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
trying to help get your house in order.
帮你把家里安排得井井有条。
Savings and Loans are the same as Building Societies, but the idea--the original idea and also the general idea today -is that these are banks set up for small savers in order that they can buy a house.
储贷协会和建房互助协会是一回事,其初衷以及现在的一般理念是,这些银行的建立是为了,让小额储蓄者买得起房子
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