美国的银行和保险公司在世界各地都有业务，而且他们的问题可以迅速的扩散到那些与它们有关的国际实体。
U.S. banks and insurers do business all over the world, and their problems can rapidly spread to the global entities that are exposed to them.
在许多方面，线上网点已经取代了实体的银行分支机构和保险个人代理。
In many cases, brick and mortar bank branches and in-person insurance agents have been replaced by online sites.
保险定义为公平转移风险损失，从一个实体到另一个，换取保费。
Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium.
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