医疗保险市场道德风险的经济分析  

Economic Analysis of Moral Risks in Medical Insurance Market.

作　　者：陈钢[1] 

机构地区：[1]西安交通大学公共管理学院硕465班,710049

出　　处：《中国卫生事业管理》2005年第9期522-525,共4页Chinese Health Service Management

摘　　要：社会医疗保险作为社会保障体系重要的组成部分,在保障劳动者身体健康、抵御疾病费用风险等方面发挥了重要的作用。但是,医疗费用的迅猛增长,不仅制约了医疗保险作用的进一步发挥,甚至还从根本上影响了其存在性问题。为了保证医疗保险事业的良性发展,就必须从本质上探究医疗费用迅猛增长的原因,进而抑制其快速增长。研究表明,除了一些合理的影响因素以外,来自医疗服务市场供需双方的道德风险是造成医疗费用不合理增长的主要原因。文章运用经济学的原理对医疗保险市场的道德风险进行了分析,并在此基础上,重点探讨了抑制道德风险的方式。As an important part of social guarantee system, social medical insurance plays an important role for improving laborers＇hcalth and defending medical expense risk. However, the fast increase of medical expense not only limits the functions of medical insurance, but also ultimately influences its existence. To insure the virtuous development of medical insurance, it must substantially study the reasons of fast increase of medical expense to restrain its increase. The results show that besides of some rational factors, the moral risks from provider and demander in medical market are main reasons that result in irrational increase of medical expense. This paper analyzed moral risks in medical insurance market and discussed the solutions. Authors＇address

关 键 词：道德风险 

分 类 号：F842.6[经济管理—保险]