我國工傷保險(xiǎn)體制現(xiàn)有問題分析及對(duì)策

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摘 要
工傷保險(xiǎn)制度屬于一種社會(huì)性的保障制度，與每個(gè)勞動(dòng)者息息相關(guān)。我國自《工傷保險(xiǎn)條例》實(shí)施后，對(duì)于工傷勞動(dòng)者的救濟(jì)、康復(fù)以及分散用人單位的工傷風(fēng)險(xiǎn)起到很大的效用。但受其本身的摸索試探階段的保守立法傾向以及經(jīng)濟(jì)社會(huì)的深化發(fā)展，其弊端越來越明顯，在實(shí)踐執(zhí)行過程中也存在許多問題。本文對(duì)我國工傷保險(xiǎn)制度進(jìn)行分析，以新修訂的《工行保險(xiǎn)條例》和《社會(huì)保險(xiǎn)法》為依據(jù)，參照社會(huì)工傷問題，分析我國工傷保險(xiǎn)制度的不足之處，并且提出完善工傷保險(xiǎn)對(duì)策建議。
全文分五個(gè)部分：
第一部分，緒論。該部分簡要介紹了我國工傷保險(xiǎn)制度背景，研究意義，本文主要內(nèi)容和研究方法。
第二部分，工傷保險(xiǎn)概述。該部分介紹了工傷保險(xiǎn)相關(guān)定義，同時(shí)，介紹了國際工傷保險(xiǎn)現(xiàn)狀以及我國香港、臺(tái)灣地區(qū)工傷保險(xiǎn)發(fā)展?fàn)顩r。
第三部分，我國工傷保險(xiǎn)制度存在的問題。文章分別對(duì)我國現(xiàn)行工傷保險(xiǎn)制度中立法層次低、工傷認(rèn)定爭議多、覆蓋率低、工傷保險(xiǎn)與民事侵權(quán)關(guān)系及工傷預(yù)防、康復(fù)問題進(jìn)行深入分析。
第四部分，完善工傷保險(xiǎn)相關(guān)建議。該部分對(duì)第三部分的問題，提出完善我國工傷保險(xiǎn)制度建議。
第五部分，總結(jié)。對(duì)我國工傷保險(xiǎn)制度發(fā)展現(xiàn)狀和完善進(jìn)行總結(jié)。

關(guān)鍵字：工傷；工傷保險(xiǎn)；工傷認(rèn)定；問題；對(duì)策建議

ABSTRACT

Employment injury insurance system belongs to a social security system, it’s closely related to each labor. Since the implementation of "Work Injury Insurance Regulations" in our country, it has played a significant role in injured workers relief and rehabilitation and injury risk diversification employer. But influenced by its own model and deep development of economy and society, its shortcomings are becoming more and more obvious. There are many problems in the course of practice. This paper, is aimed at analysis of China's employment injury insurance system, bases on the newly revised "Work Injury Insurance Regulations" and "Social Insurance Law" and with reference to social work injury problems, and puts forward the countermeasures and suggestions to improve the employment injury insurance.
This paper is divided into five parts:
Part One: Introduction. This part briefly introduces the background of employment injury insurance system in China, the research significance, main content and research method in this paper.
Part Two: Overview of employment injury insurance. This part introduces the definition, related injury insurance and employment injury insurance, introduces the current situation of international and China's Hong Kong, Taiwan area of employment injury insurance development.
Part Three: the existing problems of work injury law system in our country. This part mainly analyses the existing problems of our present employment injury insurance system, like as legislative level is low, and more controversy related injuries, low coverage, injury insurance and tort relations and injury prevention, rehabilitation issues, interprets the deep reasons.
Part Four: The suggestions of improving our employment injury insurance law system. Based on the existing problems of our present work injury insurance system, it puts forward sound advice.
Part five：Summary. The development status of China's employment injury insurance system and perfect summary.

Key Words: employment injury; employment injury insurance; work-related injury certification; problem; countermeasures and proposals


目 錄
第一章 緒論 1
1.1 研究背景 1
1.2 研究意義 1
1.3 國內(nèi)外研究現(xiàn)狀 1
1.4 研究內(nèi)容和方法 2
第二章 工傷保險(xiǎn)概述 3
2.1 工傷概述 3
2.1.1 工傷的定義 3
2.1.2 工傷的范圍 3
2.2 工傷保險(xiǎn)概述 3
2.2.1 工傷保險(xiǎn) 3
2.3 國內(nèi)外工傷保險(xiǎn)制度發(fā)展?fàn)顩r 4
2.2.2 工傷保險(xiǎn)適用范圍 4
2.3.1 國外工傷保險(xiǎn)制度發(fā)展?fàn)顩r 4
2.3.2 我國工傷保險(xiǎn)制度發(fā)展?fàn)顩r 6
第三章 我國工傷保險(xiǎn)制度存在問題分析 9
3.1 我國工傷保險(xiǎn)立法層次低 9
3.2 工傷認(rèn)定爭議較多 9
3.3 工傷保險(xiǎn)覆蓋率低 13
3.4 工傷保險(xiǎn)和民事侵權(quán)賠償關(guān)系 13
3.5 工傷預(yù)防、康復(fù)功能未發(fā)揮 15
3.5.1 工傷保險(xiǎn)預(yù)防功能未發(fā)揮 15
3.5.2 工傷康復(fù)功能未發(fā)揮 16
第四章 完善工傷保險(xiǎn)制度相關(guān)對(duì)策 18
4.1 立法層面的完善 18
4.1.1 提高立法層次 18
4.1.2 擴(kuò)大工傷保險(xiǎn)覆蓋面 18
4.1.3 完善條例中不合理處 19
4.1.4 特殊工傷認(rèn)定擴(kuò)展 20
4.2 明確工傷保險(xiǎn)和民事侵權(quán)關(guān)系 20
4.3 完善工傷預(yù)防、工傷康復(fù)機(jī)制 21
4.3.1 完善工傷預(yù)防機(jī)制 21
4.3.2 完善工傷康復(fù)機(jī)制 21
4.4 擴(kuò)大宣傳，加強(qiáng)監(jiān)督管理 22
第五章 總 結(jié) 23
參考文獻(xiàn) 24
論文小結(jié) 25
致 謝 26
附錄一 讀書報(bào)告一 27
附錄一 讀書報(bào)告二 31
附錄二 外文翻譯 35
附錄三 外文原文 43