保障权益、转嫁风险、盘活资金——服务质量保证保险赋能山东文旅产业发展

Core Viewpoint - The implementation of tourism service quality guarantee insurance in Shandong province significantly reduces the financial burden on travel agencies while ensuring the protection of tourists' rights and promoting the high-quality development of the cultural tourism industry [1][2][5]. Group 1: Insurance Implementation and Benefits - Shandong Changcheng International Travel Agency has replaced the previous requirement of paying 1.4 million yuan in tourism service quality guarantee deposits with an annual insurance premium of only 14,000 yuan [1]. - A total of 1,735 travel agencies in Shandong have adopted this insurance model, which has collectively released cash flow of 321 million yuan [1][4]. - The insurance not only protects tourists' legal rights but also transfers operational risks from travel agencies, thereby enhancing liquidity and reducing the occupation of bank credit limits [1][4]. Group 2: Regulatory Framework and Pilot Program - According to China's Tourism Law and Travel Agency Regulations, travel agencies are required to pay a guarantee deposit ranging from 200,000 yuan to 1.4 million yuan, or provide a bank guarantee of equivalent value [2]. - The Shandong Provincial Department of Culture and Tourism initiated a pilot program to replace cash deposits with tourism service quality guarantee insurance to lower operational costs and improve cash flow for travel agencies [2][3]. Group 3: Market Participation and Future Outlook - The pilot program operates under the principles of "government-led, market participation, and voluntary for enterprises," allowing all registered travel agencies in Shandong to utilize insurance as a substitute for guarantee deposits [3]. - The insurance fee is only 1% of the previous guarantee deposit, significantly alleviating the financial pressure on travel agencies and providing credit enhancement services [4]. - With approximately 2,500 travel agencies in Shandong, the initiative is expected to achieve full coverage across the province, further empowering the cultural tourism industry [5].