This paper has put forward a credit quality management mode based on risk adjusted return of capital through a beforehand estimate and drawing of risk cost of every credit capital.

通过事前计提每笔信贷资产的风险成本，提出了基于风险调整后的资本收益率的信贷质量管理模式。

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This calls for investors to revisit their portfolio strategies to incorporate a wider range of asset classes and sectors to help provide the diversification and risk adjusted return potential that is needed to navigate these uncertain and volatile markets.

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There are few, if any, investments offering as high a risk-adjusted return as a public pension.

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After that, the method that results in the best risk-adjusted return going forward is more luck than science.

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