毕业论文--旅行社的责任保险的风险分析和风险控制.doc

旅行社责任保险的风险分析和风险控制 摘 要 保险业在我国发展比较晚，而旅行社责任保险的发展又受到了一定的限制，现今各大旅行社投保旅行社责任保险的比率较低，投保旅行社责任险后的赔付率又相对较高，作为保险公司来讲，需要进行合理的风险分析和有效的风险控制。针对这种情况，本文从风险分析和风险控制的角度研究旅行社责任保险存在的风险，采用层次分析法通过逐步的分析计算得出了影响旅行社责任保险风险因素的权重，根据计算出来的权重对影响旅行社责任保险的风险因素进行重要性排序，展业承保风险因素应用安全检查表，制定一个能够确定旅行社危险等级的结构模型；通过对主要风险因素的风险控制措施来降低保险公司的损失，保障保险公司的利益。 关键词：旅行社责任保险；风险分析；风险控制；层次分析法；安全检查表 Risk analysis and risk control of travel agent liability insurance Abstract The insurance industry started late in China, but the development of insurance of travel agent liability was limited. The rate of insuring travel agent liability insurance is low, but the payment rate is high. As the insurance company, it is necessary to do risk analysis and risk control effectively. In view of this situation, the risk of travel agent liability insurance is researched in risk analysis and risk control in this paper, and the Analytic Hierarchy Process is used to calculate the size of the influencing factors in the travel agent liability insurance. The size is used to determine the risk of various risk level. Safety checklist is used to determine a model of the risk level in the period of the point of insuring.The insurance company can reduce its loss by the risk control. The interest of insurance company can be ensured. Keywords: travel agent liability insurance; risk analysis; risk control; AHP; safety checklist 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc265410830 1 引言 PAGEREF _Toc265410830 \h 1 HYPERLINK \l _Toc265410831 1.1 研究背景及意义 PAGEREF _Toc265410831 \h 1 HYPERLINK \l _Toc265410832 1.2 研究方法 PAGEREF _Toc265410832 \h 1 HYPERLINK \l _Toc265410833 2 旅行社责任保险基本概况 PAGEREF _Toc265410833 \h 2 HYPERLINK \l _Toc265410834 2.1 旅行社责任保险的发展 PAGEREF _Toc265410834 \h 2 HYPERLINK \l _Toc265410835 2.2 旅行社责任保险简介 PAGEREF _Toc265410835 \h 2 HYPERLINK \l _Toc265410836 2.2.1 保障范围 PAGEREF _Toc265410836 \h 3 HYPERLINK \l _Toc265410837 2.2.2 保障额度及价格 PAGEREF _Toc265410837 \h 4 HYPERLINK \l _Toc265410838 3 旅行社责任保险的风险识别 PAGEREF _Toc265410838 \h 6