由于医疗保险制度的存在,医疗服务中医方和参保人为利益所驱,利用各自在信息上的优势不正当获取自身经济效益,导致医疗费用不合理增长,加重了国家、企业和个人的负担。社会医疗保险运作下的这种不正当谋取自身利益的方式造成了道德风险的存在,产生社会道德危机,社会诚信水平降低。本文主要探讨社会医疗保险道德风险产生的原因、表现形式及其规避措施。 Due to the existence of the medical insurance system, the Chinese medicine providers and the insured people of medical services are driven by the interests and their respective economic benefits are unfairly obtained by taking advantage of their respective advantages in information. As a result, unreasonable increases in medical expenses have aggravated the burden on the state, enterprises and individuals. This kind of improper exploitation of self-interest under the operation of social medical insurance has caused the existence of moral hazard, produced the social moral crisis and lowered the level of social honesty. This article mainly discusses the causes, manifestations and circumvention measures of moral hazard of social medical insurance.