立足于道德危险的事先防范，应摒弃人身保险的利益理论，代之以具有确定性与可操作性的同意原则。

Based on the previous prevention of moral hazard, we should dissert the theory of personal insurance interests, and take the principle of consent which is definite and operational instead.

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危险与可操作性分析是分析系统可靠性的一种有效方法，在流程工业中被广泛应用。

HAZOP (Hazard and Operability Analysis) is one of the useful methods to analyze the reliability of the system. It is widely used in the process industries.

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