金融英語閲讀及翻譯

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.

風險管理是銀行整體業務的'重要組成部分。如果在這個環節上出了差錯，會給銀行帶來巨大損失。打個比方説，如果你作為投資者買錯了股票，你就會賠錢。銀行借給客户和公司的貸款是投資，也正是風險管理髮揮作用的地方。投資主要是一種風險回報權衡。但是，銀行在投資時更趨於謹慎，因為如果更高風險的投資虧損的話，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。