试论保险道德危险及其防范卢海根一、保险道德危险及其特征所谓保险道德危险，简单地说，即是指被保险人或受益人为了谋取保险赔款而故意促使被保险危险的发生，或在保险标的危险发生时加重其后果的种种行为。它是由于个人的不诚实或不正直的行为或企图所致的危险，其结果是造 On the dangers of insurance morality and prevention Lu Haigan First, the moral hazard of insurance and its characteristics The so-called insurance moral hazard, simply put, refers to the insured person or beneficiary in order to obtain insurance claims deliberately promote the occurrence of the insured risk, or in The various acts that aggravate the consequences of the danger of the subject matter of insurance. It is due to personal dishonest or unjust behavior or the dangers caused by the attempt, the result is made