城镇职工基本医疗保险道德风险的防范研究

The Study on the Evading of Moral Hazards of the Urban Workers' Basic Medical Insurance

道德风险在各种保险市场都存在,但在医疗保险市场却复杂得多。它使医疗费用支出过度膨胀,城镇居民医疗保障水平相对降低,并且带来整个社会道德水平的下降。究其原因,除了各方参与者逐利行为外,还与个人品德是否高尚、社会相关制度完善与否休戚相关。本文认为建立规范合理的规章制度是防止道德风险的根本保证,社会整体道德体系建设是规避道德风险的核心,相关的具体措施也是必不可少的。

The moral risk exists on various kinds of insurance markets, but more complicated on the medical insurance market. It makes hospitalization cost expand excessively, the urban resident＇s medical insurance level decrease relatively, and the decline of the whole social morals. Tracing to its cause, besides of the chasing benefit behavior of each participant, it＇s relational to personal morality and the relevant institution. The text holds that the normative and rational regulation is the fundamental guarantee to prevent morals risk. It＇ s the core of evading morals risk that the establishment of social morals system. Relevant concrete measures are essential also.