我国家政保险的发展研究

发布时间：2018-06-17 16:03

  本文选题：家政工 + 家政保险　； 参考：《广西大学》2017年硕士论文

【摘要】：家政保险是指对被保险人因所雇佣的家政人员在工作中由于遭受意外导致伤、残、死亡或患有与职业有关的职业性疾病或者因家政人员在服务雇主过程中意外对雇主的家庭成员、财务或者第三者造成损害,而依法或雇佣合同所承担的经济赔偿责任进行承保的一种责任保险。我国自2004年就推出了家政保险,家政工遭遇工伤缺乏保险保障的局面得到了改善。家政保险不仅能保障家政工的个人权益,又能减轻家政企业和雇主的经济赔偿压力,有利于构建和谐社会。但是从实际情况来看,家政保险的市场规模较小,发展速度缓慢,其预期作用没有得到充分发挥。自2014年发布保险新“国十条”后,政府开始重视通过商业责任保险化解社会矛盾纠纷的功能。而目前在我国职业工伤保障的理论学界,主流的观点都是以工伤保险为主的,商业保险仅仅是作为一种补充手段。但受到我国目前的法律制度和家政行业的特殊性所制约,工伤保险并不能很好的适用于家政工。因此本文不同于以往的研究角度,提出用商业责任保险来解决家政工的工伤保障问题。本文从家政保险的价值分析入手,对我国目前家政保险的发展现状和存在问题进行分析,并适度借鉴国外与家政工保险相关的经验,结合实际情况为我国家政保险的发展提出有效可行的对策建议,以进一步完善我国家政保险,提高参保率,切实有效地推动家政保险的市场运作,使家政工、家政企业和雇主等三方的利益得到更好的保障。本文共分为五个章节。第一章导论部分论述了研究背景与意义、研究问题与方法、研究目的与框架、创新点与不足等。第二章首先分析了家政保险的相关理论概念,包括家政工的定义和类型,家政保险的定义及其存在的法律、理论和社会基础;然后从经济、个体和社会三个角度揭示了家政保险的价值。第三章介绍了我国家政保险的发展状况,并对存在的问题和成因进行分析。第四章介绍了国外的家政工的保险相关制度以及从中得出一些经验借鉴。第五章结合我国家政保险存在的问题从政府、保险公司和社会三个层面对促进家政保险的发展提出了对策建议。
[Abstract]:Domestic insurance refers to the injury and disability caused by accident in the work of the domestic worker employed by the insured, Death or occupational illness or injury to the family member, financial or third party of the employer as a result of an accident caused by a domestic worker in the course of his service to the employer, And a liability insurance that is insured by the economic compensation liability assumed by law or employment contract. China has introduced domestic insurance since 2004, and the situation of domestic workers suffering from industrial injury lack of insurance has been improved. Domestic insurance can not only protect the personal rights and interests of domestic workers, but also alleviate the pressure of economic compensation of domestic enterprises and employers, which is conducive to the construction of a harmonious society. But from the actual situation, the market scale of domestic insurance is relatively small, the development speed is slow, its anticipated function has not been brought into full play. Since 2014, the government has begun to attach importance to the role of commercial liability insurance in resolving social conflicts and disputes. At present, in the theoretical circle of occupational injury insurance in our country, the mainstream view is mainly about industrial injury insurance, and commercial insurance is only as a supplementary means. However, due to the current legal system and the particularity of domestic work, industrial injury insurance is not suitable for domestic workers. Therefore, this paper is different from the previous research, and proposes to solve the problem of work-related injury insurance by commercial liability insurance. Starting with the value analysis of home economics insurance, this paper analyzes the present situation and existing problems of domestic insurance in our country, and draws lessons from the experience of foreign countries. According to the actual situation, this paper puts forward effective and feasible countermeasures and suggestions for the development of domestic insurance in our country, in order to further improve the domestic insurance in our country, increase the rate of participating in the insurance, promote the market operation of domestic insurance effectively, and make the domestic workers, The interests of domestic enterprises and employers are better protected. This paper is divided into five chapters. The first chapter discusses the research background and significance, research problems and methods, research objectives and frameworks, innovation and shortcomings. The second chapter first analyzes the related theoretical concepts of domestic insurance, including the definition and types of domestic workers, the definition of domestic insurance and its legal, theoretical and social basis, and then from the economic, Individual and social three angles reveal the value of domestic insurance. The third chapter introduces the development of domestic economy insurance in China, and analyzes the existing problems and causes. The fourth chapter introduces the insurance system of domestic workers abroad and draws some experience from it. The fifth chapter puts forward countermeasures and suggestions to promote the development of domestic insurance from three levels: government, insurance company and society, combined with the existing problems of domestic insurance in China.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6

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