共享经济平台从业人员工伤保险问题探究

Research on Work-Related Injury Insurance for the Employees of Sharing Economy Platform

伴随着共享经济快速发展和大众消费的持续升级,物流、网店、网络直播等新商业经济蓬勃发展,以快递小哥、网络主播、网店卖家为代表的共享经济平台从业人员数量持续增加,而保障这部分劳动者因工受伤及职业伤害的工伤保险,在制度层面至今仍是空白。本文从体制机制、经办服务、主体意识三个方面对共享经济平台从业人员的工伤保险问题进行探究,通过破除现有制度约束,创新工伤认定方式方法,丰富工伤保险参保激励措施等渠道,希望建立起符合新业态从业人员工作特性的工伤保险制度,使其与传统就业形式下的工伤保险制度相融合,最终形成覆盖全面、保障适度的工伤保险体系。

With the rapid development of the sharing economy and the continuous upgrading of mass consumption, new business economies such as logistics, online stores and online live streaming are booming,and the number of employees of sharing economy platforms, represented by delivery service providers, online anchors and online sellers, is increasing. However, the work-related injury insurance that protects these workers against work-related injures and occupation harm, still is blank up to now in system level. This paper explores the problems of work-related injury insurance for the employees on the sharing economy platform from three aspects: system and mechanism, handling services and subject consciousness. By means of breaking the existing institutional constraints, innovating methods and increasing the incentives of participation, it is proposed to establish an industrial injury insurance system in line with the working characteristics of employees in the new business format, integrated it with the industrial injury insurance system under the traditional form of employment, and finally form a comprehensive and appropriate industrial injury insurance system.