Study On The Moral Hazard And Its Prevention And Control In China's Social Medical Insurance Fields

The social medical insurance system is a basic system of protecting citizens'personal healthy equities in our country. In our country, as a result of the development of social medical insurance system is still on the initial stage, safeguard ability is weak and more the leak of system. In addition, there is the particularity of the social medical service industry, caused the moral hazard problems serious. Formed the serious waste of medical resources and the rapid growth of medical expenses in our society.In recent years, with the reforms of China's medical insurance system and the improvement on requirements of medical service, the moral hazard exists in the field of social medical insurance caused wide public concern. This article is based on the factors of social group characteristics and the background of market of the transition period in China, through analyzing a series of complex problems of the moral hazard, such as the escalating DaChuFang, human medicine and variety of moral behaviors in the current social medical insurance system in China, expounding various reasons, to propose the prevention and control mechanism according to the moral hazard of current social medical insurance fields, the major are some suggestions on the attribution and innovation of the government responsibility.