本文在分析投保人道德风险产生及其影响的基础上,利用委托代理理论探讨了解决投保人道德风险的基本方法,并将模型分析结果在实践中加以运用,同时结合我国保险市场的实际情况从制度建设的角度提出了解决投保人道德风险问题的建议。 Based on the analysis of the occurrence and influence of the insurer’s moral hazard, this paper explores the basic method to solve the moral hazard of the insured by using principal-agent theory, and applies the result of the model analysis in practice. At the same time, combining with the actual situation of the insurance market in our country, From the angle of system construction, we put forward some suggestions to solve the problem of moral hazard of policyholders.