Work injury insurance system is an important part of the social security system, and is the most extensive social insurance implemented the earliest in the world. It has played a positive role in protecting labor rights and interests, promoting enterprise safe production, and maintaining social stability. At present, confronted with severe challenges of work injury accidents accompanied by marketization, industrialization and urbanization, our country must set out to review the legislative shortcomings in work injury insurance system, upgrade the law that governs work injury insurance, improve insurance claims for work injury, computerize the legal system of work injury insurance, enhance work injury rehabilitation facilities, coordinate the development of work insurance with that of commercial insurance, all of which are significant policies of work insurance system, and important contents of socialism and social stability in China.
To that end, this paper has come to a conclusion - on the basis of theories relevant to work injury insurance system, accomplishment of work injury insurance system reform, and research on the development and performance of foreign work injury insurance systems - that the current work injury insurance system is legislatively insufficient, with only a small number of people being insured. And the pay mechanism is also incomplete, along with a lot of arguments when a claim is being filed, as well as problems with unreasonable insurance premium and inactivity in work injury rehabilitation programs. This paper has probed deep into work injury insurance systems, and presented remedies to improve work injury insurance system in our country.
Work injury insurance system, the social security system is an important part of the world's first implementation of the most extensive social insurance. The protection of their rights and interests of workers and promote safe production enterprises and maintaining social stability plays a positive role. At present, in the face of China's market, industrialization and urbanization brought about by the severe situation of accidents, work injury insurance system to review the shortcomings of the legislation to raise the legal level of industrial injury insurance, improve the treatment of industrial injury insurance system to establish a scientific system of industrial injury insurance law, And to strengthen the function of the realization of Industrial Accident Victims, industrial injury insurance and coordinate the development of commercial insurance, and so on, would be to improve China's industrial injury insurance system, an important strategy for China is to build a harmonious socialist society an important part.
To that end, this paper-related injury insurance system in theory, work injury insurance system reform achievements as well as foreign industrial injury insurance system in practice the development of research, summed up the current system of industrial injury insurance legislation low-level, the actual coverage of the narrow, imperfect mechanism for the treatment, injury at work That dispute, unreasonable rate mechanism and the injury has not recovered completely off and so on, and improve the industrial injury insurance system for in-depth study and make China's industrial injury insurance system, improve the appropriate measure.
The workers' compensation insurance system is social security systems' important component, is in the world implements most early, the most widespread social security. Its is safeguarding the worker rights and interests, the promotion enterprise safety in production, maintains aspects and so on social stability to play the positive role. At present, industrial accident's austere situation which facing our country marketability, the industrialization and the urbanization brings, the self-criticism workers' compensation insurance system's legislative flaw, enhances the workers' compensation insurance law rank, the perfect workers' compensation insurance treatment system, establishes the science the workers' compensation insurance legal framework, strengthens and realizes the injury on job recovery function, the coordinated workers' compensation insurance and business insurance's development and so on, consummates our country workers' compensation insurance system's important strategy, is also our country establishes the socialism harmonious society the important content. for this reason, this article through to the workers' compensation insurance system correlation theories, the workers' compensation insurance system's reform achievement as well as the overseas workers' compensation insurance system practice development's research, summarized the present workers' compensation insurance system existence legislation level to be low, the actual coverage area was narrow, the treatment mechanism imperfect, the injury on job recognized that disputed many, the tariff mechanism was unreasonable and the injury on job recovery has not started completely and so on questions, and to consummated the workers' compensation insurance system to carry on the deep level discussion, proposed that consummated our country workers' compensation insurance system's corresponding countermeasure.
As an important part of social security system,the system of industrial injury insurance is one of the social insurance which have been implemented firstly and most extensively. It plays a positive role in protecting workers' rights and benefits,production safety, and social stability.
Currently,in the serious situation of increasing industrial injury caused by marketization、industrialization and urbanization of China,reviewing the defect of legislation of the system of industrial injury insurance, improving the level of industrial injury insurance related law,optimizing the treatment system of industrial injury insurance, constructing scientific system of industrial injury insurance related law, enhancing and implemeting the function of industrial injury recovery,coordinating the development of industrial injury insurance and common commercial insurance.etc, would be not only the important strategies of optimization of China industrial injury insurance system,but also the significant content of constructing socialistic harmonious society of China.
Thus,based on the research of related theories of industrial injury insurance、the reform achievement of industrial injury insurance and the experience of the practice of international industrial injury insurance system, this article concludes several problems exsisting in current industrial injury insurance system as: low level of legislation、limited coverange of implemetation、defective treatment mechanism、numerous disputes of industrial injury identification、the unreasonable insurance rate and less of industrial injury recovery mechanism.The author also issued a profound discussion about the optimization of China industrial insurance system, and raised the corresponding solutions for it.
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