Industrial injury insurance is an earlier social insurance system. The Bismarck government of Germany established the industrial injury insurance system as early as 1884, which was earlier than the establishment of pension insurance and unemployment insurance. The industrial injury insurance system in new China has been stipulated in the Labor Insurance Regulations of 195 1. 1957 occupational diseases are included in the scope of industrial injury insurance in the scope of occupational diseases and measures for the treatment of occupational disease patients formulated by the Ministry of Health. 1994 labor law also clearly stipulates the establishment of industrial injury insurance system. 1996, the Ministry of Labor issued the Trial Measures for Industrial Injury Insurance for Enterprise Employees. By the first half of 2002, 28 provinces, autonomous regions and municipalities directly under the Central Government had formulated local regulations on industrial injury insurance. In order to unify the national industrial injury insurance system, it is necessary to formulate the national industrial injury insurance regulations. On April 27th, 2003, Prime Minister Wen Jiabao of the State Council signed the State Council Order No.375, promulgating the Regulations on Industrial Injury Insurance, which shall come into force on June 65438+ 10/day, 2004.

According to Article 1 of the Regulations on Work-related Injury Insurance (hereinafter referred to as the Regulations), there are three main legislative purposes of the Regulations:

First, protect the right of workers injured at work to receive treatment and economic compensation. The first right of employees after an accident or occupational disease is to get timely and effective assistance. In this regard, we must fully guarantee the expenses of transportation, hospitalization, examination, diagnosis and treatment, so that the degree of injury of injured employees can be effectively controlled as soon as possible. Secondly, after employees' illness is stable, they should be assessed according to legal procedures to determine the level of disability, so as to arrange corresponding one-time and long-term economic compensation. It is the original intention of the industrial injury insurance system to treat and compensate the workers who have been injured at work, and it is still the core of the industrial injury insurance system at present.

The second is to promote work-related injury prevention and vocational rehabilitation. In the past, the industrial injury insurance system generally only paid attention to the treatment and compensation of employees with industrial injuries, and paid insufficient attention to industrial injury prevention and vocational rehabilitation. After more than 100 years of development, industrial injury insurance systems in various countries have gradually formed a trinity or trinity structural model of prevention, treatment and rehabilitation, and the importance attached to industrial injury prevention and occupational, life, social and psychological rehabilitation of industrial injury workers has been continuously improved. In determining the rate of industrial injury insurance, we should urge the units to do a good job in the prevention of industrial accidents through industry differential rates, especially the floating rate of units, so as to reduce production costs. The relief for injured workers should not only stay in medical treatment, but also focus on the rehabilitation of professional ability to maximize the benefits of social resources.

The third is to disperse the risk of work-related injuries of employers. With the progress of science and technology, the level of industrial injury prevention is getting higher and higher, but the occurrence of industrial injury is still inevitable. In the early days of the establishment of the industrial injury insurance system, many units were often weakened after industrial accidents, and it was impossible to compensate every employee who was injured at work, let alone the further development of the unit itself. In order to disperse the risks of employers and enhance their ability to resist the risks of industrial accidents, employers need to raise funds in advance to form mutual funds. The modern industrial injury insurance system still has the function of dispersing the responsibility of employers, and with the progress of the times, the mechanism of dispersing risks is becoming more and more advanced. In the modern industrial injury insurance system, there are two important rate determination mechanisms: one is the industry differential rate system, and the other is the unit rate floating system, both of which well reflect the idea of risk diversification.

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