保险需求的理论研究可以分为早期的保险需求思想和现代保险需求理论。

The studies of insurance demand include early insurance demand thoughts and modern insurance demand theory which involves optimal insurance theory and life insurance demand theory.

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个人的保险需求可以用风险厌恶来解释，而公司的保险需求则一直是经济学和公司金融理论的一大难题。

Individual insurance demands can be explained by peoples aversion to risks, but the corporate insurance demands have always been a difficult topic in economics and corporate finance theories.

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为降低电力需求侧用户所面临的停电风险而引入了保险理论并提出了建立保险单的方法，大用户可对停电损失进行投保以达到降低风险、保证电能质量的目的。

To reduce the risk of power supply interruption that customers at demand side may be faced with, a method of leading insurance theory in and establishing insurance policy is proposed.

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