【作者】 谭璇；

【导师】 陈云凡；

【作者基本信息】 湖南师范大学 ， 社会保障， 2015， 硕士

【摘要】 近年来,我国学生伤害事故频繁发生,由此造成的法律纠纷时常见诸于各大新闻媒体,引起社会各界广泛关注。目前,我国已进入学生意外事故的高发期,意外伤害成为威胁学生安全的头号杀手。各种各样的学生意外伤害事故案件的日益增多,也使得越来越多的学校被推上被告席,这不仅影响到学校的正常发展及教育教学秩序,同时也给学生、家庭、社会带来了不安定因素。因此,加强对学生伤害事故的相应研究与制定合理对策就成为我们不得不正视的一个问题,同时在教育部出台《学生伤害事故处理办法》与各地制定相关的法规、政策及实践之后,如何建立我国学生伤害事故的社会保险机制,已成为亟待解决的理论和实践的课题。本研究从风险管理和社会保障角度出发,通过文献分析和个案访谈方式对现行的学生意外伤害风险分散机制进行了分析和评估,并对该机制进行了制度层面和操作层面的优化,建议建立学生意外伤害保险制度,采取一种更具福利性、公益性、更普及的新型风险分散机制来更全面、妥善的分散学生意外伤害风险。本文第一部分主要阐述学生意外伤害风险分散机制的研究背景和意义、国内外文献综述、论文研究思路、方法与创新。本部分还介绍了与学生意外伤害风险分散机制相关的核心概念和理论基础。第二部分对我国当前学生意外伤害风险分散机制制度变迁做了详细阐述,主要采取的是商业保险模式来分散风险,包括校方责任险和学平险;同时从投保模式和理赔模式等方面评估了该机制的运行现状。通过分析个案访谈资料,发现现行的机制存在制度和操作方面的问题,包括法规不健全、条例不清楚以及实施过程中由于投保主体和责任认定引发的纠纷等。本文第三部分就是对学生意外伤害风险分散机制进行整体优化,从而建议采取政府补贴的福利模式,将校方责任险纳入社会保险范畴。第四部分在前文所得结论的基础上,借鉴国外经验,提出了建立学生意外伤害保险制度的对策建议,包括机制运行原则和构想。更多还原

【Abstract】 In recent years, students injury accidents occur frequently, resulting legal disputes often seen in major news media, which aroused widespread concern in the community.China has entered a period of more student accidents, injuries become a threat to the safety of students. A wide variety of student injuries increasing cases of accidents, but also makes more and more schools to be a defendant, which not only affects the normal development of the school and teaching order, but also to students, families, community band to the unrest. Therefore, the strengthening of relevant research student injury accidents and develop a reasonable countermeasures has become a problem we have to face, while the Ministry of Education issued after the "Student Injury Treatment" development of relevant laws and regulations, policies and practices with the rest, how to build our students’ social insurance mechanisms injury accident has become an issue to be solved in theory and practice.In this study, risk management and social security point of view, by way of case interviews and literature analysis on the existing student accident risk diversification mechanism is analyzed and evaluated and the mechanism of the system level and the operational level of optimization, the proposed establishment of student accident insurance system, take a more welfare, public welfare, the new risk diversification mechanism is more popular to be more comprehensive, properly dispersed student accident risk. The first part of this article describes the student accident background and significance of risk diversification mechanism, domestic and international literature review, research paper ideas, methods and innovation.This part also introduced the related to student injury risk disperse mechanism of the core concepts and theoretical basis. The second part of the current student accident risk disperse mechanism made elaborate institutional changes, mainly take the commercial insurance pattern to spread risk, including the school liability insurance and learn flat risks; At the same time the paper evaluate the running situation of the mechanism from insurance and claims perspective.By analyzing relevant data of case interviews, found that the current mechanism system and operating problems, including imperfect laws and regulations is not clear due to the insured subject and in the process of the implementation and responsibility identification of disputes, etc. In this paper, the third part is the students injury risk disperse mechanism for the overall optimization, suggesting that take government subsidies welfare model, the school liability insurance should be brought into the social insurance. The fourth part on the basis of the above conclusion, draw lessons from foreign experience, put forward to establish countermeasures and Suggestions of students accident injury insurance system, including the principle and idea mechanism.更多还原