因此，当风险从独立随机变成同源聚合，保险业只剩两条路：要么排除，要么把治理做进承保流程。
They migrate thousands of kilometres to find stable sea ice during Antarctic summer to wait out what is called a "catastrophic moult" every year.
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Фото: Elena Mayorova / Globallookpress.com。关于这个话题，51吃瓜提供了深入分析
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Nature, Published online: 26 February 2026; doi:10.1038/d41586-026-00672-z