Research On Risk-based Industrial Accident Classification Of Industrial Injury Insurance

Being an important content of the society guarantee system, industrial injury insurance system is attracting increasing attention. Meanwhile, research on risk-based industrial accident classification has gradually become a hotspot in recent years. The rate of premiums will be determined on the basis of the level of industrial injury risks and the occupational danger in different trades. Additionally, the premium of enterprises will be related to their injury risks level and frequency of occupational danger. On the other hand, the work safety management of enterprises will be benefited and accidents of occupational safety will be reduced because injury insurance. So that sound and scientific systems of industrial accident classification method is the precondition of evaluation the rate of occupational injury insurance accurately. It will be beneficial to the equal distribution of industrial injury insurance costs, stimulating work safety of enterprises by premium mechanism.The statistic data of industrial accidents at home and abroad were collected in this paper. Current characteristics and situation of industrial injury insurance were also opened out. Research development of domestic and abroad related to the subject investigated in this paper on the same time. Aiming at the current problem of taking consideration of the death risks only but neglects the injury risks, Death Rate, Severe Injury Rate, Slight Injury Rate, Occupational Diseases Incidence Rate and Industrial Injury Funds were brought out as the index of trade risks classification.The proportion among death, severe injury and slight injury were calculated combined with the industrial accidents statistic data. On this basis Mathematics model for clustering analysis were built in order to classify the trades. A new method of risk-based industrial accident classification was brought forward eventually.In the end, the objective and subjective reasons of causing industrial accidents were being analysis. Three aspects method of preventing industrial accidents from government, enterprise and society were suggested according to above analysis.