一、金融道德风险的概念及定义金融道德风险,有广义与狭义之分。狭义的金融道德风险是指金融机构及其从业人员,利用自身的信息优势,因主观上的不尽责或违反金融职业操守,而引致金融资产发生损失的可能性。广义的金融道德风险,除包括上述定义范围外,还包括金融机构及其从业人员,利用工作之便,通过违反金融交易规则,为自己牟取私利所引发的挪用公款、贪污腐败等职务犯罪行为。 First, the concept of financial moral hazard and the definition of financial moral hazard, there are broad and narrow sense of the points. Narrow sense of financial moral risk refers to the possibility of financial institutions and their employees using their own information superiority, subjectively not responsible or violating financial professional ethics, which leads to the loss of financial assets. In addition to the above definition, the general financial moral hazard includes duty crimes such as misappropriation of public funds and corruption caused by financial institutions and their practitioners who use their work to violate financial trading rules for their own sake.