Abstract: Moral hazard is the uncertainty that the social participants or the application of social measures face in the process of the daily operation.Financial Moral hazard is the reflection and embodiment of the moral hazard in the financial industry. The paper specifies the nine fundamental attributes of financial moral hazard,and puts financial moral hazard into three categories, namely, individual, social, and normative. In this context,the paper lists the four reasons that result in the financial moral hazard as personality-induced, unhealthy social environment-induced,moral self-induced,financial characteristics-induced.Finally,the paper put forward the basic principals and main solutions to guard against the financial moral hazard.

Key words: China's Financial industry, Moral Hazard, General Analysis

摘要： 本文在对金融道德风险的内涵进行分析的基础上,对道德风险进行了分类。认为道德风险的生成机理源于道德个体的人性诱发、不良社会环境诱发、金融行业的特性诱发及道德的本质属性诱发,为此,应从风险防范理念、金融生态环境、法人治理结构、金融制度、从业人员职业道德等方面进行综合治理。

关键词: 道德风险, 中国金融, 伦理分析