众包骑手职业伤害保障权益研究

A Study on the Rights and Interests of Occupational Injury Protection for Crowd-Sourced Delivery Riders

摘要: 随着数字经济与平台经济深度融合，众包骑手作为新就业形态的核心群体，在就业市场中占据重要地位。现今经济的数智化转型浪潮虽给众包骑手带来了就业新形态，却也引发了系列问题。本文基于众包骑手群体特性与数智化发展实践，结合新就业形态人员职业伤害保障试点等政策实践，通过梳理现行法律法规与学术研究成果，系统分析数智化时代众包骑手在参保适配、算法治理、权益救济等方面的现实困境。研究发现众包骑手劳动保障面临弹性参保机制缺失、算法黑箱化、维权渠道不畅等突出问题，需从政策优化、技术治理、机制创新三个方面构建完善路径。

Abstract: With the deep integration of the digital economy and the platform economy, crowd-sourced delivery riders, as a core group in the new employment pattern, occupy an important position in the job market. Although the current digital transformation of the economy has brought new forms of employment to crowd-sourced riders, it has also triggered a series of problems. Based on the group characteristics of crowd-sourced riders and the practice of digital development, combined with policy practices such as the pilot occupational injury protection for workers in new employment forms, this paper systematically analyzes the practical dilemmas of crowd-sourced riders in the digital era regarding insurance eligibility adaptation, algorithm governance, and rights relief by sorting out current laws, regulations and academic research findings. The study finds that labor protection for crowd-sourced riders is confronted with prominent problems including the lack of a flexible insurance mechanism, algorithmic opaqueness, and inadequate channels for rights protection. Therefore, improvement paths should be constructed from three dimensions: policy optimization, technology governance, and mechanism innovation.