The Third-party Payment System Researching For School’s Liability In Student Injury Accidents

Student injury accidents are great and common problem for the school education today, China adopt a third-party payment system. But the school liability insurance system in China is just in initial step, while abroad related system has been developed for a long time, China can make some references from their experiences. This paper reveals the development status and problems of China school liability insurance by jurisprudence analysis, comparative studies, case studies, text analysis and other methods, at last it provide a evolutionary mechanism to improve the third-party payment system for schools liability in student injury accidents in China.Since School liability insurance system had been first time implemented in shanghai in2001, more than20provinces and regions have been followed shanghai to implement school liability insurance in China. It is the important and effective way to solve school’s payment responsibility in Student Injury Accidents in China, but there are still many problems to be solved. Take school liability insurance system in Japan for example, they establish a public non-profit third-party payment system to reduce school’s burden in the student injury treatment,at the same time it can provide better compensation for the hurt student. It is better than in China that school takes the compensation responsibility. The implementation of the school liability insurance system in the United States has gradually became the primary means for the U.S. government to solve the school issue of liability since the1920s, as a kind of liability insurance commercial insurance, with comprehensive and well-developed insurance system, better to solve the problems of the schools in the United States student Injury Accident liability. School liability insurance of China is inherited from the United States school liability insurance, but due to the different socia、political、economic and other environments, there are many problems when school liability insurance system in China continued to develop. I believe China should take more reference to the accidental injury of the Japanese school Masonic payment system experience, build suitable third-party payment system for China’s student injury accidents schools liability.