They have been working on improving their methods and they're trying to create divisions within their organizations that prevent the moral hazard from happening.

他们已经对技术进行改进,并且他们正尝试,在机构中划分部门,以便防范道德风险的发生

耶鲁公开课 - 金融市场课程节选

.. It's not going to work, we're not going to enjoy-- something's wrong with that because it's going to create a moral hazard problem and we're not going to be as productive.

那样行不通，我们没法-,那样会产生麻烦,会产生道德风险,生产力也会下降。

耶鲁公开课 - 金融市场课程节选