而我国目前的信用环境，法制环境是造成该风险的主要原因。
The credit environment and legal environment in our country at present are the main causes of the risks.
道德风险产生的原因是多方位的，有制度方面的，行为人自身的，法制环境及具体领域的规章制度等多方面。
The producing reasons of the moral hazard are from many ways. Such as social system, person of themselves, the environment of the law and the specific rule in the specific field.
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