本文選題：家政工 + 家政保險�。� 參考：《廣西大學(xué)》2017年碩士論文

【摘要】：家政保險是指對被保險人因所雇傭的家政人員在工作中由于遭受意外導(dǎo)致傷、殘、死亡或患有與職業(yè)有關(guān)的職業(yè)性疾病或者因家政人員在服務(wù)雇主過程中意外對雇主的家庭成員、財務(wù)或者第三者造成損害,而依法或雇傭合同所承擔(dān)的經(jīng)濟賠償責(zé)任進行承保的一種責(zé)任保險。我國自2004年就推出了家政保險,家政工遭遇工傷缺乏保險保障的局面得到了改善。家政保險不僅能保障家政工的個人權(quán)益,又能減輕家政企業(yè)和雇主的經(jīng)濟賠償壓力,有利于構(gòu)建和諧社會。但是從實際情況來看,家政保險的市場規(guī)模較小,發(fā)展速度緩慢,其預(yù)期作用沒有得到充分發(fā)揮。自2014年發(fā)布保險新“國十條”后,政府開始重視通過商業(yè)責(zé)任保險化解社會矛盾糾紛的功能。而目前在我國職業(yè)工傷保障的理論學(xué)界,主流的觀點都是以工傷保險為主的,商業(yè)保險僅僅是作為一種補充手段。但受到我國目前的法律制度和家政行業(yè)的特殊性所制約,工傷保險并不能很好的適用于家政工。因此本文不同于以往的研究角度,提出用商業(yè)責(zé)任保險來解決家政工的工傷保障問題。本文從家政保險的價值分析入手,對我國目前家政保險的發(fā)展現(xiàn)狀和存在問題進行分析,并適度借鑒國外與家政工保險相關(guān)的經(jīng)驗,結(jié)合實際情況為我國家政保險的發(fā)展提出有效可行的對策建議,以進一步完善我國家政保險,提高參保率,切實有效地推動家政保險的市場運作,使家政工、家政企業(yè)和雇主等三方的利益得到更好的保障。本文共分為五個章節(jié)。第一章導(dǎo)論部分論述了研究背景與意義、研究問題與方法、研究目的與框架、創(chuàng)新點與不足等。第二章首先分析了家政保險的相關(guān)理論概念,包括家政工的定義和類型,家政保險的定義及其存在的法律、理論和社會基礎(chǔ);然后從經(jīng)濟、個體和社會三個角度揭示了家政保險的價值。第三章介紹了我國家政保險的發(fā)展?fàn)顩r,并對存在的問題和成因進行分析。第四章介紹了國外的家政工的保險相關(guān)制度以及從中得出一些經(jīng)驗借鑒。第五章結(jié)合我國家政保險存在的問題從政府、保險公司和社會三個層面對促進家政保險的發(fā)展提出了對策建議。
[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.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842.6

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本文編號：2031616