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。
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
Insurance relies on this theory of risk pooling but it has to make it work.
保险是基于风险汇聚理论的,并运用其有效降低风险
It really is probability theory and the idea of spreading risk through risk pooling.
就是概率论,以及通过风险汇聚来分摊风险
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
Insurers, just like mutual funds, are providing risk pooling for you.
保险公司和共同基金一样,为客户提供风险汇聚服务
I call it the universal principle of risk management pooling and the hedging of risk.
我称之为,风险管理的普遍原则,风险汇聚和风险对冲
They're both based on risk management and pooling of risks.
他们都是基于风险管理与风险汇聚
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