但是存款保险也是一柄“双刃剑”，也有其负面效应，如道德风险、逆向选择等。
But deposit insurance is also a double-edged sword, which has its own negative effect, such as moral risk, converse choice, and etc.
为防止道德风险而给少数违法分子以严厉教训，如任由银行破产，而要求所有人承担代价，无疑荒谬。
Teaching a few offenders a lesson in order to prevent moral hazard—by letting banks fail, say—is idiotic if the costs are imposed on everyone.
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