社会医疗保险中道德风险行为的法律规制

发布时间：2018-06-23 02:31

本文选题：社会医疗保险 + 道德风险　；参考：《长春工业大学》2014年硕士论文

【摘要】：目前,我国已实现社会医疗保险的全覆盖,随着全民医保的展开,社会医疗保险基金的安全保障直接关涉到社会医疗保险事业的可持续发展。然而,道德风险的存在严重威胁并损害着我国社会医疗保险基金的安全。尽管学术界从经济学、社会学、管理学等角度对社会医疗保险道德风险防范进行了孜孜探求,取得了丰硕成果,然而,现实中愈演愈烈的道德风险,严重侵蚀着社会医疗保险基金,急需探求运用法律手段对社会医疗保险中道德风险进行规制的路径。论文通过对社会医疗保险中道德风险溯源的分析,初步对社会医疗保险中的道德风险进行了界定,使得对此有了一定的了解与认识。而就其问题,主要对患方与医疗机构两大主体的道德风险中的行为表现从轻到重、从合法性到违法性这一过程进行描述与总结,关注、探讨我国在此问题上如何进行防范、如何进行法律规制的。而在对日本、德国、美国等发达国家对法律规制的经验总结与评价,给正处于社会保障改革关键时期的中国以十分重要的借鉴意义。最后,本文也试着以中国的发展模式与法律体系的现状来研究,对主体义务进行明确,进一步规定违反义务的法律责任,构建义务、权利与之严密的法律责任体系,使其更好的发挥作用,真正的良性实施社会医疗保险制度,惠益于人们。
[Abstract]:At present, the whole coverage of social medical insurance has been realized in our country. With the development of universal medical insurance, the safety and security of social medical insurance fund is directly related to the sustainable development of social medical insurance. However, the existence of moral hazard seriously threatens and damages the safety of social medical insurance fund in China. Although the academic circles have explored the moral hazard prevention of social medical insurance from the angles of economics, sociology, management and so on, they have made fruitful achievements, however, the moral hazard is becoming more and more serious in reality. Seriously eroding the social medical insurance fund, it is urgent to explore the way to regulate the moral hazard in social medical insurance by legal means. Based on the analysis of the origin of moral hazard in social medical insurance, this paper initially defines the moral hazard in social medical insurance, so that it has a certain understanding and understanding. In terms of its problems, it mainly describes and summarizes the process of the behavior of the two major subjects of moral hazard from light to heavy, from legality to illegality, and pays close attention to it, and discusses how to prevent this problem in our country. How to carry on the legal regulation. In Japan, Germany, the United States and other developed countries in the legal regulation of the experience of summing up and evaluation, is in the critical period of social security reform in China with a very important reference significance. Finally, this paper also tries to study the current situation of China's development model and legal system, make clear the obligation of the subject, further stipulate the legal responsibility of breach of obligation, construct the legal liability system of obligation, rights and its strict. Make it play a better role, the real benign implementation of social health insurance system, the benefits of people.
【学位授予单位】：长春工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.182.3;F842.684

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