社会保险道德风险的发生机制及防治

Prevention and Mechanisms of Occurrence of Moral Hazard of Social Insurance

社会保险制度是社会保障制度最重要的组成部分,对于实现社会保障制度的功能起着重要作用。道德风险对于社会保险发挥其正常功能具有显著的消极影响。本文针对国内外社会保险制度实施中存在的形形色色的道德风险,探讨了社会保险道德风险产生的条件和特点,分析了社会保险道德风险产生的原因,提出防治社会保险道德风险的思路和对策。

The system of social insurance is the most important component of the social security system,for realizing the function of the social security system plays an important role. The moral hazard has remarkable negative effect regarding the social insurance functions＇ normal display. The paper in cognizance of varied moral hazard that exists when implemented to the system of social insurance at home and abroad,has probed into condition and features that the morals hazard of social insurance produces,have analyze the reason why the morals hazard of social insurance produces,put forward thinking and plan countermeasure of preventing morals hazard of social insurance.