公共管理论文--探析养老保险中的道德风险与规避87918（Public management papers -- Analysis of moral hazard and avoidance in endowment insurance 87918）.docVIP

公共管理论文--探析养老保险中的道德风险与规避87918（Public management papers -- Analysis of moral hazard and avoidance in endowment insurance 87918） Public Management -- Analysis of endowment insurance in the moral risk and avoid.Txt30 the beauty of life, never to show her ahead; as beautiful trees, is displayed in its negative potential to touch the sky in the vigor; as beautiful eagle, is displayed in its fight to fly the wind and the rain as God in the soul of the; like the beautiful rivers, is displayed in its roaring waves flowing torrent. Abstract: This article from the general theory of moral hazard, analysis of Chinas social endowment insurance in various forms and the harm caused by moral hazard moral risk insurance, and to induce social endowment insurance moral hazard reasons are discussed, on this basis, the specific aspects of the occurrence and development of endowment insurance moral hazard and puts forward some corresponding suggestions on preventing moral hazard. Key words: social endowment insurance; moral hazard; prevention I. moral hazard and manifestation in social endowment insurance Moral hazard is an important concept of micro economics, which refers to the risk of ignoring the risk or intentionally causing losses due to some incentives. In real life, peoples cognitive ability is limited, traders can not fully understand the complex environment. It is in this situation of asymmetric information that the traders who are in the information superiority are prone to moral hazard if they pursue their personal interests by unscrupulous means. This risk is difficult to grasp before the transaction, and thus can not be avoided, and thus may cause economic losses to one side. Different from the commercial life insurance, pension insurance object is non selective, risk insurers also have non selective and simple, as long as the workers meet the statutory conditions of the country, regardless of their physical condition, is the pension insurance object. In accordance with the