作业英语 金融英语之信贷风险打点(双语)

??金融英语：信贷风险打点 信贷风险打点 Risk management is an important part of the overall bank management. If mistakes are made here， it can result in substantial losses to the bank. By comparison， if you as an investor

??金融英语：信贷风险打点

信贷风险打点

Risk management is an important part of the overall bank management. If mistakes are made here， it can result in substantial losses to the bank. By comparison， if you as an investor choose the wrong stock investment you will also lose. Loans made by the bank to customers and companies are investments， and this is where risk management comes into use？ Investing is essentially a risk-return trade off. However banks tend to be more conservative when it comes to their investments， as higher risk investments may require the bank to allocate more capital to cover it in the event of a loss. This also comes at a cost to the bank.

风险打点是银行全体事务的重要构成有些。假定在这个环节上出了过失，会给银行带来无量丢掉。打个比方说，假定你作为出资者买错了股市，你就会赔钱。银行借给客户和公司的告贷是出资，也正是风险打点发扬作用的当地。出资首要是一种风险酬谢权衡。可是，银行在出资时更趋于稳重，因为假定更高风险的出资亏本的话，可以需求银行分配更多的资金来加添它。这也是银行所付出的价值。