「释义」

风险规避是一个经济学、金融学和心理学的一个概念，用来解释在不确定状况下消费者和投资者的行为。风险规避是指一个人面对不确定收益的交易时，更倾向于选择较保险但是也可能具有较低期望收益的交易。

「应用场景」

平衡风险与回报。
Strike the right balance between risk and reward.
 
“风险管理”通常是“风险防范”的同义词。但正如所有证券投资经理所知，低风险往往意味着低回报。当今的风险管理者认为自己的职责是帮助企业作出决定，认清他们对风险的偏好，并就此与公司沟通以便对公司决策进行引导。在某些情况下，这意味着帮助业务经理降低风险规避程度。例如，保险公司决定终止其投保了35年的客户的保单。该客户的风险不大，因此保单上的利润甚微。
 “Risk management” is often synonymous with “risk prevention.” But as any portfolio manager knows, lower risk often means lower returns. Today’s risk managers see their role as helping firms determine and clarify their appetite for risk and communicate it across the company to guide decision making. In some cases this means helping line managers reduce their risk aversion. For example, one large company decided to terminate the policy of a client it had insured for 35 years. The client wasn’t very risky, so profits on its policy were negligible.

 
《三招学会与风险共生》
2015年7-8月刊
“How to Live with Risks”
About the Research: “Reducing Risk Management’s Organizational Drag,” by CEB.
编辑：马冰仑