CAJ | 학술논문

2010年新《工伤保险条例》出台后，工伤保险基金支付压力增大，各地区相继开展了补充工伤保险的实践，积极探索化解基金支付风险的方法。国内在工伤保险改革的过程中，涌现了三种模式，分别是员工福利模式、补充工伤保险模式和二次投保模式。作为二次投保的典型代表，湖北长阳从基金中划出一定比例的费用向保险公司投保，这种在不增加职工缴费和政府成本的情况下，发挥政府主导作用引入市场机制的做法，具有可行性和优越性，为工伤保险基金的安全运行提供了新的思路。
2010년신《공상보험조례》출태후，공상보험기금지부압력증대，각지구상계개전료보충공상보험적실천，적겁탐색화해기금지부풍험적방법。국내재공상보험개혁적과정중，용현료삼충모식，분별시원공복리모식、보충공상보험모식화이차투보모식。작위이차투보적전형대표，호북장양종기금중화출일정비례적비용향보험공사투보，저충재불증가직공격비화정부성본적정황하，발휘정부주도작용인입시장궤제적주법，구유가행성화우월성，위공상보험기금적안전운행제공료신적사로。
Since the issue of Regulation on Occupational Injuries Insurance in 2010, the social funds have been faced with great financial difficulties as a result of large reimbursement paid for the occupational injuries. The local governments in many areas have been exploring the solutions to payment risk. Three modes are practiced. They are staff welfare mode, supplementary occupational injury insurance mode and second insurance mode. The paper studies the practice of Hubei Changyang company with second insurance. The company appropriated a fixed sum from fund to in-sure for the staff. In this way, governments’dominant role is made use of and the market mechanism is introduced. It is a feasible and advantageous solution.