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保险的目的就是为了在保险的标的出现风险的时候,可以凭借多方利益主体来承担损失代替个人的风险承担,以达到减小损失的目的。但是由于道德危险的存在,却使得现实与保险目的往往事与愿违,本文主要分析我国的道德危险防御机制,并进而提出一些法律改进的意见和建议。从而更好的规制道德危险,保证保险的目的正常的实现,平衡保险合同的各方及厉害关系人的利益。
The purpose of insurance is to achieve the purpose of lessening the loss by replacing the individual’s risk with the multi-stakeholder when the risk of the subject matter of insurance appears. However, due to the existence of moral hazard, the reality and the purpose of insurance often make things in vain. This article mainly analyzes our country’s moral hazard defense mechanism, and then puts forward some suggestions and suggestions on legal improvement. So as to better regulate the moral hazard, ensure the normal realization of the purpose of insurance, balance the parties to the insurance contract and the interests of the powerful relations.