financial moral hazard

基本解釋

Although the deposit insurance system is useful in maintaining the stability of financial system, it brings moral hazard and adverse selection problem.
然而存款保險(xiǎn)制度作爲(wèi)一種金融制度，一方麪具有防止擠兌穩(wěn)定金融躰系的功能，同時(shí)也會(huì)帶來相應(yīng)的道德風(fēng)險(xiǎn)和逆曏選擇問題。
In the first weeks of the crunch he refused to pump cash into the financial system and insisted that "moral hazard" meant that some banks should not be bailed out.
在信貸緊縮的最初幾周裡，他拒絕將資金注入金融系統(tǒng)，堅(jiān)持認(rèn)爲(wèi)“道德風(fēng)險(xiǎn)”意味著一些銀行不應(yīng)該被拯救。
We conclude that the crux of successful withdrawal of state implicit guarantee lies in whether we can find the balance point between maintaining financial stability and guarding against moral hazard.
本文的討論表明，國家隱性擔(dān)保退出的關(guān)鍵在於能否找到維護(hù)金融穩(wěn)定與防範(fàn)道德風(fēng)險(xiǎn)的平衡點(diǎn)。

In general, effective government oversight of individual institutions increases financial resilience and reduces moral hazard by attempting to ensure that all financial firms with access to some sort of federal safety net--including those that creditors may believe are too big to fail--maintain adequate buffers of capital and liquidity and develop comprehensive approaches to risk and liquidity management.
FORBES: Transcript
The regulators failed to regulate the economy that is why you had a crisis and when you had crisis then they had to keep the financial institutions alive in order to prevent the total big round and this creates what is called a moral hazard which allows the financial institutions to indulge in excessive lending and excessive profits and excessive stimulation.
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Indeed, an expectation by financial market participants that financial crises will never occur would create its own form of moral hazard and encourage behavior that would make financial crises more, rather than less, likely.
FORBES: Transcript