浅析保险活动中道德风险的成因及防范

分析保险活动中道德风险成因的基础，指出信息博弈、射幸性与传统价值观念的迷失以及代理制度固有的缺陷等是我国保险市场道德风险的产生及扩大化的原因所在。本文以实践需要为首要目标，阐述了通过增进不同主体利益趋同性，建立信息共享机制，健全保险中介制度；完善法律法规及保险合同中免责条款的内容，对射幸性、非等价性等负面作用进行有力制约，并对人身保险与财产保险区别对待等以切实、有效地防范道德风险的发生。

Analysis on Cause and Providence of Morale Hazard in Insurance Activities

This article analyses the cause of morale hazard in insurance activities, it points out that information game playing, aleatory, lack of traditional values and the deputy system are the causes and enlargement of Chinese insurance market's morale hazard. Hence, with the view of practice, it offers the writer's view of resolving the problem, such as by establishing the information sharing system and the intermediate system of insurance so that the different bodies can be promoted to share the same profits;by emending the related laws and the insurance clauses so that the passive part of aleatory and unequivalence can be controlled. In the last part, it points out the life insurance and property insurance should be treated with different ways so that we can guard against the moral hazard.