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工伤赔偿制度中有三种支付保险赔偿金的基本积累模式。第一,“纯粹的”社会保障体制使用纯粹的社会费率积累赔偿金。第二,行业差别费率应用于有限风险定价的公共体制。第三,基于风险的定价是公共和私有体制中使用的用以积累保险赔偿金的方式。依据理念或公共政策的不同,基金制度可以分为“以收定支”和“完全基金”两种体制。这些积累模式影响着雇主的经营决策,尤其是涉及安全方面的决策。另外,本文探讨了雇主保险之外可以提高安全的激励性体制。
There are three basic modes of payment for insurance compensation in work injury compensation system. First, the “pure” social security system uses purely social rates to accumulate compensation. Second, the industry differential rates apply to public institutions that have limited risk pricing. Third, risk-based pricing is a method used in public and private institutions to accumulate insurance benefits. Depending on the concept or public policy, the fund system can be divided into two systems: “receive payments” and “complete funds”. These patterns of accumulation affect the employer's business decisions, especially those related to security. In addition, this article explores the incentive systems that employers can use to improve security beyond insurance.