道德风险是风险吗？

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弱弱地问一句，道德风险是委托代理理论范畴下的一个概念，我看到的文献，将道德风险理解为来自于事后信息不对称，或隐藏行动，而风险的概念是可度量的不确定性，有些搞不清楚，道德风险应该算是风险理论范畴内的概念么？或者通俗点说，是风险的一种么？从英文上看，道德风险是 moral hazard， 风险是risk，也不太一样。。。求大神们指导！！！

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关键词：道德风险 MORAL HAZARD hazard 信息不对称 moral 英文 信息

I am a normal student.
Just want to discuss the topic with you.

Ethic issue is an very important topic in modern society.
When you look at the internal control system, you will be told that taking "professional skeptical" position. It means you'd better not assuming the management is honest or dishonest.

When you looked at back what had happened.
You may find out a lot of big economic problems were initiated by ethic comprising.
That's why audit firms make big money now and in the future.

Let's get to second part of your question.
Is an ethic issue a risk?

From the risk management standing point of view,
"anything could jeopardize your effort to get the mission accomplished is a risk."

So, we have no reason not to do so.

Don't emphasis too much on the vocabulary.  such as "hazard" or "risk".
You'd better apply the basic concept to illustrate your reasoning.

Actually, fraud has bigger influence on your daily life.
Since it is "intentionally unethical practice",
I was wondering what will you classified as "risk" if you leave it (ethic issue)alone.

I hope it helps.

cpamodeler 发表于 2014-10-24 21:51
I am a normal student.
Just want to discuss the topic with you.

Thanks for your answer~
I just cannot decided where to put the content of moral hazard in my review.
And I will think about your opinion. :)