毕业论文-北京市旅游保险市场发展研究.doc

北京联合大学 毕业论文 PAGE 25 - 摘 要 随着经济的发展和生活品质的提高，旅游已逐渐成为广大民众的一种时尚消费。但由于旅游活动具有流动性强、分散性大和异地性等特点,人们在旅游活动中面临的风险概率颇高,人身伤亡、财产损失、突发疾病等事件层出不穷,如何规避转嫁出行活动中的风险,已成为人们热切关注的问题。因此,必须通过一种有效的途径来分散转嫁旅游过程中发生的种种风险,发展旅游保险业正是解决这一问题的办法。 本文主要是通过阅读大量相关文章及统计数据，获取关于北京市旅游保险市场发展的资料，利用掌握的资料分析北京市旅游保险市场的现状，同时设计相关调查问卷提出并分析其存在的问题，以及借鉴英国旅游保险的经验，提出相应的政策建议为各市场主体建言献策，以期促进北京市旅游保险市场的健康发展。 关键词：北京市 旅游保险 问题 对策 Abstract As the economy development and improvement of life quality, tourism is becoming a major part of consumption. However, determined by strong liquidity and dispersion, tourists are facing high risk of casualty, loss and disease when traveling. How to transfer this risk is quite important to both tourists and development of tourism. Tourism insurance is excellent way of solving this problem. Author of this article reads a mount of relative papers, as well as gets much statistical data. These materials provide a rough picture of the development of tourism of Beijing. In addition to this, author designs a questionnaire to collect information from tourists. Focus of the study is to find out problems and analyses why. According to analysis in the article, some policy recommendations are proposed to government, insurance companies and tourism. Key Words: Beijing Travel insurance Problems Policy recommendations 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc261335649 摘 要 PAGEREF _Toc261335649 \h I HYPERLINK \l _Toc261335650 Abstract PAGEREF _Toc261335650 \h II HYPERLINK \l _Toc261335652 引 言 PAGEREF _Toc261335652 \h 1 HYPERLINK \l _Toc261335653 1旅游保险的理论基础 PAGEREF _Toc261335653 \h 2 HYPERLINK \l _Toc261335654 1.1旅游保险概念的界定 PAGEREF _Toc261335654 \h 2 HYPERLINK \l _Toc261335655 1.2旅游保险的功能 PAGEREF _Toc261335655 \h 2 HYPERLINK \l _Toc261335656 2北京市旅游保险市场的发展现状 PAGEREF _Toc261335656 \h 3 HYPERLINK \l _Toc261335657 2.1旅游保险的业务规模 PAGEREF _Toc261335657 \h 3 HYPERLINK \l _Toc261335658 2.2旅游保险的产品现状 PAGEREF _Toc261335658 \h 3 HYPERLINK \l _Toc261335659 2.2.