Coal Mine Industrial Injury Risk Evaluation And Insurance Premium Rate Mechanism

The coal mine industrial injury insurances can guarantee miners' legal rights, disperse coal mines' industrial injury risks and lighten enterprises' burden; the scientific premium mechanism can promote industrial injury prevention and improve coal mine safety conditions. This dissertation researches coal mine industrial injury risk evalution and insurance premium rate mechanism in our country according to the theories and methods of statistics, management, social insurance and econometrics. Firstly, the rates and reasons of coal mine industrial injuries in our country are analyzed, and it is concluded that the industrial injury rates are different among coal mines of different areas and enterprise styles, so the different level premium system is put forward according to different areas and enterprise styles. The comprehensive evaluation system for the coal mine industrial injury risks based on the industrial injury rates is established and the method to ascertain index weights is improved. Furthermore, the dissertation researches the mechanism of coal mine industrial injury premium rates based on the industrial injury risk evaluation and improves the method to ascertain the premium rates. Finally, the suggestions about improving the insurance management and perfecting the compensation system of coal mine industrial injury are made.