lack of reason to try to avoid risk when protected from its consequences, for example by insurance Cheap easy credit has created moral hazard throughout the global economy. 廉价的宽松信贷在整个全球经济中造成了道德风险。 The insurance creates a moral hazard for banks to engage in risky investments and loan too much money to unsuitable borrowers. 保险对银行从事有风险的投资并向不合适的借款人借出过多资金构成了道德风险。