A Study On Work-related Injury Insurance System In China

Our country has already marched into the intermediate stage of industrialization, field of production has become increasingly diverse, which increases the risk of worker’s occupational injuries, so work-related injury insurance arises at the historic moment as the wok-related injury risk sharing mechanism, dispersing risk of the employer, reducing the inductrial injury accidents, and safeguarding the inductrial injury rights of the worker’s. It has been more than 10 years since the "Injury Insurance Regulations" was implement in China’s in 2003, but the implementation effect is not ideal.This paper aims to study the work-related injury insurance system in China. First of all, elaborates the research background and significance, research status at home and abroad. Then introduces the related concepts of inductrial injury insurance, and introduces theories which provide theoretical support for this article including the hierarchy of needs theory, fair theory, adverse selection theory, public goods theory and the theory of the allocation of resources.Secondly, elaborating the running status and existing problems of the inductrial injury insurance system in China by analysising the data from Human resources and social security development statistical bulletin released by the national bureau of statistics, and pointing out that even though there is a large number of inductrial injury accidents, the overall rate of inductrial injury insurance is low, balance of payments structure of the inductrial injury insurance fund is not reasonable, little money is used for injury prevention and rehabilitation, and there is a surplus of fund. Safeguarding rights is difficult for injured workers. In addition, urban and rural differences ocuur during the running of inductrial injury insurance system between urban workers and rural migrant workers groups. These differences exist in the following aspect: the rate of the insurance, the inductrial injury accidents and injury rehabilitation treatment.Thirdly, searching for causes from four sides for problems above, including the industrial injury system, the workers, the unit and the government. Building a game model between the government and the unit which shows that the probability that the unit insure for its employee is connected with the probability of government auditing, the auditing cost, the fine rate for units that do not participate in the insurance, and the social benefits that joining inductrial injury insurance bings. In order to discuss the factors that influnce the migrant workers obtaining inductrial injury insurance, issuing questionnaires of inductrial injury coverage status quo of migrant workers, and by building the binary logistic regression model discusses the influential factors of the migrant workers obtaining inductrial injury insurance, it comes out that industry categories, safety education training, the potential safety hazard around the working environment, age, whether to ask the unit to insure inductial injury insurance will affect migrant workers obtaining inductrial injury insurance.Finally, to perfecting our country’s inductrial injury insurance system this paper proposes countermeasure and suggestions from the worker, unit, government and industrial injury insurance system itself four sides.