Risk management is an important part of the overall bank management. If mistakes are made here, it can result in substantial los

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问题 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 investment, 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 the loss. This is also a cost to the bank.

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答案这些支付的利息叫做息票,通常半年或一年支付一次。债券有多种,最常见的有固定利率债券和浮动利率债券(FRN)。固定利率债券支付预决息票,浮动利率债券根据银行存款率贴水支付息票。不付息的债券叫做零息债券很少见,因为投资者的全部风险都集中在债券到期日,即付本金的时候。

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