| Under the trend of widely government purchase used in pension services,China’s grassroots government pension service capacity had a substantial increase,pension service quality have improved significantly,but at the same time,the government to buy endowment service also encountered many difficulties in the operation process,among them,the moral hazard problem will not only affect the quality of the government to buy endowment service,is not conducive to endowment service provision,will also bring to the government,social organizations,the old man other aspects of the social negative effects.Therefore,an in-depth study on this issue,devise methods,is to make the government to buy endowment service play better efficiency is important one link.Paper based on the principal-agent theory and the theory of moral hazard,quantitative methods,using the game theory and hierarchical analysis combining quantitative and qualitative,more in-depth analysis of the moral risks of government to buy endowment service.Paper first elaborates on the development of the government to buy endowment service,on this basis,describes the possibility of moral hazard.Then for the government to buy endowment service mechanism carries on the analysis of the moral risk,extend from commodity economy of the moral risk to the public service of moral hazard,and elaborates on the moral risk in the government buy endowment service performance,from the grassroots government,social organizations,the old level analysis of their behavior choice,using game theoryand hierarchical analysis method for quantitative analysis.In the final analysis the government to buy the cause of the moral hazard of endowment service and avoid administration method is put forward.After analysis found that the government to buy the moral hazard problem of endowment service is mainly due to the poor information transfer,contract management,purchasing power,weak competition,participate in the development of the subject degree is not high.Papers from six aspects to evade government purchase endowment service path of the moral risk,including: a sound legal system,improve the mechanism for the government to buy endowment service,perfect evaluation regulation mechanism,guide the participation main body health participation,increase credit assessment and investigation,using the "Internet+" information advantage to enhance information exchange method to solve the problem of the moral risks of government to buy endowment service. |
