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 investor1 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 essentially2 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 allocate3 more capital to cover it in the event of a loss. This also comes at a cosplayt to the bank. 风险管理是银行整体业务的要紧组成部分。假如在这个环节上出了差错，会给银行带来巨大损失。打个比如，假如你作为投资者买错了股票，你就会赔钱。银行借给顾客和企业的贷款是投资，也正是风险管理发挥用途的地方。投资主如果一种风险回报权衡。但，银行在投资时更趋于小心，由于假如更高风险的投资亏损的话，可能需要银行分配更多的资金来填补它。这也是银行所付出的代价。