社会医疗保险中的道德风险研究述评

Literature Review on the Moral Hazard in Social Medical Insurance Systems

社会医疗保险在增加公民医疗保健服务可及性的同时,却带来了医疗费用的大幅度上涨。其中最重要的原因在于:道德风险可能引发公民对医疗资源的过度需求。本文首先结合医疗产品和医疗保险的特殊属性分析了道德风险的成因,其次对道德风险的表现形式以及现有的实证研究方法进行梳理,并提出防范道德风险的有效措施,最后是总结和简要评述,以期进一步明确未来的研究方向。

Social medical insurance increases the accessibility of medical insurance service for citizenship,however,it leads to a substantial rise of hospitalization costs. The fundamental cause is that moral hazard may lead to excess demand for medical resources. This article first analyses the cause of moral hazard based on the special properties of medical product and medical insurance,then presents the manifestation of moral hazard and current empirical research methods and put forward effective methods of preventing moral hazard. The final part is the summary and brief comment which can help specify the direction of future research.