CAJ | 학술논문

中国城市最低生活保障制度运行中存在的道德风险问题，主要表现为地方政府基层部门挤占、挪用、滥用低保金，以及低保对象冒领、骗取和故意不工作以获取低保金。低保制度运行中道德风险的产生，有制度本身、制度的落实以及制度实施的主体和客体等多方面的原因，需要通过完善制度、加强监管和提升素质等多种途径加以防范和控制。
중국성시최저생활보장제도운행중존재적도덕풍험문제，주요표현위지방정부기층부문제점、나용、람용저보금，이급저보대상모령、편취화고의불공작이획취저보금。저보제도운행중도덕풍험적산생，유제도본신、제도적락실이급제도실시적주체화객체등다방면적원인，수요통과완선제도、가강감관화제승소질등다충도경가이방범화공제。
Moral hazard problems in Chinese urban minimum living security system mainly are the abuses of low premiums by some local governments and low income population. Causes for moral hazard problems in Chinese urban minimum living security system are derived from the system itself and the implementation of the system. In order to prevent moral hazard, it is necessary to improve the minimum living security system, strengthen supervision and enhance the consciousness of low income population, etc.