Gomez explains that many Latino immigrant families see mental illness as a moral failure, a problem to be hidden.

VOA: standard.2010.07.22

This is an interesting question: do they solve the moral hazard and adverse selection problem as well as banks do?

一个有意思的问题出现了,他们可以向银行那样,处理好道德风险以及逆向选择问题吗

耶鲁公开课 - 金融市场课程节选

It does create moral hazard problems-- that's a problem with it, but that's something that we're learning about.

这会引发道德风险问题-,这是弊端所在，但这也正是我们要学习研究的。

耶鲁公开课 - 金融市场课程节选

These are efforts to solve the moral hazard problem and to manage risks.

这些都是为了解决道德风险问题,和进行风险管理。

耶鲁公开课 - 金融市场课程节选

The classic moral hazard problem is the problem that you give fire insurance on a house and someone burns down the house in order to collect the insurance.

有个经典的道德风险的例子就是,给一栋房子投保了火险,有人就可能会烧了这栋房子,以获得保险赔付

耶鲁公开课 - 金融市场课程节选

We have to then realize that there is a moral hazard problem.

我们还必须意识到,这里面存在着道德风险。

耶鲁公开课 - 金融市场课程节选

He was dealing also with the moral hazard and adverse selection problem.

他当时也视图解决道德风险,以及逆向选择的问题

耶鲁公开课 - 金融市场课程节选

.. It's not going to work, we're not going to enjoy-- something's wrong with that because it's going to create a moral hazard problem and we're not going to be as productive.

那样行不通，我们没法-,那样会产生麻烦,会产生道德风险,生产力也会下降。

耶鲁公开课 - 金融市场课程节选

But, the problem they hit is moral hazard.

但他们遭遇了道德风险这一窘境。

耶鲁公开课 - 金融市场课程节选

I wanted to mention in this context, because I'm emphasizing how banks help solve the adverse selection and moral hazard problem -I wanted to mention briefly here also the rating agencies, which fulfill some of these functions.

我早就想在这段内容里讲讲这事了,因为我一直强调,银行是如何帮助解决逆向选择,以及道德风险问题的...,我还一直想在这里简要的提下,本应履行这些职能的那些信用评级机构

耶鲁公开课 - 金融市场课程节选