That may be a familiar enough concept to you, but in the context of finance this is a major concept.

这个概念你们应该很熟悉了,在金融学中,这是个很重要的概念

耶鲁公开课 - 金融市场课程节选

That's what, in principle, we can do and what I think is the most important concept in finance--this concept of risk pooling.

原则上，这就是我们能做的,我认为这也是金融业最重要的概念,即风险汇聚及分摊。

耶鲁公开课 - 金融市场课程节选