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puchao · 2021年11月15日

请问risk tolerance,risk perception和 risk capacity的区别

协会官网有一题不太明白,请问为什么?

Exhibit 2

Selected Questions from Investment Risk Tolerance Questionnaire

  1. When you think of the word “risk,” which of the following words comes to mind first?
  2. Loss
  3. Uncertainty
  4. Opportunity
  5. Thrill
  6. You have just finished saving for a “once-in-a-lifetime” vacation. Three weeks before you plan to leave, you lose your job. You would:
  7. cancel the vacation.
  8. take a much more modest vacation.
  9. go as scheduled, reasoning that you need the time to prepare for a job search.
  10. extend your vacation, because this might be your last chance to go first class.


Q. The goals of the two questions in Exhibit 2 are most likely designed to address, respectively, the investor’s:

  1. risk perception and risk capacity.
  2. risk perception and risk aversion.
  3. risk tolerance and risk perception.


1 个答案

王暄_品职助教 · 2021年11月16日

risk tolerance指的是“ability and willingness”主观客观的容忍度都可以写都可以写

risk capacity指的是ability,主要看客观条件,比如实际的资产,实际的收入和支出

risk perception得意思是指我们对风险的主观认知,有时候,人们对风险的主观认知度不够,或者说不正确,那么manager可以通过教育的方式重新让投资者认知风险




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