risk-averse; risk aversion

简明释义

不愿承担风险

英英释义

例句

1.The company's risk aversion 风险厌恶 led them to forgo potentially lucrative projects that involved uncertainty.

公司的风险厌恶使他们放弃了那些涉及不确定性的潜在盈利项目。

2.Investors who are risk-averse 厌恶风险的 tend to prefer safer assets like bonds over stocks.

投资者通常更倾向于选择像债券这样的安全资产，而不是股票，因为他们是厌恶风险的。

3.Many risk-averse 厌恶风险的 individuals avoid starting their own businesses because of the potential financial loss.

许多厌恶风险的个人因为潜在的财务损失而避免创业。

4.In a volatile market, risk-averse 厌恶风险的 investors often seek out stable investments.

在动荡的市场中，厌恶风险的投资者通常会寻找稳定的投资。

5.Due to her risk aversion 风险厌恶, she decided to keep her savings in a high-yield savings account rather than investing in the stock market.

由于她的风险厌恶，她决定将储蓄放在高收益储蓄账户中，而不是投资股市。

作文

In today's fast-paced world, individuals and businesses are constantly faced with decisions that involve varying degrees of uncertainty. One significant concept that emerges in this context is the idea of being risk-averse, which refers to the tendency to prefer outcomes that are certain over those that are uncertain, even if the uncertain option has a potentially higher reward. This behavior is often driven by risk aversion, a psychological trait that influences how people perceive and respond to risk. Understanding these concepts is crucial for making informed choices in both personal and professional spheres.For instance, consider an investor evaluating two different investment opportunities. The first option is a government bond that offers a guaranteed return with minimal risk. The second option is a startup company that has the potential for high returns but also carries a significant risk of failure. A risk-averse investor would likely choose the government bond, valuing the certainty of the returns over the potential for greater gains from the startup. This choice reflects a fundamental aspect of human behavior: the desire to avoid loss.The implications of risk aversion extend beyond individual decision-making; they also influence market dynamics and economic policies. For example, during times of economic uncertainty, risk-averse behavior can lead to decreased consumer spending and investment, as people prefer to hold onto their money rather than risk it on uncertain ventures. This can result in slower economic growth, as businesses struggle to secure funding and consumers delay purchases.Moreover, understanding risk aversion can help policymakers design better strategies to stimulate the economy. By implementing measures that reduce perceived risks—such as guarantees for loans or insurance against losses—governments can encourage risk-averse individuals and businesses to engage more actively in economic activities. This approach not only supports growth but also fosters innovation, as more players enter the market when they feel secure.In the realm of personal finance, being risk-averse can have both positive and negative consequences. On one hand, a cautious approach can protect individuals from significant financial setbacks. On the other hand, excessive risk aversion may prevent them from taking advantage of valuable investment opportunities that could enhance their wealth over time. Therefore, it is essential for individuals to strike a balance between caution and opportunity.In conclusion, the concepts of risk-averse and risk aversion play a vital role in shaping decisions across various domains. Whether in investing, consumer behavior, or policy-making, understanding these ideas can lead to more informed and effective choices. As we navigate an increasingly uncertain world, recognizing our own tendencies toward risk aversion can help us make better decisions that align with our goals and values, ultimately leading to a more secure and prosperous future.

在当今快速发展的世界中，个人和企业不断面临涉及不同程度不确定性的决策。一个重要的概念是“风险厌恶”，它指的是倾向于选择确定结果而非不确定结果的行为，即使不确定的选项可能带来更高的回报。这种行为通常是由风险厌恶这一心理特征驱动，它影响着人们如何感知和应对风险。理解这些概念对于在个人和职业领域做出明智的选择至关重要。例如，考虑一位投资者在评估两种不同的投资机会。第一种选择是政府债券，提供有保障的回报且风险极小。第二种选择是一家初创公司，虽然潜在回报很高，但也有失败的重大风险。一位风险厌恶的投资者可能会选择政府债券，更看重回报的确定性，而不是从初创公司获得更大收益的潜力。这一选择反映了人类行为的一个基本方面：避免损失的愿望。风险厌恶的影响超出了个人决策，它还影响市场动态和经济政策。例如，在经济不确定时期，风险厌恶的行为可能导致消费者支出和投资减少，因为人们宁愿保留资金，也不愿冒险进行不确定的投资。这可能导致经济增长放缓，因为企业难以获得资金，而消费者则推迟购买。此外，理解风险厌恶可以帮助政策制定者设计更好的刺激经济的策略。通过实施降低感知风险的措施——如贷款担保或损失保险——政府可以鼓励风险厌恶的个人和企业更积极地参与经济活动。这种方法不仅支持增长，还促进创新，因为当人们感到安全时，更多的参与者进入市场。在个人理财领域，风险厌恶可能会带来积极和消极的后果。一方面，谨慎的态度可以保护个人免受重大财务损失。另一方面，过度的风险厌恶可能会阻止他们抓住有价值的投资机会，从而增强财富。因此，个人需要在谨慎和机会之间找到平衡。总之，风险厌恶和风险厌恶的概念在塑造各个领域的决策中起着至关重要的作用。无论是在投资、消费行为还是政策制定中，理解这些思想都可以导致更明智和有效的选择。当我们在一个日益不确定的世界中航行时，认识到自己对风险厌恶的倾向可以帮助我们做出更符合自身目标和价值观的决策，从而最终实现更安全和繁荣的未来。