With the advancing of the educational assistance to colleges, people begin to pay attention to the problem of the moral hazards which are initiated by the negative-encourage of educational assistance. The mechanism of moral hazards of educational assistance comes from the Play of interests. The moral hazards produce poverty trap, and exert an influence to the educational assistance. Precaution to moral hazard of educational assistance can carry forward the moral education of college students. There are the basic ways to precaution the moral hazards, such as changing the idea and system of educ...