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

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The classic moral hazard problem is the problem that you give fire insurance on a house and someone burns down the house in order to collect the insurance.

有个经典的道德风险的例子就是,给一栋房子投保了火险,有人就可能会烧了这栋房子,以获得保险赔付

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