1、第一篇如下
Mirrless, J. "
The Implications of Moral Hazard for Optimal Insurance." Presentation at conference in honor of Karl Borch, Nuffield College, Bergen, Norway. 1979.
Moral hazard : Economic meaning of the conditions justifying the first-order approach

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Nirvikar Singh*
University of California, Santa Cruz, CA 95064, USA
Received 1 December 1983.
Available online 23 March 2002.