社会医疗保险中的道德风险与信任机制

Moral Hazard and Trust Mechanism in Social Health Insurance

社会医疗保险中的道德风险正在成为经济社会改革必须面对的问题之一。在信息不对称的市场上,因为机会主义倾向而导致的道德风险,其后果不仅是日益增长的医疗保险费用支出,同样不可忽视的是它对诚信建设和信任系统的破坏。这在事实上导致了医患之间严重的信任缺失和关系恶化。为化解道德风险的发生,有必要在强化制度建设的基础上,重建人们对制度和专家系统的信任。

Moral hazard in social health insurance is becoming a social problem in the economic society reform. In the information asymmetry market, the social consequence of moral hazard from opportunism trend is not only overspending medical fee, but also destroy on confidence construction and trust system. Moral hazard in social health insurance deteriorated relationship between doctor and client. To control the moral hazard, it＇ s necessary to reconstruct people＇ s trust on system and expert based on promoting mechanism, from the viewpoint of trust mechanism.