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首页> 外文期刊>The journal of risk and insurance >A History of the Term 'Moral Hazard'
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A History of the Term 'Moral Hazard'

机译：“道德风险”一词的历史

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摘要

The term "moral hazard" when interpreted literally has a strong rhetorical tone, which has been used by stakeholders to influence public attitudes to insurance. In contrast, economists have treated moral hazard as an idiom that has little, if anything, to do with morality. This article traces the genesis of moral hazard, by identifying salient changes in economic thought, which are identified within the medieval theological and probability literatures. The focus then shifts to compare and contrast the predominantly, normative conception of moral hazard found within the insurance-industry literature with the largely positive interpretations found within the economic literature.
机译：从字面上解释，“道德风险”一词具有强烈的修辞基调，已被利益相关者用来影响公众对保险的态度。相反，经济学家将道德风险视为一种习俗，与道德几乎没有关系。本文通过确定经济思想的显着变化来追溯道德风险的起源，这些变化在中世纪的神学和概率文学中就已确定。然后，焦点转移到比较和对比保险业文献中发现的主要的道德风险概念与经济文献中发现的主要正面解释。

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  • 来源
    《The journal of risk and insurance》 |2012年第4期|1051-1075|共25页
  • 作者

    David Rowell; Luke B. Connelly;

  • 作者单位

    Australian Centre for Economic Research on Health (ACERH UQ), School of Economics, The University of Queensland, Australia;

    Australian Centre for Economic Research on Health (ACERH UQ), National Research on Disability and Rehabilitation Medicine (CONROD);

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