{"id":26918,"date":"2023-12-07T03:12:46","date_gmt":"2023-12-07T03:12:46","guid":{"rendered":"https:\/\/masterskills.org\/blog\/rui-ro-dao-duc-moral-hazard-la-gi-bien-phap-phong-ngua-rui-ro-dao-duc.html"},"modified":"2023-12-22T14:52:12","modified_gmt":"2023-12-22T07:52:12","slug":"rui-ro-dao-duc-moral-hazard-la-gi-bien-phap-phong-ngua-rui-ro-dao-duc","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/rui-ro-dao-duc-moral-hazard-la-gi-bien-phap-phong-ngua-rui-ro-dao-duc.html","title":{"rendered":"R\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c (Moral hazard) l\u00e0 g\u00ec? Bi\u1ec7n ph\u00e1p ph\u00f2ng ng\u1eeba r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda<\/p>\n<\/div>\n<\/div>\n

R\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c (Moral hazard)<\/font><\/h2>\n

\u0110\u1ecbnh ngh\u0129a<\/b><\/p>\n

R\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c<\/b> trong ti\u1ebfng Anh l\u00e0 Moral hazard<\/b>. R\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c <\/i>l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng b\u00ean c\u00f3 nhi\u1ec1u th\u00f4ng tin h\u01a1n (bi\u1ebft ch\u1eafc m\u00ecnh s\u1ebd l\u00e0m g\u00ec) thay \u0111\u1ed5i h\u00e0nh vi g\u00e2y b\u1ea5t l\u1ee3i cho b\u00ean kia.<\/p>\n

R\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c\u00a0<\/b>l\u00e0 v\u1ea5n \u0111\u1ec1 do th\u00f4ng tin b\u1ea5t c\u00e2n x\u1ee9ng g\u00e2y ra sau khi giao d\u1ecbch \u0111\u00e3 x\u1ea3y ra.<\/p>\n

C\u00e1c thu\u1eadt ng\u1eef li\u00ean quan<\/font><\/h3>\n

Th\u00f4ng tin b\u1ea5t c\u00e2n x\u1ee9ng<\/b>\u00a0hay b\u1ea5t c\u00e2n x\u1ee9ng th\u00f4ng tin (ti\u1ebfng Anh: Asymmetric information) l\u00e0 m\u1ed9t b\u00ean c\u00f3 nhi\u1ec1u th\u00f4ng tin hay hi\u1ec3u bi\u1ebft h\u01a1n v\u1ec1 m\u1ed9t v\u1ea5n \u0111\u1ec1, c\u00f3 nh\u1eefng h\u00e0nh \u0111\u1ed9ng g\u00e2y t\u1ed5n th\u1ea5t cho b\u00ean kia, v\u00e0 r\u1ed9ng h\u01a1n l\u00e0 c\u1ea3 x\u00e3 h\u1ed9i.<\/p>\n

L\u1ef1a ch\u1ecdn b\u1ea5t l\u1ee3i\u00a0(l\u1ef1a ch\u1ecdn \u0111\u1ed1i ngh\u1ecbch) v\u00e0 r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c<\/b> l\u00e0 hai h\u1ec7 qu\u1ea3 ti\u00eau c\u1ef1c c\u1ee7a v\u1ea5n \u0111\u1ec1 th\u00f4ng tin b\u1ea5t c\u00e2n x\u1ee9ng.<\/p>\n

V\u00ed d\u1ee5 c\u1ee7a r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c<\/font><\/h3>\n

Ch\u1eb3ng h\u1ea1n sau khi b\u1ea1n \u0111\u00e3 mua b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n, b\u1ea1n c\u00f3 th\u1ec3 kh\u00f4ng c\u00f3 nhi\u1ec1u \u0111\u1ed9ng c\u01a1 gi\u1eef g\u00ecn t\u00e0i s\u1ea3n \u0111\u00f3 do ngh\u0129 r\u1eb1ng n\u1ebfu c\u00f3 h\u01b0 h\u1ecfng, m\u1ea5t m\u00e1t \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng. C\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f3 nhi\u1ec1u th\u00f4ng tin v\u1ec1 vi\u1ec7c b\u1ea1n s\u1ebd s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n \u0111\u00f3 nh\u01b0 th\u1ebf n\u00e0o n\u00ean b\u1ea1n c\u00f3 th\u1ec3 c\u00f3 nh\u1eefng h\u00e0nh \u0111\u1ed9ng \u0111i ng\u01b0\u1ee3c l\u1ea1i quy\u1ec1n l\u1ee3i c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.\u00a0<\/p>\n

Tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c c\u00f3 th\u1ec3 x\u1ea3y ra khi ng\u01b0\u1eddi \u0111i vay s\u1ebd th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng m\u00e0 ng\u01b0\u1eddi cho vay kh\u00f4ng mong mu\u1ed1n.\u00a0<\/p>\n

R\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng kho\u1ea3n vay s\u1ebd \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3, do v\u1eady c\u00f3 th\u1ec3 khi\u1ebfn ng\u01b0\u1eddi cho vay kh\u00f4ng mu\u1ed1n cho vay.\u00a0<\/p>\n

R\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c c\u00f3 th\u1ec3 x\u1ea3y ra trong c\u00e1c c\u00f4ng ty c\u1ed5 ph\u1ea7n do s\u1ef1 t\u00e1ch bi\u1ec7t gi\u1eefa ch\u1ee7 s\u1edf h\u1eefu v\u1ed1n – c\u00e1c c\u1ed5 \u0111\u00f4ng v\u00e0 ng\u01b0\u1eddi qu\u1ea3n l\u00ed<\/span> doanh nghi\u1ec7p – Ban gi\u00e1m \u0111\u1ed1c: ng\u01b0\u1eddi qu\u1ea3n l\u00ed<\/span> doanh nghi\u1ec7p, do s\u1edf h\u1eefu m\u1ed9t ph\u1ea7n v\u1ed1n r\u1ea5t nh\u1ecf, ho\u1eb7c th\u1eadm ch\u00ed kh\u00f4ng s\u1edf h\u1eefu m\u1ed9t ph\u1ea7n v\u1ed1n n\u00e0o c\u1ee7a doanh nghi\u1ec7p, c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng v\u00ec l\u1ee3i \u00edch c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd h\u01a1n l\u00e0 l\u1ee3i \u00edch c\u1ee7a c\u00e1c c\u1ed5 \u0111\u00f4ng s\u1edf h\u1eefu v\u1ed1n.<\/p>\n

Bi\u1ec7n ph\u00e1p ph\u00f2ng ng\u1eeba r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c<\/font><\/h3>\n

R\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c<\/b> c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00f2ng ng\u1eeba nh\u01b0 sau:<\/p>\n

M\u1ed9t l\u00e0, b\u00ean k\u00e9m \u01b0u th\u1ebf v\u1ec1 th\u00f4ng tin \u0111\u01b0a ra c\u00e1c cam k\u1ebft tr\u1eebng ph\u1ea1t v\u1ec1 r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c c\u00f3 th\u1ec3 x\u1ea3y ra trong h\u1ee3p \u0111\u1ed3ng gi\u1eefa c\u00e1c b\u00ean giao d\u1ecbch.<\/p>\n

\u0110i\u1ec1u n\u00e0y l\u00e0m cho b\u00ean c\u00f3 \u01b0u th\u1ebf h\u01a1n v\u1ec1 th\u00f4ng tin s\u1ebd c\u00e2n nh\u1eafc nguy c\u01a1 b\u1ecb tr\u1eebng ph\u1ea1t \u0111\u1ec3 r\u1ed3i th\u1ea5y l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c m\u00ecnh thay \u0111\u1ed5i h\u00e0nh vi kh\u00f4ng b\u1eb1ng c\u00e1i gi\u00e1 ph\u1ea3i b\u1ecf ra, t\u1eeb \u0111\u00f3 kh\u00f4ng n\u1ea3y sinh r\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c.<\/p>\n

Hai l\u00e0, t\u0103ng c\u01b0\u1eddng thu th\u1eadp th\u00f4ng tin, t\u0103ng c\u01b0\u1eddng gi\u00e1m s\u00e1t t\u1eeb \u0111\u00f3 kh\u1eafc ph\u1ee5c t\u00ecnh tr\u1ea1ng th\u00f4ng tin b\u1ea5t c\u00e2n x\u1ee9ng.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o:\u00a0Trung gian t\u00e0i ch\u00ednh, Trung t\u00e2m \u0111\u00e0o t\u1ea1o t\u1eeb xa, \u0110H Kinh t\u1ebf Qu\u1ed1c d\u00e2n)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n R\u1ee7i ro \u0111\u1ea1o \u0111\u1ee9c (ti\u1ebfng Anh: Moral hazard) l\u00e0 hi\u1ec7n t\u01b0\u1ee3ng b\u00ean c\u00f3 nhi\u1ec1u th\u00f4ng tin h\u01a1n (bi\u1ebft ch\u1eafc m\u00ecnh s\u1ebd l\u00e0m g\u00ec) thay \u0111\u1ed5i h\u00e0nh vi g\u00e2y b\u1ea5t l\u1ee3i cho b\u00ean kia.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[414],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/26918"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=26918"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/26918\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=26918"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=26918"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=26918"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}