风险管理是银行整体业务的重要组成部分。如果在这个环节上出了差错.会给银行带来巨大损失。打个比方说,如果你作为投资者买错了股票,你就会赔钱。银行借给客户和公司的贷款是投资,也正是风险管理发挥作用的地方。投资主要是一种风险回报权衡。但是,银行在投资时更趋于谨慎

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问题 风险管理是银行整体业务的重要组成部分。如果在这个环节上出了差错.会给银行带来巨大损失。打个比方说,如果你作为投资者买错了股票,你就会赔钱。银行借给客户和公司的贷款是投资,也正是风险管理发挥作用的地方。投资主要是一种风险回报权衡。但是,银行在投资时更趋于谨慎,因为如果更高风险的投资亏损的话,可能要求银行分配更多的资金来填补它。这也是银行所付出的代价。

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答案These interest payments are called coupons and are usually paid semi-annually or annually. There are many types of bonds, the most common of which are fixed rate bonds and floating rate notes(FRN). Fixed rate bonds pay a pre-determined coupon and FRN pay coupons at a premium above the bank’s fixed deposit rate. Bonds that do not pay interest are called zero coupon bonds. This type of bond is rare, as the entire risk to investors is concentrated at the maturity date when the principal becomes payable.

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