Moral Hazard of Insurance Companies and Possible Solutions
ZENGZhaoyou(Southwestern University of Finance and Economy, Chengdu 610074, China)
There are some kinds of risks for insurance companies including those shifted by the insured and those from management, among which is moral hazard .The reasons of moral hazard occurred in reality are the following: the negative effects in our transformation period; the imperfect management institutions of insurance companies; the trust to luck and hidden actions of the insured and so on. Accordingly, some effective steps should be adopted such as building the socialist moral system, strengthening the laws and rules of insurance profession?furthering the credibility system and the check and administrative penalty for insurance companies?enhancing the coordinative ability of insurance professional unions for information share and training work?establishing inside control institutions of insurance companies to stop up all loopholes which make moral hazard be possible.
【CateGory Index】： F840