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如何识别道德风险,防范和化解渔船船东互保工作中的道德风险,是关系到互保业生存与发展的现实问题。本文拟就此谈几点粗浅认识,供大家商讨。1 道德风险的成因 所谓道德风险是指出于卑鄙动机,违反信义,人为故意制造危险事故的可能性。如被保险人故意沉船图谋赔款,投保人、被保险人、受益人骗取保险金等等。道德风险主体包括被保险人
How to identify moral hazard and prevent and resolve the moral risk in mutual insurance work of fishing boat owners is a realistic issue that concerns the existence and development of mutual insurance industry. This article intends to talk about a few superficial understanding, for your discussion. A moral risk of the so-called moral hazard refers to the out-of-the-line motives, in violation of righteousness, the intentional creation of dangerous accidents. If the intentional shipwreck by the insured to seek compensation, the insured, the insured, the beneficiaries defrauded insurance and so on. The main body of moral hazard includes the insured person