导致医保基金存量减少的原因可以分为两类,一类由客观原因导致,并且难以避免,另一类是人为因素造成的恶意挤占医保基金的行为。针对后一种情况,从经济学角度,首先运用产权理论的观点来分析制度本身的缺陷,再通过建立两个博弈模型来分析当事人投机心理的形成过程,并提出相应解决措施。 The reasons leading to the decrease of the stock of medical insurance funds can be divided into two categories, one is caused by objective reasons and difficult to avoid, and the other is the malicious occupation of medical insurance funds by human factors. In view of the latter situation, from the economic point of view, first of all, using the theory of property rights to analyze the defects of the system itself, and then through the establishment of two game models to analyze the party’s speculative psychology formation process and put forward corresponding solutions.