That's what, in principle, we can do and what I think is the most important concept in finance--this concept of risk pooling.

原则上，这就是我们能做的,我认为这也是金融业最重要的概念,即风险汇聚及分摊。

耶鲁公开课 - 金融市场课程节选

Risk pooling means they put a lot of people with independent or low-correlated risk into a pool and reduce the risk for the whole pool.

风险汇聚即,将独立或相关性小的风险汇聚起来,以降低整体风险

耶鲁公开课 - 金融市场课程节选

The principles of insurance-- the fundamental powerhouse--is the principle of risk pooling.

保险的原理,其基本的动力...是风险汇聚原理

耶鲁公开课 - 金融市场课程节选