This is known as pooling risk.
这就是所说的分担风险。
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。
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。
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。
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。
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