Based on the theory of risk management,starting with the influence of moral hazard on the insurability of risk,the paper studies deeply in the reasons,preconditions and the types of moral hazard.

• 本文以风险管理为理论基础，从道德风险因素对风险可保性的影响入手，对保险市场中道德风险的形成原因、产生条件和表现形式进行了深入分析。