---
title: Is there any morality in moral hazard?
description: Morality and Moral Hazard
---

[Blog - Alba Graduate Business School](https://blog.alba.acg.edu)

# [Is there any morality in moral hazard?](https://blog.alba.acg.edu/is-there-any-morality-in-moral-hazard)

 Written by [Avramidis Panagiotis](https://blog.alba.acg.edu/author/avramidis-panagiotis) | 24 Nov 2016

One of the biggest challenges for the Greek and the European banking systems is the management of the non-performing loans. After a prolonged economic recession, it is expected that a proportion of loans will incur losses due to the financial insolvency of the borrower. A smaller but significant number of borrowers, however, are strategic defaulters since they have the ability, but not the willingness, to pay off their liabilities.

 

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