存在道德风险的我国基本医疗保险体系中各市场主体行为分析

Behavioral Analysis of Principal Parts of Chinese Fundamental Health Insurance Market under the Condition of Moral Hazard

本文分析了医疗保险市场中存在的道德风险问题 ,并在建立了我国基本医疗保险市场的简单模型的基础上研究了医疗保险机构、消费者和医疗商品的提供者等市场主体在存在道德风险的情况下各自可能产生的行为选择及其相应的影响。

At first, this paper analyzes the moral hazard in the health insurance market. Moreover, the paper establishes a simple model under the circumstance of Chinese fundamental health insurance market and then discusses the choices and the relevant impacts of health insurance institution and consumers as well as medical good providers on condition that there is moral hazard.