Insurance relies on this theory of risk pooling but it has to make it work.
保险是基于风险汇聚理论的，并运用其有效降低风险。
It really is probability theory and the idea of spreading risk through risk pooling.
就是概率论，以及通过风险汇聚来分摊风险。
It really is probability theory and the idea of spreading risk through risk pooling.
就是概率论，以及通过风险汇聚来分摊风险。
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