公共管理论文--探析养老保险中的道德风险与规避88027（Public management papers -- Analysis of moral hazard and avoidance in endowment insurance 88027）.docVIP

公共管理论文--探析养老保险中的道德风险与规避88027（Public management papers -- Analysis of moral hazard and avoidance in endowment insurance 88027） Public management papers -- Analysis of moral hazard and avoidance of.Txt in endowment insurance 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 law, the state must provide old-age insurance for the insured, and provide only basic old-age insurance without other risk factors. Therefore, the form of moral hazard in old-age insurance is very different from commercial life insurance, and the form of expression is relatively simple, without commerci