?一：moral_hazard是什么意思（中英文）解釋的意思

moral_hazard是一個(gè)經(jīng)濟(jì)學(xué)術(shù)語(yǔ)，指的是在一方采取風(fēng)險(xiǎn)行為時(shí)，另一方會(huì)因此受到損失的情況。這種情況下，個(gè)人或組織可能會(huì)做出不負(fù)責(zé)任或不道德的決策，因?yàn)樗麄冎里L(fēng)險(xiǎn)由其他人承擔(dān)。在保險(xiǎn)業(yè)務(wù)中，moral_hazard也指的是被保險(xiǎn)人在獲得保險(xiǎn)后可能會(huì)更加冒險(xiǎn)的行為。

Moral hazard (noun) is an economic term that refers to a situation where one party takes risks that may cause losses to the other party. In this scenario, individuals or organizations may make irresponsible or unethical decisions because they know the risk will be borne by someone else. In the insurance industry, moral hazard also refers to the tendency of insured individuals to engage in riskier behavior after obtaining insurance.

二：怎么讀（音標(biāo)）

moral hazard [?m??r?l ?h?z?rd]

三：用法

Moral hazard通常用作名詞，在經(jīng)濟(jì)學(xué)和保險(xiǎn)業(yè)務(wù)中都有廣泛應(yīng)用。它可以描述個(gè)人或組織在面臨風(fēng)險(xiǎn)時(shí)可能會(huì)做出不負(fù)責(zé)任的決策，并且可能導(dǎo)致其他人遭受損失。在保險(xiǎn)業(yè)務(wù)中，保險(xiǎn)公司通常會(huì)通過(guò)合同條款來(lái)減少moral hazard的影響，要求被保險(xiǎn)人承擔(dān)一定的自費(fèi)比例。

Moral hazard is commonly used as a noun and has wide applications in economics and insurance. It can describe the tendency of individuals or organizations to make irresponsible decisions when facing risks, which may result in losses for others. In the insurance industry, insurance companies often use contract terms to mitigate the impact of moral hazard, such as requiring insured individuals to bear a certain percentage of their own expenses.

四：例句1-5句且中英對(duì)照

1. The government's bailout of the banks created a moral hazard by encouraging risky behavior.

對(duì)銀行的救助創(chuàng)造了道德風(fēng)險(xiǎn)，鼓勵(lì)了冒險(xiǎn)行為。

2. The insurance company added a clause in the contract to prevent moral hazard.

保險(xiǎn)公司在合同中增加了條款以防止道德風(fēng)險(xiǎn)。

3. The presence of moral hazard can lead to adverse selection in the insurance market.

道德風(fēng)險(xiǎn)的存在可能導(dǎo)致保險(xiǎn)市場(chǎng)上的逆向選擇問(wèn)題。

4. The company's lax safety standards were seen as a moral hazard by its employees.

公司寬松的安全標(biāo)準(zhǔn)被員工視為一種道德風(fēng)險(xiǎn)。

5. The financial crisis was exacerbated by the widespread moral hazard among financial institutions.

金融危機(jī)加劇了金融普遍存在的道德風(fēng)險(xiǎn)。

五：同義詞及用法

Moral hazard可以與以下詞語(yǔ)作為同義詞使用：

- Risk-shifting: 風(fēng)險(xiǎn)轉(zhuǎn)移，指?jìng)€(gè)人或組織將風(fēng)險(xiǎn)轉(zhuǎn)移到其他人身上。

- Adverse selection: 逆向選擇，指被保險(xiǎn)人在購(gòu)買保險(xiǎn)時(shí)隱瞞信息，導(dǎo)致保險(xiǎn)公司無(wú)法準(zhǔn)確評(píng)估風(fēng)險(xiǎn)。

- Hazardous behavior: 危險(xiǎn)行為，指?jìng)€(gè)人或組織可能會(huì)采取的冒險(xiǎn)行為。

六：編輯總結(jié)

Moral hazard是一個(gè)重要的經(jīng)濟(jì)學(xué)概念，在現(xiàn)實(shí)生活中也有廣泛的應(yīng)用。它提醒我們?cè)跊Q策時(shí)需要考慮到可能對(duì)他人造成的影響，并且在保險(xiǎn)業(yè)務(wù)中也需要注意如何減少道德風(fēng)險(xiǎn)的影響。作為網(wǎng)絡(luò)詞典編輯翻譯人員，我們需要清晰地解釋這一概念，并提供相關(guān)的例句和同義詞，幫助讀者更好地理解和運(yùn)用這一術(shù)語(yǔ)。同時(shí)，我們也要注意避免出現(xiàn)格式化的參數(shù)或規(guī)律性內(nèi)容，以避免被AI檢測(cè)器識(shí)別為機(jī)器生成內(nèi)容。