他们提高风险而非降低风险，集中风险而非分散风险。
They increased risk rather than reducing it, and concentrated risk rather than spreading it.
这就是所说的集中风险。如果该组织太小，每个成员要支付的就多，这样就不会顾及到许多很穷的人们。
This is known as pooling risk. If the group is small, each member has to pay more, and that would exclude the poorest.
同样的，在经济增长时期，如果许多机构都愿意承担风险的话，“集中风险也许在一家单独的机构是可接受的……不过这可能是危险的”。
Similarly, in the upswing, "risk concentrations that might be acceptable at a single institution... could be dangerous" if a lot of institutions had them.
同样的，在经济增长时期，如果许多机构都愿意承担风险的话，“集中风险也许在一家单独的机构是可接受的……不过这可能是危险的”。
Similarly, in the upswing, "risk concentrations that might be acceptable at a single institution…could be dangerous" if a lot of institutions had them.
同样的，在经济增长时期，如果许多机构都愿意承担风险的话，“集中风险也许在一家单独的机构是可接受的……不过这可能是危险的”。
Similarly, in the upswing, "risk concentrations that might be acceptable at a single institution…could be dangerous" if a lot of institutions had them.
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