摘要
道德风险一直是困扰国内外保险业的一个难题,我国社会医疗保险领域中的道德风险尤为突出。保险机构、参保人、医疗机构、政府、参保单位几者之间由于信息不对称以及参保人、医疗机构、参保单位各自追求自身利润最大化促使了道德风险的产生。道德风险的防范不能只靠单方面的努力,需要多方共同防范。
Moral risk is a problem for insurance business all the time, especially in social medical＇ insurance in our country. It is produced because of unbalance information in insurance agency, beneficiary, medical agency, government and organization, also because of the beneficiary, medical agency and organization pursuing maximum profit for itself. The different aspects should collaborate with each other to prevent moral risk.
出处
《中国卫生质量管理》
2009年第5期105-107,共3页
Chinese Health Quality Management
关键词
医疗保险
道德风险
防范策略
Medical Insurance
Moral Risk
Preventive Strategy
