题目
Whichof the following actions in the banking system is most likely intended toaddress the problem of moral hazard?
选项
A.Deposit insurers charge risk-based premiums.
B.Banks increase loans to higher-risk borrowers.
C.Governments implement deposit insurance programs.
D.Banks increase the interest rates they offer to depositors.
答案
A
解析
Charging risk-based premiumsis a measure intended to address the problem of moral hazard, which exists wheninsured parties take greater risks than they would take in the absence ofinsurance.收取基于风险的保费是一种旨在解决道德风险问题的措施。道德风险存在于被保险人承担的风险大于他们在没有保险的情况下承担的风险。