「釋義」

風(fēng)險(xiǎn)規(guī)避是一個(gè)經(jīng)濟(jì)學(xué)、金融學(xué)和心理學(xué)的一個(gè)概念，用來解釋在不確定狀況下消費(fèi)者和投資者的行為。風(fēng)險(xiǎn)規(guī)避是指一個(gè)人面對(duì)不確定收益的交易時(shí)，更傾向于選擇較保險(xiǎn)但是也可能具有較低期望收益的交易。

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「應(yīng)用場(chǎng)景」

平衡風(fēng)險(xiǎn)與回報(bào)。
Strike the right balance between risk and reward.
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“風(fēng)險(xiǎn)管理”通常是“風(fēng)險(xiǎn)防范”的同義詞。但正如所有證券投資經(jīng)理所知，低風(fēng)險(xiǎn)往往意味著低回報(bào)。當(dāng)今的風(fēng)險(xiǎn)管理者認(rèn)為自己的職責(zé)是幫助企業(yè)作出決定，認(rèn)清他們對(duì)風(fēng)險(xiǎn)的偏好，并就此與公司溝通以便對(duì)公司決策進(jìn)行引導(dǎo)。在某些情況下，這意味著幫助業(yè)務(wù)經(jīng)理降低風(fēng)險(xiǎn)規(guī)避程度。例如，保險(xiǎn)公司決定終止其投保了35年的客戶的保單。該客戶的風(fēng)險(xiǎn)不大，因此保單上的利潤(rùn)甚微。
?“Risk management” is often synonymous with “risk prevention.” But as any portfolio manager knows, lower risk often means lower returns. Today’s risk managers see their role as helping firms determine and clarify their appetite for risk and communicate it across the company to guide decision making. In some cases this means helping line managers reduce their risk aversion. For example, one large company decided to terminate the policy of a client it had insured for 35 years. The client wasn’t very risky, so profits on its policy were negligible.

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《三招學(xué)會(huì)與風(fēng)險(xiǎn)共生》
2015年7-8月刊
“How to Live with Risks”
About the Research: “Reducing Risk Management’s Organizational Drag,” by CEB.
編輯：馬冰侖?