论医疗责任保险——从法律经济学的角度切入

医疗责任保险是从国外引入的一种制度，目的之初在于，将医师的过错责任诱发的巨大风险社会化，以期医师安心于治理病患，而病患通过保险获得相应的保险费用保障自身的权益，缓和较为尖锐的医患关系和社会矛盾。但医疗责任保险发展的现实情况却是极其不理想的，学界对于医疗责任改革已有基本共识，具体设计上却甚少有人提出更为细致的建议。可以从法律经济学这个分析的全新视角，借助成本效益、纳什均衡、博弈的思维进路，以期为医疗责任保险制度的设计另辟蹊径。

On Medical Malpractice Insurance-From the Perspective of Legal Economics

Medical malpractice insurance is a system introduced from foreign countries, the purpose of which is to make the risk of malpractice liability of doctors socialized so that doctors can take good care of the patients while the patients can protect their rights by getting insurance premium. As a result the intense relationship between doctors and patients can be lessened. However, the current development of medical malpractice insurance is not ideal. The academic circle has reached a consensus as to the reform of malpractice insurance, but few people have talked about the concrete design. This article tries to find a new way to improve the design of malpractice insurance from the perspective of legal economics and by means of cost effectiveness, nash equilibrium and game theory.