并不是所有的风险都适合投保。
Not all risks lend themselves to being covered by insurance.
需要明确的是,人们不能以这种方式远离所有的风险,但这是最好的选择。
To be clear, people can't keep away from all the risks in this way, but it's the best choice.
并不是所有的风险都适合投保。一般来说,商业和投机的普通风险不包括在内。
Not all risks lend themselves to being covered by insurance. Broadly speaking, the ordinary risks of business and speculation cannot be covered.
These are private companies--insurance companies--they're monoline because they look only at a certain class of risks and not all risks that they insure.
他们是私人保险公司,从事单线业务,因为他们只关注一类特定风险,而不是担保所有的风险
If they're sort of doing their job right, they're actually diversifying away all the risk and relying on the law of large numbers.
如果他们工作得当,那么他们其实是规避了所有的风险,而且依赖大数定理。
So, the idea that theorists suggest-- and it may be unreachable-- but the perfect financial system would have all of our risks pooled completely.
理论家提出的这一理论-,可能无法达到-,但是一个完美的金融体系,能够将所有的风险完全分摊。
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