一：moral_hazard是什么意思（中英文）解释的意思
moral_hazard是一个经济学术语，指的是在一方采取风险行为时，另一方会因此受到损失的情况。这种情况下，个人或组织可能会做出不负责任或不道德的决策，因为他们知道风险由其他人承担。在保险业务中，moral_hazard也指的是被保险人在获得保险后可能会更加冒险的行为。
Moral hazard (noun) is an economic term that refers to a situation where one party takes risks that may cause losses to the other party. In this scenario, individuals or organizations may make irresponsible or unethical decisions because they know the risk will be borne by someone else. In the insurance industry, moral hazard also refers to the tendency of insured individuals to engage in riskier behavior after obtaining insurance.
二：怎么读（音标）
moral hazard [ˈmɔːrəl ˈhæzərd]
三：用法
Moral hazard通常用作名词，在经济学和保险业务中都有广泛应用。它可以描述个人或组织在面临风险时可能会做出不负责任的决策，并且可能导致其他人遭受损失。在保险业务中，保险公司通常会通过合同条款来减少moral hazard的影响，要求被保险人承担一定的自费比例。
Moral hazard is commonly used as a noun and has wide applications in economics and insurance. It can describe the tendency of individuals or organizations to make irresponsible decisions when facing risks, which may result in losses for others. In the insurance industry, insurance companies often use contract terms to mitigate the impact of moral hazard, such as requiring insured individuals to bear a certain percentage of their own expenses.
四：例句1-5句且中英对照
1. The government's bailout of the banks created a moral hazard by encouraging risky behavior.
对银行的救助创造了道德风险，鼓励了冒险行为。
2. The insurance company added a clause in the contract to prevent moral hazard.
保险公司在合同中增加了条款以防止道德风险。
3. The presence of moral hazard can lead to adverse selection in the insurance market.
道德风险的存在可能导致保险市场上的逆向选择问题。
4. The company's lax safety standards were seen as a moral hazard by its employees.
公司宽松的安全标准被员工视为一种道德风险。
5. The financial crisis was exacerbated by the widespread moral hazard among financial institutions.
金融危机加剧了金融普遍存在的道德风险。
五：同义词及用法
Moral hazard可以与以下词语作为同义词使用：
- Risk-shifting: 风险转移，指个人或组织将风险转移到其他人身上。
- Adverse selection: 逆向选择，指被保险人在购买保险时隐瞒信息，导致保险公司无法准确评估风险。
- Hazardous behavior: 危险行为，指个人或组织可能会采取的冒险行为。
六：编辑总结
Moral hazard是一个重要的经济学概念，在现实生活中也有广泛的应用。它提醒我们在决策时需要考虑到可能对他人造成的影响，并且在保险业务中也需要注意如何减少道德风险的影响。作为网络词典编辑翻译人员，我们需要清晰地解释这一概念，并提供相关的例句和同义词，帮助读者更好地理解和运用这一术语。同时，我们也要注意避免出现格式化的参数或规律性内容，以避免被AI检测器识别为机器生成内容。