發(fā)布時(shí)間：2018-04-21 03:30

  本文選題：旅游保險(xiǎn) + 制度變遷��； 參考：《華僑大學(xué)》2014年碩士論文

【摘要】：我國(guó)旅游保險(xiǎn)自20世紀(jì)80年代起步以來(lái)，發(fā)展緩慢，明顯滯后于旅游業(yè)的高速發(fā)展，旅游保險(xiǎn)制度在對(duì)促進(jìn)旅游保險(xiǎn)業(yè)發(fā)展，處理旅游糾紛，規(guī)范旅游市場(chǎng)方面起到重要作用。 本研究從制度變遷角度梳理旅游保險(xiǎn)制度發(fā)展歷程，綜合運(yùn)用文獻(xiàn)調(diào)查法與案例分析法，深入分析各階段旅游保險(xiǎn)制度制定的背景、制度構(gòu)建過(guò)程及實(shí)施成效，歸納我國(guó)旅游保險(xiǎn)制度發(fā)展的邏輯特征。通過(guò)構(gòu)建旅游保險(xiǎn)制度供給與需求函數(shù)，分析制度非均衡的狀態(tài)與表現(xiàn)，從靜態(tài)均衡與動(dòng)態(tài)均衡兩個(gè)視角提出我國(guó)旅游保險(xiǎn)制度的優(yōu)化策略。此外，，結(jié)合區(qū)域發(fā)展旅游保險(xiǎn)的寶貴經(jīng)驗(yàn)，以海南省作為案例進(jìn)行分析，梳理海南省旅游保險(xiǎn)制度變遷的獨(dú)特性，揭示旅游保險(xiǎn)的政策制定與區(qū)域旅游保險(xiǎn)業(yè)之間的關(guān)系，探索適宜海南省旅游保險(xiǎn)發(fā)展的制度優(yōu)化策略。 通過(guò)對(duì)我國(guó)旅游保險(xiǎn)制度變遷歷程的梳理以及供給需求的均衡分析與研究，可以獲得以下研究結(jié)論： 1.依據(jù)行政部門(mén)頒布的對(duì)旅游保險(xiǎn)市場(chǎng)具有明顯影響的制度作為分界點(diǎn)，將我國(guó)旅游保險(xiǎn)制度發(fā)展歷程分為三個(gè)階段：制度萌芽階段、制度正式產(chǎn)生階段、制度發(fā)展完善階段，總結(jié)我國(guó)旅游保險(xiǎn)制度變遷的特點(diǎn)包括：政府主導(dǎo)的強(qiáng)制性制度變遷、基層自發(fā)的誘致性制度變遷和階段強(qiáng)化的漸進(jìn)性制度變遷。 2.對(duì)不同階段旅游保險(xiǎn)制度的供求分析可知，萌芽階段制度供給不足表現(xiàn)在制度保障范圍過(guò)窄、監(jiān)管制度不完善、懲處力度不足等方面；正式成立階段制度供給不足表現(xiàn)在旅游者合法權(quán)益無(wú)法保障、旅行社經(jīng)營(yíng)風(fēng)險(xiǎn)無(wú)法轉(zhuǎn)移、政府部門(mén)監(jiān)管職能無(wú)法落實(shí)等方面；發(fā)展完善階段制度供給不足表現(xiàn)在規(guī)范范圍需擴(kuò)大、風(fēng)險(xiǎn)管理數(shù)據(jù)庫(kù)需利用與企業(yè)積極性需調(diào)動(dòng)等方面。 3.通過(guò)對(duì)我國(guó)旅游保險(xiǎn)制度優(yōu)化的SWOT分析，從靜態(tài)均衡與動(dòng)態(tài)均衡兩個(gè)視角提出制度優(yōu)化策略。其中動(dòng)態(tài)均衡視角下的制度優(yōu)化策略包括細(xì)化制度規(guī)范、深化協(xié)作系統(tǒng)和完善保障體系；靜態(tài)均衡視角下的制度優(yōu)化策略包括完善市場(chǎng)監(jiān)管體系、提高市場(chǎng)運(yùn)作效率和優(yōu)化市場(chǎng)發(fā)展環(huán)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.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.6;F592

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