经济与管理2024，Vol.38Issue(5)：19-32,14.
新就业形态下如何破局劳动者工伤保险不完全覆盖困境
How to Break Through the Dilemma of Incomplete Coverage of Work-Related Injury Insurance for Workers in New Employment Forms:An Evolutionary Game Analysis Based on the Crowdsourcing Rider Group
摘要
Abstract
Promoting work-related injury insurance coverage for newly employed workers is very important for the healthy development of new employment forms.This paper takes the group of crowdsourcing riders,who are at a higher risk of occupational injuries and weaker attributes,as an example.From the perspective of balancing the interests of supply and demand parties involved in work-relat-ed injury insurance coverage,a tripartite evolutionary game model involving instant delivery platforms,crowdsourcing riders,and the government is constructed.This model aims to explore the internal mechanisms behind the dilemma of incomplete insurance coverage for crowdsourcing riders,as well as specific measures to promote the formation of insurance coverage among these riders.The results of game analysis are verified by MATLAB simulation.The research finds that the probability of riders suffering occupational injuries influ-ences their assessment of the expected returns from commercial insurance economic compensation and platform compensation,thereby affecting their choice of insurance participation strategies.The primary reasons for the incomplete coverage of work-related injury insur-ance among riders are that the loss of order volume and order price for insured riders exceeds the financial cost of commercial insur-ance,and the economic compensation from commercial insurance is lower than the compensation provided by the platform.The govern-ment plays a key role in promoting work-related injury insurance coverage for riders.By reducing the loss incurred by insured riders and the work-related injury insurance payment rate on the platform,and by increasing penalties for platforms that fail to provide insur-ance as well as enhancing compensation for riders,the government can accelerate the formation of insurance coverage for riders.关键词
新就业形态/工伤保险/众包骑手/演化博弈/数值仿真Key words
new employment forms/work-related injury insurance/crowdsourcing rider/evolutionary game/numerical simulation分类
管理科学引用本文复制引用
肖亮,李宏勇..新就业形态下如何破局劳动者工伤保险不完全覆盖困境[J].经济与管理,2024,38(5):19-32,14.基金项目
国家社会科学基金一般项目(19BGL098) （19BGL098）
教育部人文社会科学重点研究基地重大项目(22JJD630019、22JJD790082) （22JJD630019、22JJD790082）
教育部人文社会科学研究一般项目(23YJCZH095) （23YJCZH095）
