The biggest malpractice of advance deposit insurance system lies in the reversion choice and the moral risk, but the basic reason to these problems is lack of a reasonable tariff stipulation standard.
先行存款保险制度的最大弊端在于逆向选择和道德风险，而产生这些问题的根本原因在于没有一个合理的费率规定标准。
The biggest malpractice of advance deposit insurance system lies in the reversion choice and the moral risk, but the basic reason to these problems is lack of a reasonable tariff stipulation standard.
先行存款保险制度的最大弊端在于逆向选择和道德风险，而产生这些问题的根本原因在于没有一个合理的费率规定标准。
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