保险公司有必要在传统体系之外寻求新的风险管理方法去分散和转移保险公司所面临的风险。

It is necessary for insurance companies to seek new ways of risky management from out of the traditional system to diversify and shift risks they are facing.

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在大力发展这一业务时，其授信风险的防范、分散和转移自然也就成为各家银行所要研究的课题。

Along with the enlargement of this business, it is of great necessity for all commercial Banks to study the prevention against, the deconcentration on, and the transfer of their accredited risks.

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现实和潜在的最大问题之一表现为保险业较高的利率风险和较低的风险分散、风险转移的能力。

One of the major problems now and in the future is the high interest rate risk and low ability to diversify and transfer risks.

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