我国旅游保险发展研究

文章研究旅游保险的发展与建设问题。随着经济的发展，我国近年来旅游产业得到了迅速的发展，但是旅游保险做为保障旅游风险的重要工具却没有得到相应发展。文章认为游客认识不足、保险人不重视旅游保险业务、旅游保险险种设计不合理与旅行社缺乏宣传是旅游保险发展不足的原因，因此提出了包括加强旅游保险产品的研究与开发、提升旅游保险服务质量、做好旅游保险宣传工作以及加强旅游保险的监管在内的四点未来发展建议。

Travel insurance development in our country

In this paper, we study the development and construction of travel insurance. With the development of economy, our tourism industry has been rapidly increased in recent years. But as a safeguard of tourism risk, travel insurance didn’t get the corresponding development. We suggest that the visitors understanding insufficiency, the underwriter does not attach importance to business travel insurance, travel insurance design is not reasonable and the lack of publicity by the travel agency are the reasons of the insufficient development of travel insurance. At end of this paper, we put forward four suggestions including strengthening the research and development of tourism insurance products; improving the quality of travel insurance service; extending travel insurance propaganda and strengthening the tourism insurance regulation.