在现阶段，我国正在推行新的医疗保险制度，但是许多地方医疗保险制度改革还不完善，医生过度提供医疗服务，造成医疗费用不合理增长，医疗资源大量浪费。
因此，社会医疗保险中医方道德风险为医疗保险改革亟待解决的问题。医方道德风险不可能被彻底消除，但我们可以进行规避。以合理建立费用机制、引用健全的医方诱导约束机制、控制医疗费用增长作为相应对策对上述问题加以解决，从而建立一个健全、完善、有序的社会医疗保险体系。
关键词：医疗保险；医方道德风险；风险规避
Abstract
At this stage, China is implementing the new medical insurance system, but many parts of the medical insurance system reform is not perfect, doctors over the provision of medical services, medical expenses caused by unreasonable growth, massive waste of medical resources.Therefore, the social medical insurance for the Chinese side the risk of moral hazard of medical insurance reform issues requiring urgent solution.
Medical, moral hazard can not be completely eliminated, but we can avoid.To establish a reasonable mechanism for the use of sound medical side-induced restraint mechanism to control medical costs increase as the corresponding measures on these issues to be addressed, thus establishing a sound, sound and orderly social medical insurance
system.
Keywords：medical insurance; doctor moral hazard; risk circumvention
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