所以，我国保险保障基金应当改变平准费率制的缴费方法，而是结合保险公司风险程度大小，采取风险费率制(Risk-Based Premiums)收取保障基金费，并且适当拉开H P和L P的差距，以激励保险公司选择稳健经营。
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But, as far as I can judge, the risk-assessed premiums vary within a very narrow band and are not based on an in-depth assessment of the individual bank's riskiness.
就我判断，这种以风险评估为基础的收费的变化区间将非常窄，而且其对每个银行的风险评估也并不够深入彻底。
As a result, insurance premiums, which are based on averaging risk across the population, are inadequate to cover future claims.
因此，根据人群平均风险制定的保险费不足以支付相关费用。
To be fair, individuals seemingly should pay premiums based on their lever of risk, not just the average level of risk.
为了公平起见，参保人似乎不能仅仅根据一般风险水平而应该根据他们所承担的风险来支付保险费。
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