# Mutualization
In finance, the *mutualization* of risk is the process of dividing up exposure to potential risk or financial losses among many or all shareholders in a financial structure.

See also [deposit insurance](deposit-insurance.md) and [bank run](bank-run.md).

## References
1. Roche, Cullen O. 2011. ‘Understanding the Modern Monetary System’. http://ssrn.com/paper=1905625.