关键词: 委托—代理关系, 长期护理服务递送, 风险结构, 风险表现, 防范机制

Abstract: Long-term care service delivery includes three links: service access, disability assessment and service supply. During the process of long-term care service delivery, there exists a complex principal-agent relationship among the disabled elderly and their families, the government and the long-term care service providers. In this relationship, according to the occurrence time of information asymmetry, the risks of long-term care service delivery can be divided into adverse selection, moral hazard of hiding information and moral hazard of hiding action. These three types of risks show different forms at different links of the service delivery. In order to reduce the probability of risk occurrence, the risk prevention mechanism should include the three important dimensions: the institutional norms, the constraints and incentives, and the process control, and the risk prevention policies at each link should be optimized based on the domestic practice.

Key words: principal-agent relationship, long-term care service, risk structure, risk performance, prevention mechanism