| The travel insurance of China have started since the1980s, while lagged behind therapid development of the tourism industry. Travel insurance system play an importantrole in promoting travel insurance development, handling tourism disputes, regulatingmarkets of tourism.This study combs the development process of travel insurance system from theperspective of institutional change. Using the literature survey and case analysis,deeply analysis the develop background, construction, implementation process andeffectiveness, induction of travel insurance of logical characteristics in each stage ofthe development of tourism insurance system, explore the impact of institutionalequilibrium factor by constructing a function of supply and demand, analysis ofnon-equilibrium state of the system performance, then proposed optimizationstrategies travel insurance from perspectives of static equilibrium and dynamicequilibrium. In addition, combining experience of regional travel insurancedevelopment as a case of Hainan Province, Hainan Travel Insurance institutionalchange is unique, it reveals the relationship between the travel insurance policy withregional travel insurance industry, seeks the mechanism of travel insurance change, andthen explores the system suitable for the development of Hainan travel Insuranceoptimization strategy.By combing the process of institutional change of travel insurance, studying onequilibrium of supply and demand, the paper you can get those conclusions:1. Based on the institutions promulgated by the executive branch which impacted onthe travel insurance market clearly as a cut-off point, the development process ofChina’s travel insurance can be divided into three stages: the system in its infancy, thesystem generates formally stage, the system develops and improves stage. There’resome features in China’s tourism Insurance system change: mandatory government-ledinstitutional change, grassroots spontaneous and induced institutional change andstrengthen the progressive stages of institutional change.2. By analyzing different stages of travel insurance supply and demand, in the early stage the performance of lack of institution supply includes: the coverage was toonarrow, the regulatory system was flawed and inadequate punishment, etc.; In thesystem generates formally stage, system supply shortage includes: the legitimateinterests of tourists security, operational risks cannot be transferred agencies,government departments and other aspects of the regulatory functions cannot beimplemented; In the system develops and improves stage, the performance of lack ofinstitution supply includes: the scope of the specification need to be expand, riskmanagement and corporate databases require utilization of enthusiasm requiredmobilization.3. Analysis of China travel Insurance institutional change by SWOT, proposedoptimization strategies travel insurance from perspectives of static equilibrium anddynamic equilibrium. System in which the dynamic equilibrium Perspectiveoptimization strategies include refining the system specification, deepeningcooperation and improving system security system; system of static equilibriumPerspective optimization strategies include improving market supervision system,improving market efficiency and optimizing the market environment for development. |
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