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. 風險管理是銀行整體業務的要緊組成部分。假如在這個環節上出了差錯，會給銀行帶來巨大損失。打個比如，假如你作為投資者買錯了股票，你就會賠錢。銀行借給顧客和企業的貸款是投資，也正是風險管理發揮用途的地方。投資主如果一種風險回報權衡。但，銀行在投資時更趨于小心，由于假如更高風險的投資虧損的話，可能需要銀行分配更多的資金來填補它。這也是銀行所付出的代價。