企業處於現今的經濟環境，其所面臨之風險是多變的，若無防範於未然，倒閉危機將可能發生之結果。尤旅行業屬於高度競爭之產業，業者為求永續經營與維護消費者之權益，更應對可能衍生之風險，落實風險管理。
本研究以風險管理觀點出發，分析旅行業如何辨識並衡量其可能面臨之風險，選擇其風險控制之工具，後續進一步針對旅行業者倒閉風險之風險分散機制探討。旅行業除了投保商業履約保證保險外，另外研究自我保證之可行性。
本研究認為若旅行業採用自我保證方式來取代商業性履約保證保險，將可解決旅行業、銀行與保險公司三方爭議，並享有低費率之履約保證，且同時兼顧消費者之權益。實務上，若要將自我保證付諸實行，仍是有待主管機關、業者、學者研議解決有關法源依據、自我保證基金不足以因應賠款之情事及監督管理辦法等問題。 / Under the current economic environment, enterprises face capricious type of risks. In the absence of preventive measures, enterprises might face the risk of insolvency. This is especially true with the travel business because it is in a highly competitive industry. In order to achieve sustainable operation and protect consumers’ rights and interests, the travel business is advised to implement risk management concept for the risks it is likely to derive.
From the point of view of the risk management, the study analyzes the method to identify and measure the risks that the travel industry is likely to face, and it also helps to choose the risk control tools. Furthermore, the study discusses the risk diversification mechanism for insolvency. Besides purchasing the commercial performance bond, the study also analyses the possibility of self-insurance.
The study believes that by implementing self-insurance instead of the commercial performance bond, the travel industry will not only solve the tripartite dispute among the industry, banks and insurance companies would also benefit from the lower rates. At the same time, it also takes account of consumers’ interests.
In order to put self-insurance into practice, we still require the regulator, industry and academics to resolve the legal issues, insolvency problem of self-guarantee fund, management issues, and the supervision measures to such problems.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0095932247 |
| Creators | 陳淑娟, Chen,Shu Chuan |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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