存在道德风险的最优公共与商业医疗保险合同研究
The Study on Optimal Health Insurance Contracts with Moral Hazard
作者：陈华;
Author：
收稿日期： 年卷（期）页码：2010,(05):-102-107
期刊名称：四川大学学报(哲学社会科学版)
Journal Name：Journal of Sichuan University (Social Science Edition）
关键字：最优医疗保险合同;道德风险;医院等级
Key words：
基金项目：国家自然科学基金项目“新型农村合作医疗的筹资机制、保障水平与可持续发展——基于保险精算的研究”(70773123);;
教育部人文社会科学研究项目“我国新型农村合作医疗制度评估——基于保险精算的研究”(09YJC840007);;
对外经济贸易大学国家“211工程”重点学科建设项目“WTO与中国金融安全与风险防范”(73000010),对外经济贸易大学“企业风险管理”学术创新团队(“211工程”三期)的资助
中文摘要
针对我国医疗保险市场上居民在医院等级和医疗服务数量选择上的实际情况,研究同时存在基本医疗保险与商业医疗保险时,居民的最优医院等级选择、医疗服务数量选择问题以及可能存在的道德风险。通过假设利他主义的政府寻求最大化居民效用函数,并试图消除居民在医院等级和医疗服务数量选择上的道德风险,获得最优医疗保险合同。最后,就消除道德风险提出政策性建议。
参考文献
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