Study On Fix Quantity Method Of Work Injury Insurance Floating Premium Rate

More and more work injury accidents which threaten worker's health and safety are happening during the process of social industrialization and modernization, social sustainable development and stabilization are affected .Establishing perfect policy of work injury insurance is increasingly concerned. Our country's current work injury insurance work does not suit the marketing economy development, it can tell from the three points , first, the coverage of work injury insurance is not extensively ;second, income and expenses of the fund is imbalance in some regions ; third, the function of work injury prevention doesn't effectively work .The reason is that work injury insurance management policy itself doesn't set up comparatively premium rate mechanism according to work injury risk.Floating premium rate mechanism which directly affected the enterprises'enthusiasm for taking part in the work injury insurance is an important mechanism related to the safety production of all the businesses. This article dug out the main problems of our country's recent work injury insurance mechanism and work injury floating index through collecting and analyzing a lot of work injury insurance floating premium rate mechanism materials around the world. Designed three new floating index of work injury floating premium rate: first ,work accident integrated index X ; second , work accident year-on–year index Y ; third , work injury insurance rate of handing in and payout Z. Designed and studied floating premium rate model of"key index X·YZ adjust coefficient",it's characteristics include: first, stepless, it can design lower limit and upper limit which is in favor of fund balance and encouraging enterprise to take part in work injury insurance; second , X index is the key index of floating premium rate , mainly evaluate the level of enterprise's work injury risk relative to the industry's ; Third , choosing average losing work day of every worker to evaluate all kinds of work injury accidents'risk . Four , integrate prevention,balance and justice . Five, unite scientific,reasonable and efficiency together .Collected work injury data of an industry of a region and applied the model to the industry , the result is proven to meet the requirements of work injury insurance floating premium rate mechanism which benefits accidents'prevention,fund balance and give attention to the principle of justice and more reasonable than the current floating premium rate mechanism .