当契约的一方在契约签订以后能够采取某种行动影响结果,但在无法验证是否采取了这种行动时,就会产生道德风险。根据保险事故发生的时间可以将道德风险分为事前道德风险和事后道德风险。事前道德风险是在保险事故发生之前,投保人由于保险合同的成立,而减少进行自保的积极性,对保险标的的危险状况持放任的态度而使损失发生的概率增大的行为。事后道德风险是在保险事故发生之 When one of the parties to a contract can take some action to influence the outcome after the contract is signed, there is a moral hazard when it can not be verified whether or not such action has been taken. According to the time of occurrence of insurance accident, moral hazard can be divided into ex ante moral hazard and ex post moral hazard. The ex ante moral hazard is the act of increasing the probability of loss when the insured person reduces the enthusiasm for self-preservation due to the establishment of the insurance contract before the insured incident and holds the attitude toward the dangerous situation of the insured subject. Moral hazard is the result of an insurance accident