stores。You Xiang pointed out，“188bet best bookmaker as a sunrise industry in the next ten years，Has been favored by many domestic financial institutions。But you can see，There are currently very few financial institutions targeting food in the 188bet best bookmaker industry chain、Live、row、Purchase and other links，Make a very precise service plan。”The i Travel Card is exactly what China Travel Service Bank of Jiaozuo is aiming at in the blank area of ​​travel services，Standardized financial customized products for Chinese tourists。You Xiang also said，Online，will rely on the Star Travel Platform，Recreate Jiaozuo China Travel Bank on the Internet。

2、Industrial strength of 150 billion assets, 2125 travel agency outlets, 232 duty-free shops, 140 hotels

Jiaozuo China Travel Service Bank has such a grand financial layout，Derived from the operating strength and strategic goals of the parent company China National 188bet best bookmaker Administration。Assistant to the General Manager of China 188bet best bookmaker Group、Zheng Jiang, Chairman of China Travel Service Bank in Jiaozuo said，Jiaozuo China Travel Service Bank will take advantage of the strong momentum of the development of the national 188bet best bookmaker industry，Relying on the strong industrial advantages and industry status of China 188bet best bookmaker Group，Promote the integration of industry and finance、Rongrong Collaborative Strategy，Gather the power of the entire industry，Collect the wisdom of all walks of life，Strive to create a unique 188bet best bookmaker brand，Provide one-stop shop for customers、Comprehensive financial services。

Based on the experience of developed countries，A prerequisite for banks to build a 188bet best bookmaker finance sector，That is, the bank has an internal research system on the 188bet best bookmaker industry。Because the bank’s 188bet best bookmaker finance system not only serves credit financing for 188bet best bookmaker projects，It’s not just consumer finance for individuals，But it runs through the entire 188bet best bookmaker industry chain，With its corporate finance、The three major business lines of supply chain finance and consumer finance，Covering the investment side of the 188bet best bookmaker industry、Circulation link and consumer end。

Bank product system framework for 188bet best bookmaker finance，Source "Xia Shu: Basic thinking and overall framework for commercial banks to build 188bet best bookmaker finance"

Let’s take a look at the strength of China 188bet best bookmaker Group:

China 188bet best bookmaker Group Corporation, founded in 1928, has been operating on the C side for the past 89 years、G-side and B-side already have rich accumulation。Official website display，China 188bet best bookmaker Group Corporation has formed a 188bet best bookmaker culture as its main business，188bet best bookmaker real estate、Industrial pattern that develops both 188bet best bookmaker finance and related businesses，Formed Hong Kong、Integrated industrial layout in the mainland and overseas，Covered travel agencies、Online travel、Hotel、Scenic Area、Tax-free、Real Estate、Finance、Cruise、Tourist Transport、Cultural and performing arts、RV、Golf clubs and other related 188bet best bookmaker industries and subdivisions，Is China’s largest 188bet best bookmaker state-owned enterprise，It is also the oldest in China、The 188bet best bookmaker industry chain is relatively complete、Complete 188bet best bookmaker elements、Large business scale、188bet best bookmaker enterprise with high brand value。Ranked first among the top 20 Chinese 188bet best bookmaker groups for many years。

Currently，The group’s assets are close to 150 billion yuan，Nearly 50,000 employees。Holding two listed companies: Hong Kong 188bet best bookmaker (stock code 308) and China International Travel Service (stock code 601888)。

Zhihui discovered that China 188bet best bookmaker Group is on the C side，Especially the travel agency and duty-free shop businesses have established barriers，Among them, China Travel Service Headquarters and China Travel Service Headquarters have a long history、Travel agency with greater brand influence，Business network covers the mainland、Hong Kong, Macao and overseas，Has 2125 operating outlets，The combined business scale of the two companies ranks first in the country。In addition, Mango.com is an online travel platform under China Travel Service，Promote the integration of online and offline resource businesses，Innovate to create a new model of “188bet best bookmaker + Internet”。The subsidiary China Duty Free Company is a state-owned company approved by the State Council with a comprehensive tax-free license，Currently in Mainland China、Hong Kong, Macao, Taiwan and Cambodia have opened covered airports、Onboard、Border、Passenger Terminal、Train Station、Foreign ship supply、Diplomat、A total of 232 duty-free shops in 9 categories including cruise ships and the city，Owns the world's largest single city duty-free shop - Sanya International Duty Free City。

Business on the B-side，China 188bet best bookmaker Group has further expanded its hotels、Scenic Area、188bet best bookmaker real estate、Cruise and other businesses。In the hotel business, the company focuses on "Metropark"、"Metropark International"、Four brands "Ruijing" and "Lvju"，Mainland、Held by Hong Kong, Macao and the United Kingdom、Manage 140 hotels；Business in scenic spots，A window to the world has been formed、Man-made theme park scenic spot represented by Splendid China；With Zhuhai Haiquan Bay、Qingdao Haiquan Bay、The "Haiquan Bay" hot spring series leisure resort scenic spot represented by Xianyang Haiquan Bay；Yisong Mountain、Shapotou、Three major series of mountain leisure resorts represented by Anji，Also has a stake in Huangshan、Lushan、Cableway projects in Hengshan and other scenic spots。And 188bet best bookmaker real estate business，Deeply exploring the Bohai Rim Center、Yangtze River Delta Center、Pearl River Delta Center，Already deployed in Beijing、Shanghai、Shenzhen、Shenyang、Qingdao、Hangzhou、Ningbo、Suzhou、More than 10 central cities such as Chengdu，Total assets are nearly 30 billion，Land reserve area reaches 8 million square meters。

188bet best bookmaker financial business on the G side，In addition to investing and operating Jiaozuo China Travel Bank，China 188bet best bookmaker Group Corporation is already operating Hong Kong Essence Credit Company、Finance Company、Insurance Consultants and Brokers、International Financial Leasing Company and China 188bet best bookmaker Industry Fund, etc.。

Despite the many advantages of China National 188bet best bookmaker Administration，To truly grow into a bank with 188bet best bookmaker finance characteristics，Jiaozuo CTS Bank still faces many challenges。“1、It is difficult to upgrade and innovate traditional banking services；2、The 188bet best bookmaker industry itself changes rapidly，High requirements for rapid upgrade of financial services；3、Although relying on the industrial resources of China 188bet best bookmaker Group，But how to combine it more effectively，Tighter industry-finance synergy and financial synergy still need to be quickly explored。"A travel industry executive familiar with China 188bet best bookmaker Group said about Zhihui。Managing Partner of Huiyao Capital，Yu Liangbing, the former general manager of the overseas marketing department of China Youth Travel Service, also expressed his appreciation for Zhihui，Jiaozuo China Travel Service Bank is undoubtedly good for the 188bet best bookmaker industry，But the bank will face difficulties in the 188bet best bookmaker finance business，For example, asset-heavy companies have low returns、Problems such as no mortgage for asset-light companies，No specific response measures and innovative models have been seen yet，To be seen。

The further development of China Travel Service Bank in Jiaozuo will directly determine whether the main 188bet best bookmaker business of China 188bet best bookmaker Group Corporation can reach "China's No. 1、Asia’s top、World class”，The strategic goal of the group as a whole to strive to enter the ranks of the world's top 500 companies by 2020。As understood，The group is strengthening the top-level design of its main 188bet best bookmaker business，Accelerate the optimization and adjustment of industrial structure，Formulate and adopt the 2015-2020 "Group 188bet best bookmaker Main Business Development Strategy" and "Group Industrial Structure Optimization and Adjustment Plan"。

Wang Hui, Research Director of Zhihui, also contributed to this article.

*The author of this article: Zhihui reporter Hong Liping (WeChat: hongliping719)，Welcome to communicate。

Reference: Jiaozuo China Travel Bank Major Events

On December 5, Jiaozuo China Travel Bank Zhengzhou Branch officially opened

End of 2016，Jiaozuo 188bet best bookmaker Bank introduces Zhongyuan Dadi Media Co., Ltd.、Fu Ren Pharmaceutical Group Co., Ltd.、Minsheng Pharmaceutical Group Co., Ltd.、Henan Wanxiang Science and Technology Development Group Co., Ltd. and other provincial-level high-quality enterprises have become strategic investors，Registered capital reaches 5 billion yuan；

August 19, 2015，Henan Banking Regulatory Bureau issued an approval: agreeing that Jiaozuo Commercial Bank will be renamed Jiaozuo China Travel Bank；

2015，Jiaozuo 188bet best bookmaker Bank introduces Henan Daily Newspaper Group、Henan Land Asset Operation Management Company, two provincial-level high-quality enterprises and Young Eagle Agriculture and Animal Husbandry、Two listed companies in Duofuo have become strategic investors，Registered capital increased to 32.9.5 billion yuan。

March 2014，China 188bet best bookmaker Group (formerly Hong Kong China Travel Service Group) once again increased its capital in Jiaozuo Commercial Bank，The shareholding ratio reaches 50.5% registered capital increased to 2.4 billion yuan。

October 2012，188bet best bookmaker Hong Kong invested in Jiaozuo Commercial Bank and became its largest shareholder，After introducing 188bet best bookmaker Group Corporation Hong Kong as a strategic investor，Jiaozuo Commercial Bank became the first city commercial bank in Henan Province with dual shareholder backgrounds of central enterprises and local governments。Hong Kong 188bet best bookmaker 4.100 million yuan capital increase and shareholding，Occupy Jiaozuo City Commercial Bank 19.99% of shares，Become the largest shareholder。August 2012，Hong Kong 188bet best bookmaker Finance Co., Ltd. opens，188bet best bookmaker Hong Kong has taken a substantial step towards building a financial business segment。

October 2010，Established Hong Kong China Travel Service (Xinyang) Jigongshan Cultural 188bet best bookmaker Development Co., Ltd. in a joint venture with Henan Jigongshan Cultural 188bet best bookmaker Group Co., Ltd., which is wholly owned by the Xinyang Municipal Government，Jointly operate and develop Jigong Mountain Scenic Area；

End of 2009，China Travel Service Hong Kong (Dengfeng) Songshan Shaolin Cultural 188bet best bookmaker Co., Ltd. was established as a joint venture with Dengfeng Shaolin Cultural 188bet best bookmaker Group Co., Ltd., which is wholly owned by the Dengfeng Municipal Government of Henan Province。