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The global economic slowdown and recovery are in serious difficulties with the deep-seated negative impact of the global financial crisis "domino effect".A lot of problems restrict the development of the global economy,such as worsening of international region political unrest,regional war and military conflict and loss of sudden serious natural disasters.Various countries in the world seek survival and development so as to adjust industrial structure,discover new market,revitalize the economic recovery,and avoid risk.Other developed countries put forward some renaissance slogan: "establishing a country by tourism" and "cultural creative renaissance" and some emerging strategies.Taking the culture tourism industry,sports fitness industry,health leisure services as the forerunner of the third industry and the first,the second industry and the building of harmonious society all high quality resources,more depth combination,be in harmony is an organic whole,as the pillar industry for cultivating and developing for our country to revitalize the economic and social development.So it is called "sunny industry" and "smoke-free environment protection economy" of the human society in twenty first Century.Yunnan is a tourism destination in China.The China National Tourism Administration regards Yunnan province as one of the pilot provinces of national tourism industry reform and as the pillar industry to cultivate demonstration mode of the tourism industry in Yunnan.It has produced positive and broad impact.Especially in recent years,Yunnan vigorously promote" start a new undertaking " of Yunnan tourism,such as "optimize structure,transformation and upgrade,carry mass efficiency ",It will focus on the goals to effort.that is how to construct Yunnan into Chinas first-class,the world famous tourist destination and the national tourism industry reform test base and demonstration window.Although the Yunnan tourism resource has great potential,the development of Yunnans tourism industry comparative advantage is still relatively lagging behaind.The role of tourism industry in overall provinces economic and social development impetus function has not been fully reflected,there are a number of reasons,such as "idea is backward,lack of innovation,reform and innovation deficiency,the unreasonable resources disposition".Especially for a long time extensive development pattern and other factors.Yunnan tourism industry still exist a series of obstacles such as: unreasonable of industry and product structure; the reform lag of state-owned tourism enterprise,the market main body do not breed sufficiently; investment and financing is insufficient in potentiality,the channel is not free; the market is not standardized,resources and industry management system piece break up seriously; industry leakage,internationalization level low,the related industry leading role is not strong,the policy support and supporting services is not enough.Generally,the tourism industry of Yunnan is facing a dilemma,not only a major reform opportunity but also restrict "bottleneck" of pressure on " start a new undertaking" Yunnan tourism industry is in a critical period of transformation and upgrading,the main aspects of the pressure and challenges from: First,domestic consumption structure upgrading and the strong support of national policy,China-ASEAN free trade zone will finally be established during the 12th Five-Year Plan,the international capital inflow and coastal industrial transformation will push the development of tourism industry in Yunnan province and provide new opportunities.Second,neighboring countries and regions regarded tourism as a key industry,its advantages and features of the all unprecedented competitive pressures and challenges of tourism in Yunnan "second pioneering".Third,Yunnans tourist industry is facing a serious risk,such as special geographic region risk,traffic road transport risk,natural disaster risk,as well as risk from various countries in South,South-East Asia around the open facing sudden events of political,economic and cultural aspects of the serious and the worst risk.They will be open to the bridgehead position at the forefront ofdevelopment of Yunnan province,causing some sudden,immeasurable loss.Especially in recent years along the Mekong River transnational militants to crew the brutal kidnapping and robbery incidents in China,as well as continuous lifting serious traffic accident that occurred in adverse impact both at home and abroad,regional political risks and disaster risk prevention and compensation issue is prominent particularly.Fourth,because of lacking and lagging that Chinas financial and insurance industries as ancillary services of the tourism and cultural industries innovative products,services platform build system and operation mechanism is not perfect,high quality service reputation,risk prevention and technology content and level of management is not in place and so on.Some problems seriously affected and restricted the construction and development of tourism and cultural industries as well as the financial and insurance industries.Facing the opportunities and challenges right now and in the future,only effective strategic choices and countermeasures of Yunnan tourism industry is: Firstly,emancipating the mind,seize the opportunity,accelerate the pace of reform and system innovation,market mechanisms play a vital role in resource allocation,development mode shift from extensive management to intensive development.Secondly must construct Yunnan the strategic construction of important bridgehead to the southwest opening,becomes important breach that promotes the Yunnan rapid economic development,to realize spanning that is new leaps.Thirdly,we must take Yunnan to construct the tourist attraction of Chinese and even world,becomes China to the international tourism collection and distribution center of Southeast Asia and South Asia,realizes spanning of the tourist resources big province to tourist economy strong province,makes a bigger contribution for the development and as national tourism industry the eagerly anticipating demonstration of Yunnan economic society.Fourthly such as financial and insurance services industry as Yunnan tourism various ancillary services products provide more quality services and innovative platform in order to give full play to the function of escort,this is the important goals and tasks of Yunnan tourism during the "12th Five-Year Plan".Fifthly,combining the actual of Yunnan tourism special risk prevention and compensation.It is an important example to practice and create the scientific development of the insurance industry on how to research and explore " Yunnan tourism portfolio insurance " business essence and mode,how to reference learning,reform and innovation from the international reinsurance principle and operating mode,then using the knowledge into domestic disaster huge risk management and the guard insurance practice of business and management,and the purpose is to adhere to the people-oriented personalized service.The topic further studies how to develop success experience and promotion problem about product innovation,pioneering and exemplary of Yunnan tourism combination of insurance.