医疗保险制度改革的契约经济学分析  

作　　者：张广华[1] 杨立旺[2] 

机构地区：[1]西南财经大学,四川成都610074 [2]中国保险监督管理委员会四川监管局,四川成都610074

出　　处：《保险研究》2006年第4期20-22,96,共4页Insurance Studies

摘　　要：医疗保险制度是由国家、医疗机构和个人之间的以交易医疗资源为目的的典型不完全关系契约。不完全关系契约的维持往往依赖于对准租占有者的补偿。政府对医疗保险的管理成本也依赖于个人和医疗机构占有准租的大小。本文通过对医疗保险准租的建模分析，得出医疗保险改革应该围绕着降低医疗保险的待遇水平、药品价格水平、服务价格水平以及提高医疗保险覆盖率展开的结论。A medical insurance system is a typical incomplete relational contract aimed to trade medical resources between the state, medical providers and individuals. The maintenance of the incomplete relational contract depends on compensation to owners of quasi-rents. The government＇s cost of management on medical insurance also depends on the size of quasi-rents owned by individuals and medical institutions. The article arrives at the conclusion that medical insurance reform should be centered on decreasing medical insurance benefit levels, medical prices and service prices and improving the coverage ratio by modeling the medical insurance quasi-rents.

关 键 词：医疗保险 契约经济学 准租 待遇水平 

分 类 号：F840.684[经济管理—保险]