浅析我国雇主责任保险现状与发展毕业设计

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普通本科毕业论文

题目：浅析我国雇主责任保险现状与发展

学院金融学院

学生姓名苏晓达学号 0114859 专业保险学届别2015届指导教师邹永杰职称讲师

二O一五年四月

摘要

自改革开放以来，在我国经济不断发展的同时各种社会问题也不断涌现其中职业伤害就是当今社会无法避免的社会问题之一。事故发生之后受害雇员无法得到足够的赔偿，暴露了我国保障体系的不完善。在受害者无法得到足够的赔偿时，商业保险中的雇主责任保险能给予受害者本人及其家庭充分的物质补偿。发展雇主责任险是社会经济稳定发展的需要。

本文主要研究我国雇主责任险的现状与未来的发展定位和发展途径。分析我国雇主责任险所处的困境，并进一步分析造成困境的各项原因。简单的介绍工伤保险，并将雇主责任险与工伤保险相对比，讨论两个险种的差异，探索两个险种之间谐调途径。探寻我们雇主责任险的合理定位与发展途径，以求雇主责任险获得更好的发展，为我国经济的稳定发展做出更大的贡献。

【关键词】雇主责任；雇主责任保险；工伤保险；错位发展

Abstract

Since the reform and opening up, China's economic has been growing and at the

same

time

social problems

have

emerged which occupation harm

is unavoidable social problems in today's society of. After the accident the injured employee can’t China's imperfect social

get

enough compensation,

system. When

has

exposed

get

security victims can't

enough compensation, employer's liability insurance of commercial insurance in the victims and their familiescan give full compensation for the material. The development of employer's liability insuranceis the need of social and economic stability and development.

This thesis mainly studies the present situation of our employer liability insurance and the development orientation of the future. In this paper, I analyze the position of employer's liability insurance in our country and the plight of the difficulties caused by the reasons .Brief introduction of employers liability insurance and industrial injury insurance comparison, discuss the differences of two types of insurance, insurance exploration between the two ways of harmony Explore reasonable position we employer liability insurance, employer liability insurance in order to better development for the stable development of China's economy and make greater contribution.

【key words】Employer's liability; Employers Liability Insurance ；

Injury insurance ; dislocation development