| There exists excessive dishonesty phenomenon in the medical service market in our country,such as overtreatment,cash extraction from the fund of social medical insurance,etc.It results in the security of social medical insurance system facing the threats in the actual operation level.The occurrence of this dishonest phenomenon has universality and diversity,and it can cause serious harm.The relevant influence factors behind the phenomenon are extremely complex.The excessive pursuit of utility is the fundamental motivation of the practice of dishonesty;the essence of the dishonesty phenomenon is a concrete manifestation of all kinds of factors leading to moral risk in social medical insurance.In face of the lack of honest credit status caused by the dishonesty chaos,how to effectively prevent and control moral hazard in medical service market is the key point to reverse the situation.Honest-credit is the unique treasure of the Chinese culture;it is the basis for the realization of trust.The research of this dissertation points out that the right way to effectively prevent and control moral hazard is to build a long-term honest credit mechanism of the prevention and control of moral hazard of social medical insurance,meanwhile constantly improve and optimize the social medical insurance system.The purpose of this dissertation is to research whether we can and how to use the social capital of honest credit in the construction of long term prevention and control mechanism of moral hazard of social medical insurance.In order to fix this core purpose,firstly,a few doubts raised by the core questions should be answered.First,what is the cause of the existence of dishonest chaos in the field of social medical insurance? The medical dishonesty phenomenon can lead to great harm to the social medical insurance.It is one of the most important basic works to research the cause of the dishonest phenomenon through analyzing its performance.Second,what factors influence the process of moral hazard? Moral hazard itself is a kind of risk.There is a world of difference between the existence of the risk and impact on the actual results.It is of great significance for the prevention and control of moral hazard to clarify the internal mechanism of the moral hazard from the hidden danger to the reality.Third,what is the nature and meaning of constant existence of information asymmetry phenomenon? The proper understanding of the concept of asymmetric information and moral hazard is the fundamental starting point for the prevention and control of moral hazard.Fourth,as a traditional concept of morality,whether or not honest credit can be turned into social capital and used for social governance? Honest credit is the treasure of Chinese traditional culture and the foundation of trust.In-depth analysis is needed in the aspects of the scientific nature and effectiveness of the construction of moral hazard prevention and control mechanism of social medical insurance by using honest credit as social capital.Fifth,is it necessary to build the Honest Credit System of Social Medical Insurance to prevent and control the moral hazard in medical service market?Continuous improvement and optimization of the social medical system is very important,which can inhibit the risk,but only rely on the work on system is not enough.Sixth,what kind of framework and content of Honest Credit System of Social Medical Insurance should be constructed? The construction of a system should be based on the relevant theoretical research;its structure and content should be systematic and scientific.Seventh,whether the Honest Credit System of Social Medical Insurance is effective in moral hazard preventing and controlling? The structure design of the social medical insurance honest credit system should not only meet the requirements of theoretical research,but also meet the needs of practical work.In order to answer the doubts above,massive research work is proceeded.The research of this dissertation point out that:The essence of existence of asymmetric information is the result of biological evolution.Its significance is to help high-level organism and make it easier when one go through life activities to meet various needs of a substantial increase in the efficiency of their own.The emergence and existence of moral hazard is irrelevant with morality which can only affect the occurrence of moral hazard.There is asymmetric information in almost all areas of constancy of human life.Its impact on the area should be studied from positive and negative aspects of a comprehensive understanding.In the economic field,asymmetric information can lead to non-zero game and promoting effective competition,forming a positive impact on a well-organized competition environment.Asymmetric information will lead to adverse selection,moral hazard and other negative effects,of which the moral hazard will make a legitimate income contract making parties suffered from unreasonable loss.Honest-credit is the unique resource of the Chinese culture.It is the basis for the realization of trust.Honest-credit can be used as a sort of social capital to help to improve the social governance.The Honest Credit System of Social Medical Insurance can play a major part in the moral hazard prevention and control.The design of Honest Credit System of Social Medical Insurance should meet not only the demand of theoretical requirements but also the practical needs.The research of this dissertation points out that the system should contain ten terms of foundation or mechanism:(1)the theoretical basis;(2)prevention and promotion mechanism;(3)the object of supervision;(4)evaluation index system;(5)incentivemechanism and punishment mechanism;(6)the credit information system and multi sectoral linkage mechanism;(7)the appeal mechanism and accountability mechanism;(8)social supervision mechanism;and(9)the exit mechanism.The details of the design please refer to chapter 7.2,and blueprint can be found in chapter 7.3. |
