金融安全事关经济发展、社会稳定和国家安全大局，风险问题已对金融安全构成了严重威胁，道德风险更成为当前金融业普遍面临的严峻问题。如何有效防范和化解道德风险，为金融业务的健康发展提供良好的运行环境，是金融机构迫切需要解决的现实问题。一、邮政金融道德风险的特点 Financial security is related to the overall economic development, social stability and overall national security. The risk issue has posed a serious threat to the financial security and the moral hazard has become a serious problem generally faced by the financial industry. How to effectively prevent and resolve moral hazard and provide a sound operating environment for the healthy development of financial business is a real issue that financial institutions urgently need to solve. First, postal financial moral hazard characteristics