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【多选题】
以下选项关于旅游金融业态的表述正确的是
A.
旅游金融业是旅游业与金融业跨界融合形成的新型金融业态
B.
旅游金融业是以旅游产业为基础，以金融资本为纽带发展起来的
C.
旅游保险是一类消费类旅游金融产品
D.
旅游保险是历史上最为悠久的旅游金融服务
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【简答题】试以抗疟药物的研究概况，阐述从天然药物进行结构改造得到新药途径与方法。
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