moral hazard

Английский Язык - Турецкий язык

Определение moral hazard в Английский Язык Турецкий язык словарь

ahlaki tehlike

(Ticaret) manevi zarar

Английский Язык - Английский Язык

Определение moral hazard в Английский Язык Английский Язык словарь

The prospect that a party insulated from risk may behave differently from the way it would behave if it were fully exposed to the risk

A risk to an insurance company resulting from uncertainty about the honesty of the insured

Dishonesty or character defects in an individual that increase the chance of loss

a tendency for losses to be greater or more frequent when covered by insurance (Evans, 1984)

*: A risk to an insurance company resulting from uncertainty about the honesty of the insured

As "physical hazard" relates to susceptibility to fire or wind, the term "moral hazard" relates to susceptibility to loss through moral lapse of the owner (e g ,"Burn the house down and collect from the insurance company before losing it in a foreclosure to the finance company ")

Danger of loss arising from the nature of the insured rather than from the physical nature of the risk This would encompass those instances where the chance of loss is increased by an insured's carelessness, incompetence, recklessness, indifference to loss or an insured's fraudulent nature

A hazard resulting from the indifferent or dishonest attitude of an individual in relation to insured property

a term based on the principle that if actors are allowed to escape the consequences of their risky actions, they are more likely to engage in reckless behavior in future The moral hazard argument is often used to argue against the forgiveness of legally contracted debt; it has also been used to criticize IMF rescue packages, which bail out reckless bankers and private investors

A moral characteristic of an insured that may increase the likelihood of a loss, e g integrity, honesty, experience

Evidence of information market failure within the health insurance market The more complete an insurance coverage package the less individuals must bear the financial consequences of their consumption decisions thereby reducing the incentive to economize in consumption of health services

- A condition of morals or habits that increase the probability of a loss from a peril

The possibility that the signal or expectation of possible future government support may induce an undesirable change in behavior by management of an enterprise or bank, for example by engaging in more risky activities because some of the potential losses are seen as being effectively underwritten by the government

The risk that the existence of a contract will change the behavior of one or both parties to the contract, e g an insured firm will take fewer fire precautions

The possibility that a person may act dishonestly in an insurance transaction

The effect of personal reputation, character, associates, personal living habits, financial responsibility, and environment upon an individual's general insurability

The danger that a proposed insured might deliberately attempt to conceal or misrepresent information Moral hazard is a risk factor that affects the underwriting decision

the temptation facing managers to engage in risky activities when they are protected from the consequences of failure, e g by guaranteed severance payments

The risk that a party to a transaction has not entered into a contract in good faith, has provided misleading information about its assets, liabilities, or credit capacity, or has an incentive to take unusual risks in a desperate attempt to earn a profit before the contract settles

the principle that says that those who purchase insurance have a reduced incentive to avoid what they are insured against

moral hazard refers to the tendency of insurance to discourage policyholders from protecting themselves from risk

Characteristics of the insured or applicant that increase the probability or severity of loss

A situation in which the presence of insurance or some government policy weakens incentives for individuals, households or firms to behave prudently

Describes behavior when agents do not bear the full cost of their actions and are thus more likely to take such actions

A condition of morals or habits that increases the probability of loss from a peril An extreme example would be an individual who previously burned his own property to collect the insurance (G)

the loss to an insurance company resulting from possible lack of prudence or honesty on the part of policyholders

A concept referring to the notion that some countries may keep in place inefficient and carbon-intensive regulatory energy policies in order to increase opportunities for clean Development Mechanism investment

Связанные Термины

moral hazards

plural form of moral hazard

Расстановка переносов

mor·al Ha·zard

Турецкое произношение

môrıl häzırd

Произношение

/ˈmôrəl ˈhazərd/ /ˈmɔːrəl ˈhæzɜrd/

Этимология

[ 'mor-&l, 'mär- ] (adjective.) 14th century. Middle English, from Middle French, from Latin moralis, from mor-, mos custom.