2、实际利益理论（Factual expectancy theory），该理论认为保险利益是因保险事故的发生而使投保人或被保险人受到的实际物质损失，以及正常情况下可期待利益的损失。
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其他利益相关方和学者之间的利益寻租过程能让问题研究即遵循理论重要性又切合实际，但需要各方的合作。
The process of arbitrage between other stakeholders and scholars, which ensures that the questions asked are both of theoretical importance and grounded in reality, requires collaboration.
他可能认为数学是过于理论化，此领域的发现难以为人类产生直接的实际利益。
Mathematics was a field he may have considered too theoretical to produce the direct practical benefits to mankind whose discoverers he sought to reward.
合作是各经济主体以利益相容为前提、以实力为基础进行的优势互补的经济活动，中外金融机构合作中存在许多值得研究的理论和实际问题。
The cooperation is a economic affairs based on the harmony of each entity's interests and on mutual potentials, which arouse theoretical and practical problems in cooperation need to be studied.
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