The factors influencing the moral risk of human capital were pointed out. They were: the obtained legal income after fulfilling contracts honestly, the probability that the behavior of moral risk is discovered, the discount factor, the additional income received by the behavior of moral risk and the inferior income obtained after the behavior of moral risk was discovered. A mathematical model aiming at expectant income was built. The relationship between the motive of moral risk behavior of human capital and its influencing factors were analyzed. Were proposed the policies related to the motivation, the restriction and the cooperation in enterprise organizations. The other random influencing factors were also discussed.