术语“保险义务”的详细信息

英译术语:

insurance obligation

汉语语境:

道德风险作为社会生活中的一种普遍现象，广泛地存在于社会养老保险体系中，直接影响了我国社会保障事业的发展。社会养老保险中道德风险的防范工作是一项系统工程，其顺利地进行取决于道德素养、社会风气、政府部门的工作效率、法律环境等各方面因素。尤其是对于社会养老保险中道德风险的主要原因——“理性人”的投机倾向，不能一味采取“堵”的方法进行规制，应当主要考虑“疏”——利用利益机制引导人们合法合理的享受社会保险待遇，承担社会保险义务。而政府则应在托底责任、政策、法规建设方面发挥更大的作用。

英语语境:

Moral hazard, as a common phenomenon in social life, is widely existed in the social pension insurance system, which directly affects the development of the social security system in China. The prevention of moral hazard in the social pension insurance is a systematic project, which depends on the factors such as the moral quality, the social atmosphere, the work efficiency of the government department, the legal environment and so on.Especially in terms of the opportunistic tendency of which is the main cause of pension insurance moral hazard, the solution cannot be merely suppression. Instead, it should be channelized ----make use of the interest mechanism to guide people to legitimately enjoy social insurance benefits and take on social insurance obligations. Meanwhile, government should play a more important role concerning minimum security responsibility, and construction of policy and law.