What are the characteristics of moral hazard?

1, potential risks. Many enterprises that evade bank debts borrow bank debts knowing that they can't repay them.

2. The long-term nature of risks. The change of ideas is a long-term and subtle process, especially the process of China's transition from planned economy to market economy will be a long-term pain.

3. The destructiveness of risks. When the ideological and moral standards deteriorate, things will get worse and worse. After the formation of non-performing assets, if the enterprises are in a cooperative attitude, the losses of both parties will be minimized.

4. The difficulty of control. At present, the measures to deal with non-performing assets of banks are relatively backward, which is related to the definition of non-performing assets of banks, as well as the credit risk prediction mechanism, transfer mechanism,