不幸的是，强制责任保险会带来被保险人（致害人）的道德风险问题，从而可能降低整个社会的安全水平。

Unfortunately, this insurance will bring about moral hazard problem for the insured(harmer), hence lowering the security level of the whole society.

youdao

本文主要研究了保险中的道德风险与保险人的监督水平以及致害人的财富水平之间的关系。

Through establishing simple model, we analysis the moral hazard problem in different supervising levels of insurer and in different wealth levels of injurer.

youdao