道德因素是医疗保险中一种制度外的管理元素,可以有效降低管理中的风险。道德因素在医疗保险风险管理中的功能主要有填补管理制度的空白点和弥补信息不对称缺陷两方面。在医疗保险的风险管理中,道德因素可以通过建立工作人员信用制度,把伦理引入信息体系中而得到有效运用,最大限度地降低医疗保险的管理风险。 Morality is a kind of management element outside medical insurance, which can effectively reduce the risk in management. The main function of moral factors in the medical insurance risk management is to fill in the blanks of the management system and to make up for the lack of information asymmetry. In the risk management of medical insurance, the moral factor can be effectively used by establishing credit system of staff, introducing ethics into the information system and minimizing the management risk of medical insurance.