亚洲危机后的第三代模型将研究视角转向微观层面，形成了道德风险模型和金融恐慌模型。

As for the third-generation models, two main views were developed, namely"moral hazard-driven crisis theory"and"financial panic-driven crisis theory".

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研究表明，博弈模型存在某种形式的精炼贝叶斯纳什均衡，而且道德风险的存在会使保险单价格上升。

The research shows that the game model has a perfect Bayesian Nash equilibrium and the existing of moral haz.

youdao

研究表明，博弈模型存在某种形式的精炼贝叶斯纳什均衡，而且道德风险的存在会使保险单价格上升。

The research shows that the game model has a perfect Bayesian Nash equilibrium and the existing of moral hazard elevates the price of insurance policy.

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