摘要
医疗机构中存在的道德风险一直困扰并制约着商业医疗保险的健康发展,如何控制这一道德风险已成为当前发展我国商业医疗保险的关键。本文通过建立经济学模型,阐述了保险公司对医疗机构道德风险的约束机制,进而从监督审查机制和激励机制两个方面,提出了建立我国商业医疗保险医疗机构道德风险控制机制的途径。
The moral hazard of medical establishment is a perplexing factor that hampers the healthy development of commercial medical insurance, and how to control this moral hazard has become a key point to the development of commercial medical insurance in China today. This paper analyzed the control mechanism of insurance companies aiming at medical establishments＇ moral hazard with an economics model, and then put forward the countermeasures of establishing the control mechanism mentioned above from the perspective of supervisory mechanism and incentive mechanism.
出处
《保险研究》
CSSCI
北大核心
2008年第8期46-48,共3页
Insurance Studies
关键词
商业医疗保险
医疗机构
道德风险
commercial medical insurance
medical establishment
moral hazard
