Moral Hazard的音标：
/ˈmɔːrəl ˈhæzəd/

意思：
“Moral hazard”指的是在金融、保险或其他领域中，一方由于担心损失会被另一方承担，而表现出冒险或不负责任的行为。例如，借款人可能因为知道贷款可以免除其责任而冒险。

翻译：
道德风险（指由于一方的行为改变了另一方的风险承担方式，导致不负责任的行为或过度冒险）

读音：

moral /ˈmɔːrəl/

hazard /ˈhæzəd/

用法：

金融学：借款人或公司因没有完全承担风险而进行过度借贷或投资。

保险学：投保人因知道保险公司会承受其损失，从而采取更加危险的行为。

例句：

The concept of moral hazard is critical in understanding how insurance can sometimes lead to risky behavior.

If people know that the government will bail them out, they may take more financial risks, creating a moral hazard.

The bank’s decision to lend to high-risk individuals creates a moral hazard in the housing market.

Insuring people against car accidents can lead to moral hazard if they start driving recklessly.

The government’s bailout during the financial crisis created a moral hazard for banks.

Companies may engage in risky practices if they believe they will be protected from the consequences by their insurance.

Policymakers worry that too much regulation might inadvertently increase moral hazard.

Moral hazard occurs when the insured party takes on more risk than they would if they were responsible for the full consequences.

In the healthcare system, moral hazard can arise when people overuse services because they do not directly bear the costs.

The lack of proper accountability mechanisms can lead to moral hazard in corporate governance.

短语搭配：

Moral hazard risk

Moral hazard problem

Prevent moral hazard

Moral hazard issue

Mitigate moral hazard