理论上，标准的相互保险模型表明：在一个农村社区中，对单个家庭所面临的特殊性风险，相互保险机制能够实现风险配置的帕累托最优。
Theoretically, the standard mutual insurance model shows: in a rural community, it can realize the optimized Pareto risk arrangement for a specific family facing idiosyncratic risks.
一切企业和个人都应当履行诚信原则，保险业是经营风险的特殊行业，应当履行最大诚信原则。
As a special industry with risky management, insurance industry needs to perform the principle of maximum honesty.
作为经营风险的特殊金融机构，保险企业的风险管理不仅是自身经营安全的重要保证，也是有效提升企业价值的基石。
As special financial institutions, risk management of insurance enterprises is not only the important guarantee of business security but also the basis of improving enterprise value.
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