基于经济学视角的我国旅游保险研究
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摘要
随着我国旅游业的快速发展,旅游风险保障已成为现代旅游业发展中不可回避的重要问题。许多专家从市场运行的角度对制约我国旅游保险发展的因素进行了研究,并提出了不少对策。对发展我国旅游保险的对策研究,是正在发展且亟待深入研究的一个领域。本文从旅游保险市场的均衡和不对称信息对旅游保险市场的影响的角度,分析我国旅游保险市场存在的问题,指出我国旅游保险市场的发展趋势,提出解决问题的对策。
论文重点分析了完全竞争市场条件下旅游保险市场的供求平衡。论证了在完全竞争的市场条件下,收入水平越高的人将拥有更高的旅游保险服务支出,从而论证了随着我国经济的发展,人们收入的增多,我国旅游保险的市场规模将逐渐增大的趋势。旅游保险服务产品需求与其价格负相关。保险公司的合理的保险费率应该是旅游危险发生率加上成本费用率。最佳的投保金额等于其因旅游危险所导致的全部损失。旅游者的收入水平与旅游保险的投保倾向具有正向关系。分析了共付制条件下承保人均衡的保险费率的确定以及被保险人最优的旅游保险服务消费支出水平。
论文还重点分析了不对称信息对旅游保险市场均衡的影响,为政府监管提出理论依据。论文指出网络旅游保险是增加信息对称的途径,网络旅游保险导购技术可以有效解决信息不对称问题。
论文分析了我国旅游保险行业的现状,认为我国旅游保险行业规模小,滞后于旅游业的发展,但具有规模扩张巨大、竞争激烈的发展趋势,并从扩大旅游保险需求和完善旅游保险供给、加强政府监管等方面提出了我国旅游保险的发展对策。
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.
论文重点分析了完全竞争市场条件下旅游保险市场的供求平衡。论证了在完全竞争的市场条件下,收入水平越高的人将拥有更高的旅游保险服务支出,从而论证了随着我国经济的发展,人们收入的增多,我国旅游保险的市场规模将逐渐增大的趋势。旅游保险服务产品需求与其价格负相关。保险公司的合理的保险费率应该是旅游危险发生率加上成本费用率。最佳的投保金额等于其因旅游危险所导致的全部损失。旅游者的收入水平与旅游保险的投保倾向具有正向关系。分析了共付制条件下承保人均衡的保险费率的确定以及被保险人最优的旅游保险服务消费支出水平。
论文还重点分析了不对称信息对旅游保险市场均衡的影响,为政府监管提出理论依据。论文指出网络旅游保险是增加信息对称的途径,网络旅游保险导购技术可以有效解决信息不对称问题。
论文分析了我国旅游保险行业的现状,认为我国旅游保险行业规模小,滞后于旅游业的发展,但具有规模扩张巨大、竞争激烈的发展趋势,并从扩大旅游保险需求和完善旅游保险供给、加强政府监管等方面提出了我国旅游保险的发展对策。
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.
引文
[1]国家统计局.中国统计年鉴(2006)[M].北京:中国统计出版社,2006.
[2]马辰明.启动我国旅游市场:政府企业缺一不可[N].金融时报,2006-8-1.
[3]Georges Dionne,Scotte.Harrington,foundations of Insurance[M].boston:Kulwer Academic Publishers,2000.
[4]Mossin,Jan.Aspects of Rational Insurance.Purchasing[J].Journal of Political Economy,1968,553-568.
[5]Michael Rothschild,joseph stigliz.Equilibrium in competitive insurance market:an essay on the economics of imperfect information,1970.
[6]Debreu,G..Theory of Value[M].New-York;Wiley,1959.
[7]Borch,Karl.Equilibrium in a Reinsurance Market[J].Econometrica,1962,30,424-444.
[8]Georges Dionne.Handbook of Insurance[M].boston:Kulwer Academic Publishers,2000.
[9]刘春济,高静.我国旅游保险业发展探析[J].旅游学刊,2006(1):81-85.
[10]樊志勇.我国旅游保险业务发展现状研究[J].商业研究,2004(3):148-151.
[11]崔连伟.对发展我国旅游保险业的思考[J].旅游学刊,2003(1):31-34.
[12]李彦芝.旅游热后旅游保险的思考[J].上海保险,2004(10):37-38.
[13]李红雨.对发展我国旅游保险业的思考[J].经济师,2006(6):52.
[14]李文中.旅游险市场现状分析和对策[J].上海保险,2003(1):14-16.
[15]张铁梅,冯万容.积极发展中国旅游保险[J].太原大学学报,2004(12):22-26.
[16]祁正涛,唐玮.论发展旅游保险业[J].保险研究论坛,2002(1):27-28.
[17]谢鹭.试论旅游保险的现状与创新[J].上海保险,2006(11):24-27.
[18]钱亚妍.中国旅游保险业务的现状和对策研究[J].天津商学院学报,2005(4):15-18.
[19]熊鹰.开采旅游保险富矿[J].中国保险,2004(4):38-40.
[20]张昌松,王石.制约我国旅游保险业发展的因素及其对策[J],现代财经,2005(7):26-29.
[21]张洪涛.保险经济学[M].北京:中国人民大学出版社,2006.42-45.
[22]人大常委会.中华人民共和国保险法[Z].1995.
[23]国家旅游局.旅行社投保旅行社责任险规定[Z].2001.
[24]国家旅游局.旅行社办理旅游意外保险暂行规定[Z].1997
[25]刘京生.保险理论实务研究[M].北京:中国社会科学出版社,2003.72-84.
[26]王俊琴.我国旅游保险业发展现状研究[J].计划与市场,2001(1):41-42.
[27]钱亚妍.中国旅游保险业务的现状及对策研究[J].天津商学院学报,2005(7):15-18.
[28]国家统计局.中国统计年鉴(2001)[M].北京:中国统计出版社,2001.
[29]国家统计局.中国统计年鉴(2003)[M].北京:中国统计出版社,2003.
[30]周大庆.我国旅游保险业发展现状的研究探索[J].保险职业学院学报,2005(3):41-43.
[31]许洁,马春玲.从“五七”空难反思我国的旅游保险业[J].桂林旅游高等专科学校学报,2002(12):52-55.
[32]李文中.发展旅游保险是我国保险业务的新增长点[J].保险研究论坛,2003(4):17-19.
[33]陈素平.中国旅游保险发展探析[J].统计与决策,2006(5):43-44.
[34]池小萍.我国旅游保险应该在创新中求发展[J].上海保险,2003(7):14-16.
[35]葛军莲.关于我国旅游保险供需均衡的经济学探讨[J].桂林旅游高等专科学校学报,2006(2):77-80.
[2]马辰明.启动我国旅游市场:政府企业缺一不可[N].金融时报,2006-8-1.
[3]Georges Dionne,Scotte.Harrington,foundations of Insurance[M].boston:Kulwer Academic Publishers,2000.
[4]Mossin,Jan.Aspects of Rational Insurance.Purchasing[J].Journal of Political Economy,1968,553-568.
[5]Michael Rothschild,joseph stigliz.Equilibrium in competitive insurance market:an essay on the economics of imperfect information,1970.
[6]Debreu,G..Theory of Value[M].New-York;Wiley,1959.
[7]Borch,Karl.Equilibrium in a Reinsurance Market[J].Econometrica,1962,30,424-444.
[8]Georges Dionne.Handbook of Insurance[M].boston:Kulwer Academic Publishers,2000.
[9]刘春济,高静.我国旅游保险业发展探析[J].旅游学刊,2006(1):81-85.
[10]樊志勇.我国旅游保险业务发展现状研究[J].商业研究,2004(3):148-151.
[11]崔连伟.对发展我国旅游保险业的思考[J].旅游学刊,2003(1):31-34.
[12]李彦芝.旅游热后旅游保险的思考[J].上海保险,2004(10):37-38.
[13]李红雨.对发展我国旅游保险业的思考[J].经济师,2006(6):52.
[14]李文中.旅游险市场现状分析和对策[J].上海保险,2003(1):14-16.
[15]张铁梅,冯万容.积极发展中国旅游保险[J].太原大学学报,2004(12):22-26.
[16]祁正涛,唐玮.论发展旅游保险业[J].保险研究论坛,2002(1):27-28.
[17]谢鹭.试论旅游保险的现状与创新[J].上海保险,2006(11):24-27.
[18]钱亚妍.中国旅游保险业务的现状和对策研究[J].天津商学院学报,2005(4):15-18.
[19]熊鹰.开采旅游保险富矿[J].中国保险,2004(4):38-40.
[20]张昌松,王石.制约我国旅游保险业发展的因素及其对策[J],现代财经,2005(7):26-29.
[21]张洪涛.保险经济学[M].北京:中国人民大学出版社,2006.42-45.
[22]人大常委会.中华人民共和国保险法[Z].1995.
[23]国家旅游局.旅行社投保旅行社责任险规定[Z].2001.
[24]国家旅游局.旅行社办理旅游意外保险暂行规定[Z].1997
[25]刘京生.保险理论实务研究[M].北京:中国社会科学出版社,2003.72-84.
[26]王俊琴.我国旅游保险业发展现状研究[J].计划与市场,2001(1):41-42.
[27]钱亚妍.中国旅游保险业务的现状及对策研究[J].天津商学院学报,2005(7):15-18.
[28]国家统计局.中国统计年鉴(2001)[M].北京:中国统计出版社,2001.
[29]国家统计局.中国统计年鉴(2003)[M].北京:中国统计出版社,2003.
[30]周大庆.我国旅游保险业发展现状的研究探索[J].保险职业学院学报,2005(3):41-43.
[31]许洁,马春玲.从“五七”空难反思我国的旅游保险业[J].桂林旅游高等专科学校学报,2002(12):52-55.
[32]李文中.发展旅游保险是我国保险业务的新增长点[J].保险研究论坛,2003(4):17-19.
[33]陈素平.中国旅游保险发展探析[J].统计与决策,2006(5):43-44.
[34]池小萍.我国旅游保险应该在创新中求发展[J].上海保险,2003(7):14-16.
[35]葛军莲.关于我国旅游保险供需均衡的经济学探讨[J].桂林旅游高等专科学校学报,2006(2):77-80.