| Summary: | 碩士 === 國立政治大學 === 經營管理碩士學程(EMBA) === 96 === 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.
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