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南京的三月全是游客,旅行社的钱去哪了?

  • 2026-04-01 18:06:37
南京的三月全是游客,旅行社的钱去哪了?
鸡鸣寺的樱花树下，举着手机拍照的人比花都多。中山陵的台阶上，旅游团的小旗子一个接一个。老门东的巷子里，拖着行李箱的小姑娘边走边查攻略。
南京的旅游旺季，真的来了。
但你坐在旅行社的办公室里，看着窗外的人流，想的可能是另外一件事情：这么多外来游客，钱呢？
一、看上去很美，算下来很惨
三月本是旅行社的“黄金月”。
春节过完，春和景明，一个冬天的寒冷终于过去。南京作为热门旅游城市，酒店涨价、景区排队、餐厅爆满——所有的迹象都表明，钱在流动。
但钱都到哪里了？
落到了平台上。游客在携程订票、在美团订酒店、在小红书找攻略，平台抽成一笔不少。
你呢？你在中间当调度员，一个人赚几十块辛苦费。忙了一个月，账上还是空的。
这几年大环境不好，老百姓出门旅游也精打细算了。以前是“来都来了，该花就花”，现在是“能省就省，回去再说。”旅行社夹在中间，两头受气。
二、为什么旅行社那么难？
你想贷点钱周转，跑了几家银行，全拒了。
银行有他们的逻辑：
第一，你的资产，全是“空气”
几台电视机、几张桌子、电脑里的客户名单、跟景区签的协议——这些东西在银行眼里都不算。
第二，你的生意，全靠“别人脸色”
景区涨价你扛着，酒店满房你道歉，平台抽成你忍着。你什么都控制不了，银行一看：这生意风险太高，不贷。
第三、你的账本，银行看不清
现金收的团费、微信转的定金、支付宝付的车费——钱都去哪了，你自己可能都算不清。银行调出来的流水，全是零散的个人账户记录。
三、政策其实在帮忙，但很多老板们不知道
2025年，国家出了不少针对小微企业的政策。普惠小微贷款、文旅行业专项再贷款，都是专门给旅游相关企业输血的。
但问题是：你知道这些政策吗？你的材料能过审吗？你的流水够规范吗？
政策摆在那，但够得着人不多。
四、最后说一句
南京三月，游客来了，钱也来了。
但钱能不能流进你的口袋，不看你有多忙，看你会不会“让银行看见你”。
你的旅行社，不只是几台电脑和一张办公桌。你要有稳定的客源，有长期合作的资源，有在南京扎根很多年的经验。这些东西，银行不是不想认，是不知道怎么认。
你得帮它们认！
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  1. CONNECT:[ UseTime:0.000544s ] mysql:host=127.0.0.1;port=3306;dbname=b460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000810s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000790s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000294s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000642s ]
  6. SELECT * FROM `set` [ RunTime:0.000340s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000717s ]
  8. SELECT * FROM `article` WHERE `id` = 501869 LIMIT 1 [ RunTime:0.001724s ]
  9. UPDATE `article` SET `lasttime` = 1775872010 WHERE `id` = 501869 [ RunTime:0.008601s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.000327s ]
  11. SELECT * FROM `article` WHERE `id` < 501869 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000883s ]
  12. SELECT * FROM `article` WHERE `id` > 501869 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000479s ]
  13. SELECT * FROM `article` WHERE `id` < 501869 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.004181s ]
  14. SELECT * FROM `article` WHERE `id` < 501869 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.001511s ]
  15. SELECT * FROM `article` WHERE `id` < 501869 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.001367s ]
0.119074s