Research On The Problem Of Fund Of Inductrial Injury Insurance Payment In Advance

In the initial stage of the creation of the industrial injury insurance system, its function is carried out accurately defined, namely medical care, financial compensation, vocational rehabilitation and injury prevention four modules. Early injury insurance system protects only employees working in more dangerous, the new industrial injury insurance system greatly increases the coverage to include other industry professionals, and will occupational diseases suffered due to work injury and accident etc. are covered. However, there are limitations due to various conditions, the effectiveness of work-related injury insurance system can not be fully complete play, especially in the control of accidents and reduce the incidence of ill effects on the frequency of occupational diseases, the incidence of all kinds of accidents is still there unabated. Coupled with the injury insurance system itself is imperfect and related procedures and links convergence is not smooth, a large part of the staff can not effectively protect injured their legitimate rights and interests can not be timely and adequate access to proper compensation. Thus, the right to health, personal life that can not be maintained, contrary to the spirit of the people.With the rapid progress of the current urbanization, economic development and industrial structure has a huge shift from extensive to intensive economic transformation, has been a comprehensive industrial structure adjustment and upgrading rapidly, along with this a development process, large-scale construction have emerged, which also greatly increases the probability of occurrence of various types of accidents, especially on a large number of migrant workers in cities, most of them are not experienced professional vocational skills training, due to limitations attainment, behavior and safety awareness, coupled with relatively poor working conditions, inadequate security measures, industrial accidents and occupational diseases frequent phenomenon is not uncommon, in the face of this series of grim situation, work injury insurance system began to face the urgent challenges. In the next stage, the optimization and improvement of industrial injury insurance system, real respect for life and the people’s right to health is even more urgent, the further implementation of the institutional arrangements to ensure that occupational accidents and diseases were able to timely treatment is currently facing injury insurance reform the important and difficult.In this backdrop, industrial injury insurance in advance Payment System is particularly important, on the one hand it can protect the vital interests of employees, on the other hand, it can protect the healthy development of the economy to some extent. But seen from the current practice, China’s industrial injury insurance paid in advance, there are many risks and problems, there are many urgent need to learn and modify. This article is based on an instance of a city together, through practical examples of refraction and fully investigate injury insurance fund in advance payment system problems and risks, and related theories and excellent experience of other regions is analyzed and put forward their own proposals.The main research contents and the main points of the paper are as follows:The first part is the introduction. It mainly introduces the purpose and significance of this topic, and the domestic and foreign fund of inductrial injury insurance paid in advance are reviewed and evaluated, and the main research objectives and methods, it concludes the innovation and the inadequacy of the research contentsThe second part are work-related injury insurance funds paid in advance of the related concepts and theoretical basis, mainly focus on paper’s related basic concept and theory frameworks, concludes the summary, constitutes the theoretical basis and the logical starting pointsThe third part is case study for the fund of inductrial injury insurance to pay in advance, it describes the author’s own participation to the the first case of injury to pay in advance in treatment in Zhejiang Province, which deeply analyzes the paid in advance of the relevant declaration process, payment scope, financial, insurance, information process and the methods, recovery ways, the risks and problems, even many policy blind areasThe fourth part shows the fund of inductrial injury insurance for advance payment system of international comparative analysis. In this chapter, it mainly uses the comparative research methods, selected the old industrial countries such as Germany, Britain, and TaiWan(which was deeply influenced by the welfare system of southeast Asia), to analyze the advantage of the advanced countries’s industrial injury insurance system, in order to find out some good parts for the advance payment of work-related injury insurance.The fifth part is the suggestion to improve the fund of inductrial injury insurance system of advance payment, this paper shows the case study of Wenzhou industrial injury insurance fund advance payment, finds out the process is too long, the business scale is not correct enough, recovery is relatively weak, but risk is higher. This paper analyzes each question and makes the corresponding suggestions.