来自《耶鲁大学开放课程：金融市场第5集第5集》

and get them to actually purchase insurance.

并最终说服他们购买保险
I want to talk about government regulation of insurance

我现在想讲一下政府对保险业的监管
because I said that was an important aspect of insurance.

因为我说过这是保险中很重要的一个方面
The regulators do many things,

监管机构要顾及很多事情
but insurance regulators,

但保险业监管机构
most of all, are concerned with capital adequacy.

最为关心的是资本充足率
Insurance now, in the United States,

如今美国的保险业
is regulated not by the federal government

并不是由联邦政府直接监管
but by insurance regulators in each of the fifty states.

而是由各个州的监管机构监管
It's very hard to summarize insurance regulation

所以要概括全美国的保险业监管情况
in the United States.

是很困难的
Why is it regulated separately by the fifty states?

为什么各个州要的监管要分开呢