社会保险中的道德风险及其遏制

道德风险来自人的机会主义倾向，是给他人和社会带来不利后果的人为风险。道德风险在社会保险领域发生的频率最高、分布最广、造成损失最大、防范难度也最高。被保险人试图利用自己掌握的信息优势，在追求自身效益最大化的同时做出损害保险人利益的行为。道德风险在社会保险的所有项目上都存在相应的表现及危害。针对社会保险中道德风险产生的原因，应从完善社会保险立法、增强查处力度、设计约束与激励并重的机制、建立信息对称机制及诚信自律机制等方面遏制社会保险的道德风险。

Moral hazard in social insurance and keep within limits

Moral hazard comes from people＇s opportunism inclination, is to bring artificial disadvantageous consequence risk to artificial disadvantageous consequence risk others and society. Moral hazard frequency buying insurance the field happens in social in- surance is high , scatter most bring about the loss maximum , keep watch degree of difficulty broadly most, also maximal. The assured tries to make use of the information advantage that self grasps, before the behavior running after the at the same time that oneself beneficial result maximizes doing out the benefit damaging an assurer. Existence is all corresponding on all moral hazard projects in social insurance behaviour and damage. Specifically for the cause that moral hazard produces in social insurance,respond to the moral hazard keeping social insurance within limits from aspect such as perfect social.