It is called counter selection when there is a behavior of concealing information before signing a contract and called moral risk after signing a contract.

发生在契约签订前的隐瞒信息行为叫逆向选择，发生在契约签订后的隐瞒信息行为叫道德风险。

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It is called counter selection when there is a behavior of concealing information before signing a contract and called moral risk after signing a contract.

发生在契约签订前的隐瞒信息行为叫逆向选择，发生在契约签订后的隐瞒信息行为叫道德风险。

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