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保险行业是我国新型的产业模式,在保险行业中,我国面临诸多的问题与挑战。近年来,道德风险一词出现在人们的视野中。所谓道德风险,是指从事经济活动的人在最大限度的增进自身效用的同时做出不利于他人的行动,或者当签约一方不完全承担风险后果时所采用的使自身效用最大化的自私行为。道德风险问题,成为制约我国保险行业发展的重要因素。
The insurance industry is a new type of industrial mode in our country. In the insurance industry, our country faces many problems and challenges. In recent years, the word moral hazard appears in people’s vision. The so-called moral hazard refers to those who engage in economic activities to maximize their own effectiveness at the same time make a detrimental to others, or when the signing party does not fully assume the consequences of risk used to maximize their selfish behavior. The problem of moral hazard has become an important factor restricting the development of China’s insurance industry.