因此，货物保险是一种目的在于把风险从进口商和出口商的身上转移到专门承担风险的保险人一方的活动。
Therefore, cargo insurance is an activity aiming at moving the burden of risk from the exporters and importers to the underwriters.
一个显而易见的问题是对手方风险：如若保险人无力赔付，保险还有何用？
One clear problem is counterparty risk; insurance is worth nothing if the insurer cannot pay up.
商业健康保险在经营管理过程中，存在着保险公司、医疗服务提供机构和被保险人三方的利益平衡问题。
In the operational management process of commercial health insurance business, there is a need to balance interests of insurance companies, medical service providers and the insured.
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