道德风险主要是保险对投保人产生了影响，由于投保人采取防损减损措施需要成本，
而购买保险使他失去了这种积极性，即影响投保人的防损动机和减损动机。表现为疏于风险防范，导致保险事故发生概率加大或损失程度加重；投保人在保险标的受损时不采取减轻损失的有效措施，故意扩大损失程度等。对保险人而言，逆选择和道德风险问题的存在，使保险市场的总体风险不仅没有通过保险进行分散，反而将高风险的个体集中起来，破坏了保险市场均衡并导致市场低效率道德风险是现代经济社会中的普遍存在的现象，它造成了社会资源的大量浪费和资源配置低效率。在对诱发保险道德风险的原因进行探讨的基础上，针对保险领域道德风险的具体发生发展环节，就道德风险的规避提出了相应的对策思考。
关键词：保险业；道德风险；保险市场
Abstract
Moral hazard is mainly an impact on the insurance on the insured, because the insured impairment loss prevention measures need to take the cost of an insurance policy that he lost this enthusiasm to influence the motivation of the insured against loss and impairment motivation. For the negligent performance of risk prevention, leading to increased probability of insured accident or losses increase; insured damage in the insurance when the subject does not take effective measures to reduce losses and deliberately expanded the extent of the loss. On insurers, adverse selection and moral hazard problem and the overall risk to the insurance market is not only not be distributed through insurance, but the high-risk individuals together, undermine the insurance market equilibrium and lead to market inefficiencies of moral hazard is modern economy and society in a common phenomenon, which resulted in substantial waste of public resources and low efficiency of resource allocation. In the insurance-induced moral hazard of the reasons why, based on moral hazard for the insurance sector the development of specific areas, to avoid moral hazard on the corresponding countermeasures propos、
Keywords: Insurance; moral hazard; insurance market
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