工伤保险中行业风险分类指标研究

简要介绍部分国家工伤保险差别费率情况;通过对相关数据的分析,提出我国工伤保险差别费率分类应以行业工伤事故死亡风险、重伤和轻伤风险、职业病风险和基金支出情况为指标和依据,尤其不能忽视行业轻伤和职业病风险指标;计算了我国近几年各行业工伤事故的个人死亡风险。建议:增加行业风险类别和工伤保险费率差距范围;完善工伤事故、职业病和工伤保险统计指标体系;工伤保险基金应加大对预防、康复、科研、教育培训工作的投入。

Research on the Classification Indices of Occupational Injury Insurance Based on Industry Risks

In this paper, the different premium rate of occupational injury insurance in several foreign countries is briefly introduced. According to the analysis of the related data, it is concluded that the classification and the indexes of the different premium rate in china should be based on the occupational risk from death, severe injury, light injury and occupational diseases and the insurance expenditures level, especially, the light injury risk and the occupational disease risk in different industries. The fatality rate in different industries is analyzed and calculated. It is suggested that the categories of the industry risk should be broadened and the gaps among the premium rates for different industries should be enlarged. In addition, it is also necessary to perfect the statistic index system of occupational injuries, diseases and insurance and increase the investment on injury prevention, recovery, research, education and training.