道德风险因素是指与人的品德有关的无形的因素，即是指由于个人不诚实、不正直或不轨企图，促使风险事故发生，以致引起社会财富损毁和人身伤亡的原因和条件。如有人对社会或他人心怀不满，故而蓄意进行破坏活动，比如，纵火、抢劫、欺诈，造成社会财产或他人财产及生命蒙受损失。
本文以风险管理为理论基础，从道德风险因素对风险可保性的影响入手，对保险市场中道德风险的形成原因、产生条件和表现形式进行了深入分析。
Based on the theory of risk management, starting with the influence of moral hazard on the insurability of risk, the paper studies deeply in the reasons, preconditions and the types of moral hazard.
这种行为被称为道德风险实际上，保险不能保障所有的风险，而且对某一特定风险的保险取决于很多因素。
This behavior is termed moral hazard. In practice, not all risks can be insured, and the insurability of a given risk depends on a number of factors.
介绍了委托-代理机制的一般概念； 分析了委托-代理机制的道德风险影响因素；
The general concept of entrustment agency mechanism was introduced and the morals risk effect factors of entrustment agency mechanism were analyzed.
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