求翻译：风俗习惯、价值观等多个因素共同决定了人们对风险所持的态度，进而影响人们为应付风险而采取的措施。人们对风险所持的态度和应对风险而采取的措施决定了人们对保险的需求，而这些价值观源自当地文化。由于自然环境和社会环境的制约和影响，地域的差别使不同族群形成不同的文化特征，这样的文化差异会影响人的消费需求欲望、消费行为以及购买行为，同时也会影响人们对保险产品的选择，致使不同地区的保险发展状况不同。是什么意思？

Customs, values ​​and other factors determine people's attitude to risk, thereby affecting the people of the measures taken to cope with risk. People's attitude to risk and the measures taken to deal with risks determines the insurance needs of people, and these values ​​from the local culture. Due

A number of factors, such as customs, values the common decision of risk, and to influence the attitude of people to cope with the risks of measures taken. Awareness of the risk by the attitude and measures taken to deal with risks to the insurance needs of people, and these values derived from loca

Customs, values, and other factors determines the people's attitude to risk, and thus influence people to cope with the risks and to take measures. People's attitude to risk and respond to risks and decision of the measures take