道德风险与经济发展

The Moral Hazard and Economic Development

道德风险是一种机会主义行为。它的存在与人的机会主义倾向、社会经济变迁、制度缺陷有关。道德风险阻碍了社会分工、专业化的发展和市场范围的扩大 ,阻碍了企业组织从传统形式向现代形式的演变。因此我们必须有效发挥伦理道德的秩序化功能 ;充分发挥法律制度的硬性约束作用 ;充分发挥经济杠杆的抑制作用 ;

How to restrain the moral hazard in the development of economy and advance the development of economy, has become a question that many economists concern together in today's world. This paper discusses the question from the definition, the cause,the harm and the manipulative way of the moral hazard.