保险学-我国医疗保险的道德风险及控制VIP专享

我国医疗保险的道德风险及控制摘要：我国医疗保险是国家依据法律规定，为参保的社会成员弥补其因患病造成的经济损失所建立的社会保险制度。随着我国经济的发展，医疗保险的弊端也逐渐显露，我国的医疗保险并没有完全保障到所有的居民，保险密度以及保险深度后相对较低，农村地区人口大多无法享受医疗保险的保障，医疗保险制度存在漏洞，无法阻挡医方以及患者对制度的侵蚀以及制约医患双方从中获利的行为这些因素都造成了医疗行业道德风险事件的频繁发生。本文以医疗保险的主要参与方为依据，研究我国医疗行业发展过程中所出现的道德风险，道德风险的来源风险的发生总会带来负面的作用，从影响中出发，能够较快抓取问题的根源，因此，可以通过研究医疗保险中的道德风险对社会产生的负面影响，从中得出相应的解决方法对我国医疗保险的道德风险加以防范和控制，使医疗保险可以更好发挥其作用。关键词：医疗保险 道德风险 控制Moral hazard of medical insurance in China and its controlAbstract: Medical insurance in China is a social insurance system established by the state according to the law to make up for the economic losses caused by the illness of the insured social members. With the development of China's economy, the malpractice of medical insurance is gradually revealed. The medical insurance in China is not fully guaranteed to all the residents. The insurance density and insurance depth are relatively low. Most of the population in rural areas can not enjoy the medical insurance. There are loopholes in the medical insurance system, which can not prevent the erosion of the system by the doctors and patients and restrict the doctor-patient relationship The behavior of profit-making, these factors have caused the frequent occurrence of moral hazard events in the medical industry. Based on the main participants of medical insurance, this paper studies the moral hazard, the source of moral hazard and the occurrence of risk in the development of medical industry in ...