作为第二节课内容的延续，当时我讲过关于风险分摊的原则。
It's a continuation of the second lecture, where I talked about the principle of dispersal of risk.
风险分摊能使广大人群组在可能生病和需要昂贵的医疗时分摊风险。
A risk pool allows a large group of people to share the risk that they may become ill and need expensive care.
在投标中的风险分摊的第一级发生在个人层面的估计和程序规划师。
The first level of risk apportionment in a bid occurs at the individual level of the estimator and program planner.
问题在于，尽管风险分摊原则，听起来浅显易懂，但是实践仍然需要技术支持。
The problem is that while the principle of risk-sharing is very simple and obvious the practice requires technology.
不同的国家具有不同的社会健康保障途径，但是有一点是共同的：一种称为风险分摊的体系。
Different countries have different approaches to social health protection, but all have one thing in common: a system called a risk pool.
“我的房东说，‘某天你也会捧着股票来找我的’”，泰德说，“他大概是唯一一个我不会用风险分摊方式的对象”。
"My landlord said, 'Someday you're going to hit me up with shares,'" says Farnsworth. "he's probably the only guy I don't [use a risk-sharing arrangement with]."
不确定性与风险是企业、市场与关系合同存在的基础，企业、市场与合同为投资者提供了风险分摊的制度性选择。
Uncertainty and risk are the foundation of firm, market and contract, which provide investors systematic selection o risk Shared.
计算机技术使债权人可以使用标准化的信用评分方法；来自证券化的风险分摊，也使得向资信较差的借款人授信变得更安全。
Computers enabled lenders to use standardised credit scores, and the risk-spreading from securitisation made it safer to lend to less creditworthy borrowers.
第二个风险是，白人拥有的公司可能会通过与少数族裔拥有的企业组建合资企业，从日益增加的分摊比例中获利。
A second risk is that White-owned companies may seek to cash in on the increasing apportionments through formation of joint ventures with minority-owned concerns.
墨西哥湾漏油事件的风险得到了广泛分摊。
理论家提出的这一理论-,可能无法达到-,但是一个完美的金融体系,能够将所有的风险完全分摊。
So, the idea that theorists suggest-- and it may be unreachable-- but the perfect financial system would have all of our risks pooled completely.
保险公司要维持运作，必须依赖某种特定的客户搭配：他们需要一定的健康人群(低风险)来支付保险费，这类人实际很少需要补偿，由此保险费可以在客户间分摊。
Insurance companies depend on a mix of clients: they need a certain number of healthy individuals (low-risk) to pay premiums and not use a lot of services so that the premium prices can average out.
原本的期望是这种分散的全球体系可以分摊风险并减少金融冲击的经济影响。
The expectation was that today’s decentralised and global system would spread risk and reduce the economic impact of a financial shock.
但是，基于风险管理的逻辑，我们必须和他们达成协议，使分摊正规化而不受主观情绪的影响。
But, because of the logic of risk management we have to make a deal with them; so, it becomes more formal and impersonal.
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。
That's what, in principle, we can do and what I think is the most important concept in finance — this concept of risk pooling.
高收益依然如旧，保持家庭终生平稳消费的能力在持续增长，向那些最愿承担风险的人分摊市场风险的功能也在加强([font=宋体]请看本期专题) [font=宋体]。
The benefits remain, not least theincreased ability of households to smooth spending over their lifetimes and ofmarkets to allocate risks to those most willing to bear them (see article).
他们同样可以选择通过市场供给来增加公司股本，与新进股东分摊风险，同时也能从公司股价潜在的增长中获益。
They can also choose to increase their stake in the company through market offerings to share the risks with new shareholders, while also benefiting from the potential increase in the company's value.
原本的期望是这种分散的全球体系可以分摊风险并减少金融冲击的经济影响。
The expectation was that today's decentralised and global system would spread risk and reduce the economic impact of a financial shock.
作为一种理想的需求侧电价机制，通过结合与rtp相关的各类套期保值合同，RTP的价格波动风险可以在市场参与者之间合理分摊。
As an ideal demand side tariff mechanism, the price volatility risk of RTP can be rationally Shared among market participants by integrating various RTP-related hedge contracts.
风险理论，即认为经济风险可以分摊，是历史过程中，人们逐渐发现的理论。
The idea of risk, that economic risks can be pooled, is an intuitive one that has occurred to people throughout history.
地震保险作为一种通过补偿和分摊地震风险的有效的经济方法之一，在防震减灾中起到了非常积极的作用。
Earthquake insurance, as an efficient economic method through compensating and apportioning seismic hazard, has very positive function during anti-seismic and reducing hazard program.
第二课，我讲了风险汇聚及分摊，那节课的主题是，一门数学理论，即概率论。
In the second lecture, I talked about the pooling of risks and the basic theme of that lecture was that we now have a mathematical theory, probability theory.
各公司组成开采联盟，进而共同处理此类项目，分摊深水油藏开采所需的资金和风险。
Companies form consortia to handle nearly all such projects to share the high risk and investment needed to drill and develop deepwater Wells.
农民需要一种转移分散风险、分摊经济损失的风险管理机制。
Farmers need a kind of risk management mechanism to transfer agricultural risk and share the economic lost.
医疗活动固有的高风险性，迫切需要一种转嫁机制能够向社会分摊医疗风险带来的损失，从而减轻医疗机构和医生的经济压力。
Because of the high risky of the medical activity, the hospital and their doctors and nurses needs to share their compensate liability risk for their neglect and omit with other hospitals.
货物分摊价值，按照货物的到岸价格，减除不属于共同海损的损失金额和承运人承担风险的运费计算。
The contributory value of the cargo shall be computed on the basis of the CIF values, less the amount of loss or damage not allowable in general average and the freight at the risk of the carrier.
货物分摊价值，按照货物的到岸价格，减除不属于共同海损的损失金额和承运人承担风险的运费计算。
The contributory value of the cargo shall be computed on the basis of the CIF values, less the amount of loss or damage not allowable in general average and the freight at the risk of the carrier.
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