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大型文化体育活动的国际化、商业化、技术化、综合化和风险集中化特点,使其面临的风险越来越多。按风险发生原因分类有政治文化和宗教民俗风险、法律政策约束风险、商业运作风险、健康和安全风险、不可抗力风险;按风险损失对象分类有财产风险、人身风险、责任风险;按具体导致损失的风险有传染病风险、气候风险、政治风险、场馆不能使用、运输、食物中毒等。大型文化体育活动的风险管理策略主要有风险回避、风险转移、减轻风险、风险自留、风险应急措施和风险分担措施。保险作为风险管理的一种主要方式,在大型文化体育活动中扮演着重要的角色,应依据履行承诺、覆盖风险、经济合适、遵循国际惯例并充分考虑国情的原则制定大型文化体育活动保险计划;将组委会保险和合同商购买保险作为保险计划的主要内容;制定周密的保险索赔管理方案和详细的理赔工作程序。
The internationalization, commercialization, technology, integration and risk concentration of large-scale cultural and sports activities have brought more and more risks to them. According to the causes of the risks, there are political, cultural and religious folklore risks, legal and policy constraints risks, commercial operation risks, health and safety risks, and force majeure risks. Property risks, personal risks and liability risks are classified according to the targets of the risk losses. According to the specific causes of losses Risk of infectious disease risk, climate risk, political risk, venues can not be used, transport, food poisoning. Risk management strategies for large-scale cultural and sports activities include risk avoidance, risk transfer, risk mitigation, risk retention, risk emergency measures and risk-sharing measures. As a main mode of risk management, insurance plays an important role in large-scale cultural and sports activities. Insurance should be formulated according to the principle of fulfilling commitments, covering risks, being economically appropriate, following international conventions and fully considering national conditions. The insurance committee and the insurance companies to buy contractors as the main content of the insurance plan; well-developed insurance claims management programs and detailed claims procedures.