内兄刚考下驾照,就买了辆二手车,开起来抑扬顿挫的挺吓人。我提醒他:“就你那二把刀技术,上路小心点儿!”他一脸不在乎,“没事儿,交强险、车损险什么的,我都上了,出了事儿也不怕。”上了保险就天不怕地不怕,用经济学术语说,这叫道德风险。有个学者叫斯蒂格里茨,是2001年诺贝尔经济学奖获得者。他在研究保险市场时,发现了一个经 Brother just test the driver’s license within the brother, bought a used car, opening up to melancholy quite scary. I remind him: “on your two knives technology, be careful! ” He does not care about his face, “nothing, to pay strong insurance, car damage insurance what, I have on the outspoken children are not afraid . ”On the insurance fearless, in economic terms, called moral hazard. A scholar called Stiglitz, winner of the 2001 Nobel Prize in Economics. When he studied the insurance market, he discovered a lesson