Research On The Development Model Optimization Of Work Safety Liability Insurance For Small,Medium And Micro Enterprises In Beijing

In recent years,with the full development of market economy,Beijing micro,small and medium enterprises has become an important part of Beijing’s economic and social,to maintain the continuous and stable development of national economy,stimulating domestic demand,play a decisive role,however,part of micro,small and medium enterprises management attaches great importance to the management development,despise the phenomenon still exists,safety in production The frequent occurrence of safety accidents has a great negative impact on social stability.At present,the work safety liability insurance implemented in Beijing has functions such as accident prevention and economic compensation,disperses and transfers risks,and applies risk management methods in the insurance industry to avoid and control risks,so as to achieve the goal of safe and sustainable development.However,the operation of work safety liability insurance in Beijing has been nearly 8 years,but there are problems such as insufficient insurance willingness of enterprises and low insurance participation rate,and it has not fully played its role in promoting work safety.By studying the operation status of work safety liability insurance in Beijing,this paper puts forward some suggestions for the effective and healthy operation of work safety liability insurance in Beijing.First of all,this paper describes the concept and characteristics of work safety liability insurance,and compared with work-related injury insurance,employer liability insurance,public liability insurance and other work safety insurance,to deeply understand its characteristics.At the same time,the development history of work safety liability insurance in China and Beijing,the concept of small,medium and micro enterprises in Beijing,the distribution of small,medium and micro enterprises and the status of work safety are sorted out,and the role of work safety liability insurance on the work safety of small,medium and micro enterprises is expounded.Furthermore,problems are found through sorting out the operation mechanism of work safety liability insurance in Beijing,and the operation situation and accident reports of work safety liability insurance in Beijing from 2016 to 2020 are analyzed as a whole.Through data collection,extraction and analysis,the problems of the operation of work safety liability insurance in Beijing mainly include:low coverage rate,insurance companies have not implemented the standard rate,a large number of pending claims,and the non-standard work safety standards of enterprises,etc.This paper puts forward some suggestions on the problems existing in the operation of work safety liability insurance:under the premise of government guidance,without increasing the burden of enterprises,the insurance development mode of "government support+market operation" can be achieved.Improve the operation mechanism of work safety liability insurance in Beijing from the government level,insurance company level and enterprise level,and put forward suggestions on the development mode of optimizing the insurance service mechanism,establishing the management system of extraction of work safety accident prevention expenses,scientifically using the rate floating mechanism and improving the efficiency of claim service.