一、投保人道德风险的原因及其危害1.道德风险严重扰乱了保险功能的正常发挥,妨碍了市场资源的有效配置。保险本来是集结众人的力量对遭受特定保险事故损失的人以损害补偿,其目的是为了通过投保人出卖风险的不确定性来换取生活的安定和可预期,使买卖双方的风险承担均衡化,从而 First, the insured moral hazard causes and hazards 1. Moral hazard seriously disrupt the normal functioning of insurance, hindering the effective allocation of market resources. The purpose of the insurance is to build up the strength of all the people who suffer losses from a particular insurance accident so as to compensate them for damages. The purpose of the insurance is to compensate for the uncertainties in the betrayal of the insured risks in exchange for the stability and predictability of life, to equalize the risk appetite of buyers and sellers, thereby