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旅行社责任风险分析与保险院系安全工程学院专业保险班级84050401学号2008040504013姓名张静指导教师车辉负责教师沈阳航空航天大学2012年6月沈阳航空航天大学毕业设计（论文）I摘要随着我国城市化进程加速，人民生活水平不断提高，旅游业的发展也日益强盛。各类旅游事故也随之产生，其中因旅游行程安排不当，旅行社疏忽、过失导致的游客受到人身伤亡和财产损失的问题非常突出。本篇论文以旅行社这一行业为标的，通过对其存在的责任风险因素进行定量分析，计算得出导致旅行社发生责任风险事故的风险因素的权重，然后根据权重大小对风险因素导致事故发生严重性进行逐一排列，确定旅行社及保险公司重点检查、防范的项目。通过编制安全检查表，由检查人员对安全检查表中各检查项目进行检查，并进行打分，制定一个能够在旅行社这一行业通用的评价模型，为承保工作提供科学依据。通过费率浮动、责任限额的选择、基本险和附加险的综合运用，为旅行社提供一个保障充裕的保险方案。关键词：旅行社责任保险；风险分析；风险控制；层次分析法；安全检查表沈阳航空航天大学毕业设计（论文）IIAbstractNowadays,thedevelopmentoftourismincreaseswiththeaccelerationofChina'surbanizationandtheimprovementofpeople'slivingstandards.Withthat,allkindsoftravelaccidentgenerates,andtheproblemofimpropertravelarrangementandnegligenceofthetravelagentwhichleadtothelostofthepropertyandtheinjuriesanddeathsofthetouristsisextrude.Inthispaper,wedefinetheindustryofthetravelagentasthesubjectmatterinsured.Accordingtothehazardanalysistotheexistinghazardfactors,theweightofthehazardwhichleadtotheliabilityaccidentofthetravelagentcanbecalculated.Thenwedeterminethekeychecksandpreventionitemsforthetravelagentandinsurancecompanydependingonarrangementofthevalueoftheweight.Throughtheestablishmentofthesafetychecklist,wecanmakeageneralevaluationmodelfortheindustryofthetravelagenttoprovidethescientificbasisfortheacceptinsurance.Finallywecanprovideasecurityenoughinsuranceschemethroughfloatingoftherate,selectionoftheliabilitylimitanddesignoftheinsurancemodewiththebasicinsuranceandthecorrespondingadditionalassurance.Keyword:travelserviceliabilityinsurance;hazardanalysis;hazardcontrol;AHP;safetychecklist沈阳航空航天大学毕业设计（论文）III目录1引言...................................................................................................................................11.1研究背景.................................................................................................................11.2研究内容及方法.....................................................................................................22旅行社责任保险基本概况...............................................................................................32.1旅行社责任保险的发展.........................................................................................32.2统保示范项目简介.................................................................................................32.2.1保障范围.......................................................................................................32.2.2保障额度及价格...........................................................................................53旅行社责任的风险特点...................................................................................................73.1旅行社责任风险概况.............................................................................................73.1.1旅行社...........................................................................................................73.1.2旅游风险的定义...........................................................................................73.1.3旅行社责任风险的定义...............................................................................73.1.4旅行安排风险分析.......................................................................................73.1.5旅行社基本情况风险分析.........................................................................144旅行社责任风险评价.....................................................................................................164.1数学方法简介.......................................................................................................164.1.1层次分析法简介.........................................................................................164.1.2安全检查表简介.........................................................................................174.2运用层次分析法进行风险评价...........................................................................174.3制定风险因素安全检查表...................................................................................224.4一次事故最大可能损失.......................................................................................285实际应用.........................................................................................................................295.1辽宁世纪国际旅行社介绍...................................................................................295.2投保方案设计.......................................................................................................305.2.1运用安全检查表.........................................................................................30沈阳航空航天大学毕业设计（论文）IV5.2.2责任限额选择.............................................................................................315.2.3费率浮动调整.............................................................................................315.2.4附加险选择.................................................................................................315.2.5保费计算.....................................................................................................316结论.................................................................................................................................33参考文献................................