The Study Of Moral Hazard In The New Rural Cooperative Medical Insurance

The moral risk is an unavoidable problem existing in the new rural cooperative medical insurance, It has wasted the rural medical resources excessively, The moral hazard also twists the relationship between doctors and patients and caused serious damage to the reputation of the designated medical institutions and doctors. In brief, The moral hazard's existing has seriously influenced sustainable development of the our rural cooperative medical insurance, Therefore, it is very important to research the new rural cooperative moral hazard of medical insurance.This article uses rural areas of henna province as an example, According to field research and interviews. Our research began from manifestation and social consequences of the new rural cooperative medical insurance of moral hazard, made the reason analysis on the peasantry of participate in the new rural cooperative medical insurance, the designated medical institutions. this article analyzes the relationship among the third-party the peasantry of participate in the new rural cooperative medical insurance, the designated medical institutions, the medical service demanders of new rural cooperative medical insurance based on the theory of Game Theory. Finally, we bring forward some measures to shun moral hazard. We hope that these measures can effectively control moral hazard in the new rural cooperative medical insurance.