In other words, lower the amount insured below the actual value of the house to prevent moral hazard.
换句话说,将房屋的保险价值低估于其实际价值,以此来防范道德风险。
They have been working on improving their methods and they're trying to create divisions within their organizations that prevent the moral hazard from happening.
他们已经对技术进行改进,并且他们正尝试,在机构中划分部门,以便防范道德风险的发生
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