我国旅游保险制度变迁研究

发布时间：2018-04-21 03:30

本文选题：旅游保险 + 制度变迁　；参考：《华侨大学》2014年硕士论文

【摘要】：我国旅游保险自20世纪80年代起步以来，发展缓慢，明显滞后于旅游业的高速发展，旅游保险制度在对促进旅游保险业发展，处理旅游纠纷，规范旅游市场方面起到重要作用。本研究从制度变迁角度梳理旅游保险制度发展历程，综合运用文献调查法与案例分析法，深入分析各阶段旅游保险制度制定的背景、制度构建过程及实施成效，归纳我国旅游保险制度发展的逻辑特征。通过构建旅游保险制度供给与需求函数，分析制度非均衡的状态与表现，从静态均衡与动态均衡两个视角提出我国旅游保险制度的优化策略。此外，，结合区域发展旅游保险的宝贵经验，以海南省作为案例进行分析，梳理海南省旅游保险制度变迁的独特性，揭示旅游保险的政策制定与区域旅游保险业之间的关系，探索适宜海南省旅游保险发展的制度优化策略。通过对我国旅游保险制度变迁历程的梳理以及供给需求的均衡分析与研究，可以获得以下研究结论： 1.依据行政部门颁布的对旅游保险市场具有明显影响的制度作为分界点，将我国旅游保险制度发展历程分为三个阶段：制度萌芽阶段、制度正式产生阶段、制度发展完善阶段，总结我国旅游保险制度变迁的特点包括：政府主导的强制性制度变迁、基层自发的诱致性制度变迁和阶段强化的渐进性制度变迁。 2.对不同阶段旅游保险制度的供求分析可知，萌芽阶段制度供给不足表现在制度保障范围过窄、监管制度不完善、惩处力度不足等方面；正式成立阶段制度供给不足表现在旅游者合法权益无法保障、旅行社经营风险无法转移、政府部门监管职能无法落实等方面；发展完善阶段制度供给不足表现在规范范围需扩大、风险管理数据库需利用与企业积极性需调动等方面。 3.通过对我国旅游保险制度优化的SWOT分析，从静态均衡与动态均衡两个视角提出制度优化策略。其中动态均衡视角下的制度优化策略包括细化制度规范、深化协作系统和完善保障体系；静态均衡视角下的制度优化策略包括完善市场监管体系、提高市场运作效率和优化市场发展环境。
[Abstract]:Since the beginning of our country's tourism insurance in the 1980s, the development of tourism insurance has been slow and obviously lagged behind the rapid development of tourism industry. The tourism insurance system plays an important role in promoting the development of the tourism insurance industry, dealing with tourism disputes and standardizing the tourism market. This research combs the development course of tourism insurance system from the angle of system change, synthetically uses the literature investigation method and the case analysis method, deeply analyzes the background, the system construction process and the implementation result of each stage tourism insurance system formulation. This paper sums up the logical characteristics of the development of tourism insurance system in China. By constructing the supply and demand function of tourism insurance system, this paper analyzes the state and performance of system disequilibrium, and puts forward the optimization strategy of tourism insurance system in our country from the two perspectives of static equilibrium and dynamic equilibrium. In addition, combining with the valuable experience of regional tourism insurance development, taking Hainan Province as a case study, this paper analyzes the unique characteristics of Hainan's tourism insurance system, and reveals the relationship between tourism insurance policy making and regional tourism insurance industry. This paper explores the system optimization strategy for the development of tourism insurance in Hainan Province. Through the analysis and research on the evolution of tourism insurance system in China and the equilibrium of supply and demand, the following conclusions can be obtained: 1. According to the system which has obvious influence on the tourism insurance market promulgated by the administrative department as the dividing point, the course of the development of the tourism insurance system of our country is divided into three stages: the embryonic stage of the system, the stage of the formal emergence of the system, the stage of the development and perfection of the system. The characteristics of the institutional changes of tourism insurance in China are summarized as follows: the compulsory institutional changes led by the government, the spontaneous institutional changes at the grass-roots level and the gradual institutional changes strengthened at the stage. 2. Through the analysis of the supply and demand of tourism insurance system in different stages, it can be seen that the shortage of institutional supply in budding stage is reflected in the narrow scope of system protection, the imperfect supervision system, the insufficient punishment and so on. The lack of system supply in the formalization stage is manifested in the following aspects: the legal rights and interests of tourists cannot be guaranteed, the operating risks of travel agencies cannot be transferred, and the supervisory functions of government departments cannot be carried out. The shortage of institutional supply in the stage of development and perfection is reflected in the expansion of the normative scope, the need to utilize the risk management database and the need to mobilize the enthusiasm of enterprises, etc. 3. Based on the SWOT analysis of tourism insurance system optimization in China, this paper puts forward the system optimization strategy from the two perspectives of static equilibrium and dynamic equilibrium. The system optimization strategies under the dynamic equilibrium perspective include the refinement of institutional norms, the deepening of cooperation systems and the improvement of security systems, while the system optimization strategies under the static equilibrium perspective include the improvement of the market supervision system. Improve the efficiency of market operation and optimize the market development environment.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.6;F592

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