医疗保险市场中道德风险分析及其防范措施

目的探讨有效控制医疗保险领域的道德风险的方法与途径。方法从经济学的角度分析医疗保险市场中道德风险的现状成因，分别得出在医疗保险市场和医疗市场遏制道德风险的措施。结论通过对患者的监督与激励，建立起信息系统和信用账户制度，解决信息不对称问题，调整支付制度和实行医药分家，从根本上消除道德风险，控制医疗费用的不合理上涨。

Analysis and Preventive Measures on Moral Hazard in Medical Insurance Market

Objective The purpose of this paper is to exploit effective methods of keeping moral hazard under control in medical insurance market. Methods Through analyzing the current situation and reasons of moral hazard in terms of economics, The paper works out concrete measures in order to check moral hazard in both medical market and insurance market. Conclusion We should supervise and encourage the patients. Establish information system and reputation mechanism of market so as to settle the information asymmetry problem. Adjust payment system and separate medicine from hospital, eventually unreasonable rise of medical expenses can be kept under control.