文献类型：期刊文献

中文题名：嵌入于医疗保险制度框架内的道德风险与福利损失

英文题名：The Moral Hazard and Welfare Losses Embedded in the Framework of Medical Insurance System

作者：汪华[1]

机构：[1]华东理工大学社会学系,上海200237

年份：2012

卷号：27

期号：5

起止页码：86

中文期刊名：华东理工大学学报（社会科学版）

外文期刊名：Journal of East China University of Science and Technology：Social Science Edition

收录：;国家哲学社会科学学术期刊数据库;CSSCI:【CSSCI2012_2013】；

基金：上海市哲学社会科学规划项目(批准号:2007ESH001)阶段性成果;上海市重点学科建设项目资助(项目编号:B501)

语种：中文

中文关键词：医疗保险;道德风险;福利损失;医疗社会政策

外文关键词：medical insurance, moral hazard, welfare losses, medical social policy

摘要：作为严重侵蚀医疗保险总福利供给的道德风险,在本质上恰恰是嵌入于医疗保险制度框架内的一种机会主义行为。医疗保险领域道德风险的发生,既有着特定的经济社会条件,同时也与一定的制度结构有着高度的因果关联。广泛存在的道德风险不但导致医疗服务带来的边际收益远低于其边际成本,客观上也使得医疗保障面临严重的福利损失。
The moral hazard, as a serious erosion of the total welfare supply of medical insurance, in essence, is precisely a kind of opportunistic behavior embedded in the framework of medical insurance system. The occurrence of moral hazard in the medical insurance field has its specific economic and social conditions, and at the same time has a high degree of causal association with certain institutional structure.The widespread moral hazards not only lead to marginal revenue of medical services is much lower than its marginal cost, but also make the medical insurance face serious welfare losses objectively.