Solutions to Prevent Moral Hazard in Banks and Non-Bank Financial Institutions
Keywords:
Moral Hazard, Bank, Prevention, Supervision.Abstract
Moral hazard is an important issue that can disrupt the stability of the financial system, both in banks and non-bank financial institutions. This phenomenon occurs when parties involved take excessive risks because they do not fully bear the consequences of losses. This research aims to identify solutions to prevent moral hazard in banks and non-bank institutions so that risk management can be improved. Banks and non-bank institutions so that risk management can be more effective. The research uses a descriptive qualitative model approach. The results of this study indicate that moral hazard in banks and non-bank financial institutions is caused by information asymmetry, and conflicts of interest between banks and non-bank financial institutions. Asymmetry, conflict of interest between management and shareholders, and weak supervision and regulation. Therefore, the implementation of stricter regulations, more effective supervision, and the application of strong accountability principles are needed to maintain the stability and integrity of the financial sector.
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