A Research On Risk Dispersion Mechanism Of Student Accidents

In recent years, students injury accidents occur frequently, resulting legal disputes often seen in major news media, which aroused widespread concern in the community.China has entered a period of more student accidents, injuries become a threat to the safety of students. A wide variety of student injuries increasing cases of accidents, but also makes more and more schools to be a defendant, which not only affects the normal development of the school and teaching order, but also to students, families, community band to the unrest. Therefore, the strengthening of relevant research student injury accidents and develop a reasonable countermeasures has become a problem we have to face, while the Ministry of Education issued after the "Student Injury Treatment" development of relevant laws and regulations, policies and practices with the rest, how to build our students’ social insurance mechanisms injury accident has become an issue to be solved in theory and practice.In this study, risk management and social security point of view, by way of case interviews and literature analysis on the existing student accident risk diversification mechanism is analyzed and evaluated and the mechanism of the system level and the operational level of optimization, the proposed establishment of student accident insurance system, take a more welfare, public welfare, the new risk diversification mechanism is more popular to be more comprehensive, properly dispersed student accident risk. The first part of this article describes the student accident background and significance of risk diversification mechanism, domestic and international literature review, research paper ideas, methods and innovation.This part also introduced the related to student injury risk disperse mechanism of the core concepts and theoretical basis. The second part of the current student accident risk disperse mechanism made elaborate institutional changes, mainly take the commercial insurance pattern to spread risk, including the school liability insurance and learn flat risks; At the same time the paper evaluate the running situation of the mechanism from insurance and claims perspective.By analyzing relevant data of case interviews, found that the current mechanism system and operating problems, including imperfect laws and regulations is not clear due to the insured subject and in the process of the implementation and responsibility identification of disputes, etc. In this paper, the third part is the students injury risk disperse mechanism for the overall optimization, suggesting that take government subsidies welfare model, the school liability insurance should be brought into the social insurance. The fourth part on the basis of the above conclusion, draw lessons from foreign experience, put forward to establish countermeasures and Suggestions of students accident injury insurance system, including the principle and idea mechanism.