群体决策时，风险承担者不再是个人，而是做出一致决策的群体，这一现象叫做 “风险转移（the risky shift）” 风险转移的一种解释是人们在群体中进行集体决策比个人单独决策承担了更少 的个人责任。群体可以做出更大风险的决策。
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the risky-shift phenomenon 风险转移现象
Sensing a shift in the economics of the industry, creditors around the world have started questioning the easy money offered to private-equity firms, which feed off risky types of debt.
全世界的债权人都觉察到了该行业里经济情况的变化，他们开始质疑向私募股权企业提供的低息贷款。这些企业依靠风险债务生存。
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.
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。
The hypothesis is developed as a generalization of the well -known risky shift effect: the fact that individuals tend to make riskier decisions after group discussion than before group discussion.
这个假说概括了群体决策中的“冒险转移”效应，即群体讨论后的个体倾向于作更冒险的决策。
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