The Study Of The Differential Rate For Occupational Injure Insurance In China

Differential rate is the core of occupational injury insurance mechanism, which has direct impact on the enthusiasm of enterprise to buy insurance and the preventing of occupational injure. For its rate classification is not reasonable, Current differential rate can not achieve the purpose of combination fee rate with risk. Many enterprises with low risk do not want to take part in occupational injury insurance. The function of occupational injury insurance has not been brought into play.The author investigate the situation of occupational injury insurance in China, and on this basis analyze the existing problems with differential rate; compare and analyze traditional evaluation indexes and methods, understand its limitation; analyze the feasibility of fuzzy cluster theory in the classification of industry insurance risks; according to the theory of occupational injury and Chinese practical condition, fix on the evaluation indexes of classification of industry insurance risks; class industry insurance risks with fuzzy cluster theory.The author also analyze the feasibility of neural network theory in the classification of industry insurance risks, provide a probability for further study.On the basis of Chinese practical condition in safety management, with modern evaluation technology, further perfecting occupational injury insurance mechanism in China has great significance in ensuring the implement of occupational injury insurance, maintaining social stabilization, promoting economy development and social advancement.