零散的保险管理系统阻碍了风险集中和新分保能力的产生，同时也让美国的消费者难以收益。

A fragmented regulatory system that hinders the pooling of risks and obstructs the creation of new reinsurance capacity has done American consumers no favours.

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例如，策略“企业服务需要最少三个消费者”有助于决定哪些服务可以成为集中管理的企业级服务。

As an example, a policy such as an enterprise service needs to have a minimum of three consumers helps in deciding what qualifies as a centrally hosted, enterprise-level service.

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