• They have to contend with something called moral hazard, which is the risk that people will be affected by the fact that they're insured and do something bad.

    保险公司必须应对道德风险的问题,也就是说,有些人可能会因为购买了保险,而动了歪念来骗取保费

    耶鲁公开课 - 金融市场课程节选

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