Based On Scenic Spot Safety Accident's Risk Transfer Of Insurance Mechanism Research

Scenic spot is the core and space of tourist activities, the most important part of the tourism system,and the most main factors to attract tourists. In recent years, many incidents have happened in the scenic spot,which not only affect tourists' life and property, but also seriously influence the development of scenic spot.Due to the sudden, changeable and uncertain factors,the probability of occurrence of scenic spot's risk will greatly increase.So insurance is an effective way to ensure scenic spot'safe product through reducing,dispersing risks,even avoiding the loss of incident.The author take travel insurances as the topic scenic spot as subjects,Base on'the results of i11terviews with experts,The author analyzes the types and characteristics of scenic spot'accident. From the angle of insurable risk,the author studies the scenic spots's risks transfer methods,and points out that travel insurance is the best way to the transfer of risk.,then studies travel insurance and proposes the travel insurance products and tries to build a travel insurance mechanism,which is suitable for China's national conditions.The paper analyzes the situation and existing problem of our country tourism insurance,and points out that thesis,(1)China travel insurance is still in the stage of initial development , the market hasn't reach edmaturity.(2)Travel insurance possess avast range of prospects,which is the important support to guarantee the travel industry's healthy development.(3)Travel insurance's rapid development needs the powerful support from all the parties of the society;(4)We must take other countries'successful experience of developing travel insurancefor reference;(5)The theory research of travel insurance needs to be strengthenedfurther.The development of the existing of travel risk demand objectively that the business of travel insurance should develop accordingly,then it can provide a powerful protecting umbrella for the sustainable development of travel industry.The research of travel insurance in this thesis is helpful for people tounderstand the knowledge of travel insurance more systematically and comprehensively,and has certain reference value to the journey and consumption behavior.The study about the development of travel insurance can provide reference for the making of strategic decision of travel insurance supervision department,relative enterprises(including travel agencies,insurance companies,etc.),in order to achieve the goal of applying the theory to practice.