试论社会医疗保险中的道德风险及防范  

Moral risk in social medical insurance and precautions

作　　者：代志明[1] 周浩杰[1] 

机构地区：[1]武汉大学社会保障研究中心,湖北武汉430072

出　　处：《卫生经济研究》2005年第5期15-16,共2页

摘　　要：道德风险是社会医疗保险领域中存在的比较严重的问题,本文阐述了社会医疗保险中道德风险的具体表现形式,分析了道德风险产生的原因在于社会医疗保险市场的特殊性,并针对这一特殊原因,提出防范的对策。Moral risk is a serious issue in the domain of social medical insurance.In this paper,the specific forms of moral risk in social medical insurance were described.The specific characteristics of social medical insurance market as the cause of moral risk were analyzed.According to the specific cause,precautions against moral risk were presented.

关 键 词：社会医疗保险 道德风险 医疗保险市场 特殊原因 特殊性 

分 类 号：R197.1[医药卫生—卫生事业管理] R197[医药卫生—公共卫生与预防医学]