A Study On Tourism Insurance In China Based On Economic View

With the rapid development of China's tourism industry, the tourism risk safeguard has become an important question in the modern tourism development. Many experts have conduct the research on the factors to restricted our country tourism insurance development from the perspective of the operation of the market, and proposed many countermeasures. The countermeasure research to develop China's tourism insurance is being developed to be an in-depth study of the area. This article analyzes the question existence in our country tourism insurance market points out the trend of development of our country tourism insurance market, proposes solutions to this problem, from the perspective of the tourism insurance market's balance and the impact on tourism insurance market of asymmetric information.The paper focuses on analyzing the tourism insurance market of fully competitive under the balance of supply and demand, and demonstrates that the higher the income level will have higher tourism insurance services expenditures in the perfectly competitive market conditions, thereby demonstrating that China's tourism insurance will gradually increase the size of the market with the development of China's economy and the increase in people's incomes. Tourism insurance services products prices negatively correlated with the demand. Insurance company's reasonable premium rate should be the tourism dangerous incidence rate adds on the cost scale of charges. Insured amount equivalent to the best of their tourism was equal to its reason tourism danger caused by the loss of all. Tourist's income level and the tourism insurance tendency have a positive relation. It analyzes the insurer's balance premium rate between the tourist and insurer, and the insured person's expenditure of the best tourism insurance services.The paper analyzes the asymmetrical information's influence to the tourism insurance market. It can be proposed theoretical basis for government regulation. Pointed out that the network tourism insurance is a way to increases the information symmetrically and that the trade online-network tourism insurance can effectively solve the problem of information asymmetry.The paper analyzes the present situation of our country tourism insurance market, and points out that the scale of tourism insurance market is small in our country and lags behind the development of tourism. The paper points out that the scale of our country tourism insurance market will expand greatly and the competition will be more intense. The paper proposes the development countermeasure from aspects of expanding the demand for tourism insurance and improving the supply of tourism insurance and strengthening government's supervision and so on.