正是据以将大总体划分为几个匀质组（homogeneous groups）的依据，判断样本才具有代表性。既然我们希望通过样本来了解的问题，可以将总体划分为能用一些个体来代表的几个子总体（specific...
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Then risk-homogeneous groups are formed and they are also return-homogeneous groups.
而这些风险同质组恰好又是回报同质组。
Member contributions tend to be more equal in homogeneous groups and members are more committed to the group than members in heterogeneous groups.
与异质群体的成员相比，同质群体的成员对群体的贡献更为均衡，对群体也更忠诚。
However, homogeneous groups are more likely to have strategic default than heterogeneous groups due to different official penalties on strategic default.
然而，由于机构给予策略性赖账的惩罚不同，回报同质组策略性赖账的概率可能更大。
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