我国灵活就业群体的工伤保障研究——政策现状与发展方向

    Research on Occupational Injury Protection for China′s Flexible Employment Population——Current Status of Policies and Development Direction

    • 摘要: 数字经济的快速发展推动灵活就业群体的迅速扩张,灵活就业占比已经超过全部就业人群的1/4。灵活就业群体的工伤保障缺失问题愈发凸显。对中国灵活就业群体的发展壮大历程和工伤保险政策演变进行了梳理研究,对工伤保险存在的整体覆盖面低、参保人数高和享受保障人数少、低风险职业参保比例高和高风险职业参保比例低以及保险基金结余高的突出问题作了分析。以平台就业为例,发现灵活就业工伤保障缺失的原因包括劳动关系的缺失、社会保险缴纳成本较高并存在明显的道德风险问题。基于引导灵活就业群体社会保障正规化的角度,从顶层法律完善、机制设计、加强保障水平和强化配套等方面提出政策建议。

       

      Abstract: The rapid development of the digital economy has driven the rapid expansion of the flexible employment population, which now accounts for more than one-fourth of the total employed population. The lack of occupational injury protection for flexible workers has become increasingly prominent. This study analyzes the development and growth of the flexible employment population in China, examines the evolution of occupational injury insurance policies, and analyzes the existing issues such as low overall coverage, high enrollment but low coverage, high enrollment in low-risk occupations but low enrollment in high-risk occupations, and high insurance fund surplus. Taking the platform employment as an example, it identifies the reasons for the lack of occupational injury protection for flexible workers, including the absence of labor relations, high social insurance costs, and significant moral hazard. Based on the perspective of guiding the regularization of social security for flexible workers, this study proposes policy recommendations from the aspects of improvement of top-level law, mechanism design, coverage level, and strengthening support.

       

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