一、道德风险的概念与特征1.概念保险在有效消化风险事故导致的不稳定因素的同时,也产生了负面作用:由于保险合同明确了保险人的经济保障义务,投保方会产生怠于履行维护标的安全义务的心理,任由风险的发生。更有甚者,恶意促使保险事故发生以谋取保险金。上述情形即道德风险的典 First, the concept and characteristics of moral hazard 1. Concept Insurance in the effective digestion of risks caused by instability factors, but also had a negative effect: As the insurance contract clearly the insurer’s economic security obligations, the insured party will produce lazy fulfillment Maintaining the psychological safety obligations, subject to the risk of occurrence. What is more, maliciously prompted an insurance accident to claim insurance. The above situation is a moral hazard code