从而，在一定程度上保险风险证券化替代了传统的保险方式。

So the products of insurance risky securitization are called "different products" for risk shifting.

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国外的实践经验表明，保险风险证券化能够有效地化解保险业承保巨灾等业务的风险。

The practice experience of foreign has shown that the securitization of insurance risk can effectively resolve the catastrophe risk beard by the insurance industry.

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住房抵押贷款风险的防范和控制是一个系统工程，本文尝试从个人信用征信制度、担保制度、保险制度和住房抵押贷款证券化四个方面进行探讨。

This thesis intends to discuss this problem systematically from the following four aspects: individual credit reporting system, security system, insurance system and mortgage-backed securitization.

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