6.3 : 风险的类型

Risk in finance refers to the potential of losing money or facing unexpected outcomes in investment and economic activities.

Risks are broadly categorized into systematic risks and unsystematic risks.

Consider Peter, an investor in the stock market who invested in the stocks of Alpha Corporation, an electronics company, to grow his investment.

The corporation's stock price is not moving as Peter desires, which needs to be analyzed.

If the stock price of Alpha Corporation falls due to a recession or a global pandemic, this risk would be categorized as systematic risk.

Peter's entire investment might decline, no matter how well Alpha Corporation performs.

On the other hand, if only Alpha Corporation faces individual challenges like fraud in the corporation or a new product failure because of low sales, then such risk is categorized as unsystematic risk.

Peter can manage unsystematic risks by spreading his investments across different companies and sectors.

Managing risk is essential to minimize losses, ensuring financial stability, and achieving long-term investment goals.