Finance and Management - номер 2 за 2020 год
Finance and Management
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MAIN PAGE > Journal "Finance and Management" > Contents of Issue № 02/2020
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Учредитель: Даниленко Василий Иванович,
Главный редактор: Болтинова Ольга Викторовна, Doctor of Law,
Contents of Issue № 02/2020
Question at hand
Li W., Song Y. - Managing moral risks in medical insurance from the perspective of development of medical informatization pp. 1-11


Abstract: The subject of this research is the methods of managing moral risks from the perspective of development of medical informatization, which allows maintain efficiency of medical insurance and lowering medical expenses. The authors meticulously examine the problem of growing medical expenses in China, concept of moral risk in medical insurance, as well as causes for emergence of moral risk in medical insurance. Analysis is conducted on the history of development of medical informatization and functionality of information system of medical insurance in China. The question as raised on application of general information system of gathering vast amounts of intersecting data in medical insurance. The article employs method of scientific cognition of theoretical and empirical levels. The theoretical base for this research is comprised of works of Chinese and foreign scholars on the issues of moral risks in medical insurance. The scientific novelty consists in development of a moral risk management model in medical insurance on the background of informatization of medical service. A conclusion is made that moral risks in medical insurance are tightly connected with the asymmetry of information in subjects of insuring. Medical informatization became a very important means for moral risk management in medical insurance and has great prospects for increasing efficiency of the work of medical facilities.
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