作　　者： (莫体）;

机构地区： 广西大学商学院,广西南宁530004

出　　处： 《大众科技》 2017年第7期183-186,共4页

摘　　要： 文章主要是分析探讨如何防范社会医疗保险中的道德风险。通过分析作为医疗服务供给方与需求方由于信息的不对称而产生的各种道德风险,如投保人健康注意下降、过度医疗消费、保险欺诈,医疗机构医疗服务的滥用等等,并借鉴德国、日本等社会医疗保险的发展经验,文章从医疗保险机构、医疗经办机构、投保方三个角度提出具有针对性的相关建议来防范道德风险,以控制医疗费用不合理增长,确保社会医疗保险健康快速发展。 This article mainly analyzes how to prevent moral hazard in social medical insurance.By analyzing the various moral risks arising from the asymmetry of the information service provider and the demand side,such as the drop of health expectancy of the insured person,excessive medical consumption,insurance fraud,abuse of medical institutions and so on,and draw lessons from Germany,Japan and other social health insurance development experience,this paper from the medical insurance institutions,medical institutions,the three sides put forward targeted recommendations to prevent moral hazard to control the irrational growth of medical expenses to ensure that social health insurance health Rapid development.

关 键 词： 道德风险 信息不对称 心理诱导