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金融英語考試輔導(dǎo):信貸風(fēng)險管理相關(guān)閱讀
金融英語考試輔導(dǎo):信貸風(fēng)險管理相關(guān)閱讀
信貸風(fēng)險管理
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.
風(fēng)險管理是銀行整體業(yè)務(wù)的重要組成部分。如果在這個環(huán)節(jié)上出了差錯，會給銀行帶來巨大損失。打個比方說，如果你作為投資者買錯了股票，你就會賠錢。銀行借給客戶和公司的貸款是投資，也正是風(fēng)險管理發(fā)揮作用的地方。投資主要是一種風(fēng)險回報權(quán)衡。但是，銀行在投資時更趨于謹(jǐn)慎，因為如果更高風(fēng)險的投資虧損的話，可能要求銀行分配更多的資金來填補它。這也是銀行所付出的代價