Research Of The Application Of Rate System About Employment Injury Insurance

Employment injury insurance bond is the physical base of the goal to implement the employment injury insurance. Rate system is the key problems of raise the employment injury insurance bond, and it's also the core of employment injury insurance management system. Our country's employment injury insurance socialization has begun since late 80's. Employment injury insurance rule in different part of our country is undergoing development and consummation, and related rules and standard is more and more consummate. All these guarantee the basic right of the injured employers and relatives of the sacrificial employers. But the problems occurred in the procedure of the reform, and seriously tackle the smooth development of the employment injury insurance. The main reasons of these problems lie in not make full use of the rate system in employment insurance in some districts. But how to fully cognition the function of rate system mechanism in employment injury insurance system, how to establish the scientifically and normal bond raising model and reasonable rate system matching our country state of the nation and the each locality of the actual circumstance has become the vital important problems.After comparing the current three employments injury insurance bond raising models, the thesis make a conclusion that assessment of constituent capitals system has the highest rate, but could raise the employment injury insurance reserve This could settle the realistic problem of hardly dealing with outburst injury, hardly preventing employment injury and hardly making occupation illnesses recovery feasible. Assessment of constituent capitals system is suitable for the injury insurance the socialization reform just the start's country just like our country.Secondly, the thesis bring ups to make use of mathematics clustering analysis method, combine with analysis the accident occur rate of each occupation (business enterprise), the death rate of employment injury, the severely wounded rate of employment injury, the slight wound rate of employment injury, the death rate of occupational disease, the occur rate of occupational disease and the circumstance of Employment injury overhead and so on, to classify the risk grades of occupation (enterprise).According to the clustering consequence, the grade differential rate of theeach occupation could being determined. Thirdly, through the research of the current floating method of contribution rate, the thesis brings ups the floating method to determine the enterprise rate integrated with enterprise's death rate, severely wounded rate, slight wound rate and so. The method could avoid the unilateralist of only using Dead and injured (accident) rate and expenditure rate as the cue to determine the floating rate. Could be on the larger degree to materialize the principle " fair" of the employment injury insurance. And urge the enterprise lower the above index to decease the employment injury rate. Thereby make the mechanism of rate system more efficient in preventing employment injury.Finally, aiming at the actual circumstance about ChongQing, and according to the varies employment injury related dates and index about 102 business enterprises of ChongQing from the year of 1998 to 2000, the thesis further study the actual application of above methods. And some useful conclusions have been made.