摘要：工伤保险是指劳动者在生产劳动和工作中遭受意外伤害或因长期接触职业性有毒有害因素引起的职业病伤害后，由国家或社会给予负伤、致残者，死亡者本人及其家属物质帮助的一种社会保障制度。通过工伤保险机制，可以使受到职业伤害的劳动者及时获得医疗救治、生活保障、经济补偿和职业康复，并分散用人单位在劳动者职业伤害上的风险责任。所以它不仅关系到职工和用人单位的权益，更关系到人民生活、经济发展和社会稳定。然而在我国劳动力市场如此供求不平衡、秩序不规范的情况下，目前的工伤保险制度难以适应我国经济快速发展的需要。因此本文主要是对我国现行工伤保险制度现存问题进行客观分析，结合一些工伤案例，并通过与国外工伤保险制度的对比与借鉴，提出完善我国工伤保险制度的对策。

关键词：工伤保险；工伤保险制度；工伤认定；工伤预防；工伤康复

Abstract:Employment Injury Insurance is a kind of social security system that country or society provide material help to the wounded, the disable, victims and their families who are the labors suffered from the accident harm or occupational disease caused by long-term exposure to toxic harmful factors during manufacturing and works. Through the employment injury insurance mechanism, workers by occupational injuries can make timely access to medical care, life assurance, financial compensation and vocational rehabilitation, and dispersed the responsibility of the employers on workers' occupational injury risk. So it is not only related to the interests of workers and employers, is also related to people's lives, economic development and social stability.However, under such an unbalanced and nonstandard case in the labor market in China, the current employment injury insurance system is difficult to adapt to Chinese rapid economic development needs. Therefore, this paper is to conduct an objective analysis of the existing problems of Chinese current employment injury insurance system, combined with some of the work injury cases, and compared with and draw foreign employment injury insurance system to propose the countermeasures to improve the employment injury insurance system.

Key words: Inductrial injury insurance；the industrial injury insurance system；work-related injury certification；industrial injury prevention；Inductrial injury rehabilitation

　　　世界主要市场经济国家发展社会保障的经验表明，建立工伤保险制度是市场经济条件下保障职工工伤权益的重要制度，是维护社会稳定，促进企业公平竞争和安全生产的重要条件，也是社会保险体系的基本内容和重要组成部分。而我国经济的高速发展带来了工伤事故频发、职业病高发的现象，这不但严重影响了劳动者的生命和健康，也给国民经济造成了巨大的损失。因此完善我国工伤法律制度，对于维护劳动者的生命健康权益，促进劳动关系的和谐稳定，都具有十分重要的理论和实践意义。