个人客户风险评估问卷.doc

个人客户风险评估问卷Customer Risk Profile Questionnaire 以下1 5个问题将决定您的投资风险偏好，我们将根据您的投资风险偏好为您更好的配置资产。(每个问题仅有一个答案) In choosing the appropriate investment portfolio，you should first consider Your risk tolerance，investment time frame and your financial circumstancesThe following 15 questions aim to help you understand your risk profile and investment needs客户姓名： Customer name_性别： 男 女 婚姻状况：Sex Male Female Marital status_l、您的家庭年收入为? A5万元以下 B5-20万元 C20-50万元 D50一1OO万元 E100万元以上1、How much is the estimated annual income of your family(Chinese Yuan)?口A50，000 or below 口B50,000 to 200，000 口C200，00 1 to 500，000 口D500，001 to 1，000，000 口EAbove 1，000，0002、您的投资目的是? A子女教育费,退休计划 B个人目标(如置业、购车) C让财富保值增值2、What is the purpose of your investment? AChildrenS educationRetirement Plan BPersonal goal (egPropertyCar acquisition) CWealth growth / accumulation3、您期望的投资理财回报是?(附注：高回报附带高风险) A跟银行存款利率大体相同 B比定期存款利率稍高 C远超过定期存款利率3、What is your expected return for the investment?(Remark：higher expected return carries higher risk) AIn line with time deposit rate BSlightly more than time deposit rate CSignificantly exceed time deposit rate4、您的年龄是? A18一 30 B3l一40 C41-50 D51-60 E高于61岁4、What is your age? A18一 30 B3l一40 C41-50 D51-60 EAbove 6l5、未来五年，您预计自己每月可拿出多少资金用于投资理财? A预计未来每月可投资金额会减少(比如：退休) B预计未来每月可投资金额跟现在大体相同 C预计未来每月可投资金额比现在高5、How do you expect your future monthly investable amount over the next five years?口AExpect the monthly investable amount will decrease(egretirement)口BExpect the monthly investable amount will stay somewhat the same口CExpect the monthly investable amount will be greater than now6、如果您要参与投资理财，您打算购买理财产品(含基金，下同)的资金占个人总资产的百分之几?口A25以下 口B25一50 口C5175 口D75以上6、If you consider lump sum investment，what percentage of your total assets will you invest?口ALess than 25 口B25to 50 口C51 % to 75 口DGreater than 757、您希望您的投资目标在多长时间内实现?口A1年以下 口B.1-2年 口C3-5年 口D5年以上7、How do you expect your time horizon for this investment product?口 A. Less than 1 year 口 B1 to 2 years 口 C3 to 5 years 口 DMore than 5 years8、以下哪项最能说明您的投资经验?口A经验有限：除存款、国债，我几乎没有其他投资经验。口B经验适度：我有一些投资经验，但希望得到专业人士的进一步帮助：口C经验丰富：我是活跃且有经验的投资者，希望白行进行投资决策?8、How would you describe your investment experience or knowedge9口AI have very little investment experience apart From bank savings and time deposits口BI have some knowledge in unit trustsstokes/bonds investmentLwe appreciate Further guidance口CI am an active and experienced investors and able to make myour own investment decisions9、以下哪项是适合您的投资风格?口A无风险：不希望本金承担风险口B保守：希望保守投资，回报高于定期存款口C稳健：希望以平新的投资方式，寻求资金的较高收益和成长性口D进取：希望赚取高回报，能接受为期较长期间的负面波动，包括本金损失9、How would you describe your attitude towards risk?口AI/we do not want to risk myour capital or even subject to short-term fluctuation口BIwe think capital preservation is important And expected return is more than time deposit rate口CIwe think capital preservation is important but I am/we are willing to assume some risks to enhance the potential returns口DI am/we are willing to accept significant risk for potentially higher returns1 0、当您购买的投资理财产品价值出现负收益时，您的反映是：口A，明显焦虑 口B:稍有焦虑 口C可以接受 口D无所谓1 0、How does the performance of the investment affect your daily life?口AAny losses incurred would seriously affect myour daily jibe since JWe depend 011 myour investment to meet myour current expenses口BIwe can maintain myour standard of living in the time of a small dip in investment口CAny investment losses may not concern meus as Iwe have already made provision for myour needs口DA matter of indifference1 1、您可承受的价值波动幅度?口A能够承受本金50以上亏损 口B能够承受本金20-50的亏损口C能够承受本金10以内的亏损 口D不能够承受本金损失11、Which of following volatility to return would be most tolerant to you?口AAbove 50losses of my capital 口B20to 50losses of my capital口CLess than 10 losses of my capital 口DNO risk to my capital12、您是否已充分了解拟购买原投资理财产品的类型、风险、期限、收益计算方式以及提前终止的约定?口A是 口B否1 2、Have you fully understood the type，risks，time horizons，return calculations and liquidity of the products you would like to purchase?口AYes 口BNo1 3、对于不保本型理财产品，银行不承诺保证本金安全；您可能在产品到期或银行行使提前终止权时收回本金和较高收益，也可能无法获得任何收益且无法收回全部本金。对于上述情况您是否已经清楚地了解并且能够接受?口A是 口B否13、For product the principal of which is not guaranteed，you may get back the whole principal and some returns or you may lose part of you r principal when the products terminate，Have you known clearly all those Circumstances Could you bear all the outcomes?口AYes 口BNo1 4、投资于代客境外理财产品，从您签署认购协议起至产品到期，您可能会面临人民币升值的汇率风险，您的投资本金会因此面临损失的可能。对于上述风险，您是否已经清楚地了解并且能够接受?口A是 口B否1 4、Investing QDII products，you may face exchange rate risk，which may cause you to lose principal，Have you known clearly all the risks mentioned above? Could you bear all the risks?口AYes 口BNo15、您在产品持有期内是否有赎回产品的需求?口A是 口B不确定 口C没有1 5、Do